Healthy Paws | Pet Insurance Review

I’m writing this review so no one else has the same experience I did with Healthy Paws Pet Insurance. I insured my cat in December 2020 and faithfully maintained coverage for over five years without ever filing a claim. In January 2026, my cat suddenly became very ill. I submitted two claims—one from my regular veterinarian and one from the emergency hospital, where we ultimately tried everything to save his life. Sadly, my cat had to be put down. While Healthy Paws did pay the emergency hospital bill, they denied the much smaller vet bill, claiming it fell under a “waiting period.” Their stated waiting period is six months, which had long passed since I had continuous coverage since 2020. Their reasoning was that they had no prior vet records on file, so they treated this as if the waiting period still applied. This makes no sense and feels incredibly misleading. A waiting period should be based on when coverage begins—not whether or not you’ve previously submitted a claim or provided records years later. For comparison, I also have four dogs insured through Trupanion, and their waiting periods are clearly defined and based strictly on policy start dates—not claim history. After paying premiums for years, to have a valid claim denied under these circumstances is extremely frustrating and, in my opinion, unacceptable. I would strongly caution anyone considering pet insurance to look carefully at other, more transparent and reputable companies before choosing Healthy Paws. ⸻ I

Healthy Paws client reps are always very helpful and the claims process is very easy. Turnaround time for refunds is pretty quick too. We love that our pup Tanner is covered by Healthy Paws!

"We signed our English Springer Spaniel up with Healthy Paws 10 years ago when she was just a puppy, and it is easily the best financial decision we’ve ever made for our family. Over the last decade, Healthy Paws has been a rock-solid partner through every stage of her life. Recently, our ESS had to undergo surgery for bilateral elbow fractures, which totaled over $8,000. Within just a few days of filing the claim, Healthy Paws had processed it and covered their 60% portion without any hassle. Beyond this major surgery, they have consistently been there for: Chronic Care: They cover his daily allergy medications and frequent treatments for chronic ear infections. Cancer Recovery: Last year, they covered the removal of two cancerous cysts, allowing us to focus on his recovery instead of the cost. Modern Perks: We also love the added value of the 24/7 virtual vet care via Airvet, which is a huge help for quick questions at any hour. Most people don’t realize that other companies have annual caps of $5,000 or $10,000. With an aging dog who has faced multiple health hurdles, having no annual or lifetime caps has been the difference between providing him with the best care possible and facing heartbreaking financial decisions. If you are looking for a company that actually stands by you for the long haul, this is it."

I now have my third dog insured with healthy paws - that speaks for itself. They are easy to work with, super fast working on claims and wiring / checks. I recently experienced some communication issues as if the left doesn’t know what the right is doing as well as receiving their email notifications. I hope they fix that. The other downside is their age restriction; if a dog is 8+ years old, they don’t offer the same coverage as for younger dogs. That’s a big minus. Otherwise it would be a 5* rating.

My dog was diagnoised with Splenic stromal sarcoma in Nov 2025. Her spleen, the mass, a a portion of her liver was removed. It was malignant. She been under going Chemo every 2 weeks. The financial expense was staggering. I am so grateful to have Healthy Paws Pet insurance. Not only have they paid 80% of the medical bills but, it is done in such a easy process. I filled a claim on a Friday and by Monday the funds were in my checking account. The best customer service during this trying time. They also follow up to chek on my dog. I highly recommend Healthy Paws Pet Insurance to everyone who has a pet. Affordable, low deductible and outstanding customer service from a company who cares about you and your pet!