Healthy Paws | Pet Insurance Review


out of 5

Number of reviews 7,379

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.8
  • 4.6
  • 4.9
  • Count
  • 32
  • 322
  • 7,379

Updated: November 13, 2023

Healthy Paws Pet Insurance offers one simple plan that covers accidents and illnesses and includes unlimited annual and lifetime payouts. They support hundreds of pet rescues and animal shelters through their Every Quote Gives Hope™ medical grant program. Learn more about Healthy Paws’ plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.

out of 5

POSTED: | BY: Jessica MacKinnon

Fine until your dog needs service

Great plan when you have a young healthy pet that doesn’t need meds, etc but when you start submitting claims, they will double and even triple your premiums. Beware.

POSTED: | BY: The Healthy Paws Team

Jessica - We appreciate your being part of the Healthy Paws family and are glad we have been able to provide coverage for all of your claims during that time. We realize no one likes any form of premium increase. As our customer care team member covered in your call, premiums are calculated on a state-by-state basis in accordance with filings that have been approved by state insurance regulators. Your premium amount increase is influenced by two primary factors, the increased age of your pet, and the cost of veterinary care services reflected in the claims paid in your specific state. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of veterinary care, including specialty and emergency care. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website. The Healthy Paws Team


out of 5


Excellent Experience

It's my belief that the people who tend to write reviews are the ones who are upset, who have an axe to grind (how often do you write a review because you're so darn satisfied!!). So I want to share my experience with Healthy Paws pet insurance. I've had Healthy Paws for my golden retriever since 2019. We purchased the policy when she was 1 year old, so prior to any pre-existing conditions. She had an unexpected dental issue with what was basically the dog version of ingrown "wisdom" teeth in 2020. While the policy does normally cover most dental issues, we were pleasantly surprised when we submitted a claim for her issue for ~$3500 and it was reimbursed, with an explanation why - in this case - although it was dental it was covered under the policy (we did not expect that). Fast forward to 2023. We live in the SF Bay area, so an expensive place to live - including vet care. Accordingly our policy goes up a decent amount every year (we are at ~110/month right now). In October, our dog develop dilated cardiomyopathy. We're probably $5000-6000 in vet bills in the last 60 days and Healthy Paws has reimbursed us for every bill we've submitted. Not only that, the submission process is incredibly easy and they typically direct deposit the funds into my bank account within 48 hours. I sincerely wish we were the customers who paid for nothing more than peace of mind, because our dog never got sick. Unfortunately, we're the customers who get to be thankful we purchased and maintained pet insurance for our pup who ended up with a chronic and expensive health condition. Our experience with Healthy Paws has been nothing short of wonderful and has made this very difficult time a little easier.

out of 5


Makes critical decisions about your pet easier.

We have been members of Healthy Paws for years now. Unfortunately Sophie has needed surgeries we did not anticipate when we bought her. We are both senior citizens and would have done whatever was necessary to get her the best care. Good medical care for your fur family member is expensive. Healthy Paws has always come thru for us and enabled us to provide Sophie with the care she needed and making the financial decisions easier. Within a week we received the direct deposit from them. We highly recommend everyone insure their pet(s) with this wonderful company with exceptional customer service.

out of 5

POSTED: | BY: Irina Vlad

Amazing company

About 13 years ago I had a horrible experience with a different pet insurance company. I was hesitant to get another dog and try another insurance company. Healthy paws has been amazing. Remit payment fast, reach out to ask how my dog is doing, excellent coverage plans. I’ve been able to get both dogs top tier care with this company, every step of the way. I am so grateful for them and recommend them to everyone! Additionally, in the last 6.5 years, their price increases have not been insane and for that I’m very grateful.

out of 5

POSTED: | BY: Steven Rosen

Excellent Pet Service

Outstanding and easy claims service! We have unfortunately had to use our pet insurance for 2 different dogs this calendar year and Healthy Paws processes and pays the claims very quickly without any hassle or unnecessary questions. Could not be happier with this company and their service.

Monthly Cost

$15 – $90, depending on breed, zip code, age of pet and choice of deductible and co-pay.


One plan covers accidents, illnesses, cancer, emergency care, genetic conditions, alternative care and more. You can choose a co-pay of 10%, 20%, 30% or 40%. The pay-out amount is based on your actual vet bill.

Payout Limits

No per incident, annual or lifetime pay-out limit.


You can choose an annual deductible of $100, $250, $500 or $750* *Choice depends on age of the pet

Age Limits

Pets must be at least 8 weeks old and under 14 years old at time of enrollment. Once enrolled, pets can stay insured regardless of age.

Waiting Period

Coverage begins 15 days after your policy starts. There is a 12-month waiting period for hip dysplasia claims.


Pre-existing conditions are not covered. Hereditary and congenital conditions are covered, however hip dysplasia is only covered in pets who enroll before they are 6 years old.
Healthy Paws Pet Insurance was rated the best pet insurance company by customers in 2015, 2016 and 2017 at,, and other leading review sites. Healthy Paws has one simple plan that covers accidents and illnesses with no per incident, annual or lifetime payout limits. Their goal is to offer the best coverage possible while still keeping plans affordable. With each pet insurance quote submitted, Healthy Paws makes a donation to one of hundreds of pet rescues and animal shelters through its Every Quote Gives Hope™ medical grant program.

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