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.
Top-Rated Pet Insurance Plan
No maximum annual or lifetime payouts
One easy-to-understand pet insurance policy
Most claims are processed within 2 days
Use any licensed veterinarian in the U.S. or Canada
I've had Health Pet insurance for my two cats for 9 years with gradual increases in premium. Now on 12/28/25 they increase the monthly from $189 to $471 without my acceptance or approval! And when I see the charge and try to cancel they are "closed" for the holiday! I send and email but when I do talk to an agent am told they sent a notice in October. I go back through all emails. No notice. And shouldn't they require an approval of a jump like that?? Now they don't want to refund it all but prorate from the day of contact snd charge a $14 processing fee!
They can send a text to wish your cat Happy birthday but not to tell you you premium is going up almost $300!!
Been very impressed with Health Paws. Have had it for maybe 10 years now and they always promptly pay every claim with no hassle. I wish my human health insurance carrier was as easy to deal with!
This was my second claim for my Shih tsu. Same diagnosis of HGE. Took her to an emergency VEG facility. Were she was given excellent care. I submitted my claim to Healthy Paws. My claim was accepted with no issues. I was reimbursed with no hassle accordingly to my insurance coverage. I highly recommend this pet insurance company.
Rates have doubled in the time my pet has been covered. They don’t cover allergy meds which has been our biggest expense over the years. Will not be using them for future pets
Healthy Paws has turned unrecognizable; what was once a good company, sucks, today. Half of my calls to Healthy Paws are disconnected by their incompetent, off-shore, Customer Service (a misnomer) personnel. Healthy Paws has outsourced their once USA/domestic Customer Service, to a Third-World country, abominable, call center for Customer Support. These, off-shore personnel are as incompetent as is their command of the English language. Multiple claims that we have sent to Healthy Paws, via email, have been lost; in addition, we no longer receive the automatic reply that we used to receive, when we filed a claim. Healthy Paws has turned unrecognizable, and unacceptable. We have been clients of Healthy Paws for over 20 years, with multiple dogs, and we are stuck with Healthy Paws, as our dogs are sufficiently old to have preexisting conditions, which no new insurance company will assume. My best advice to a pet owner, considering Healthy Paws, DON’T, LOOK ELSEWHERE. Healthy Paws sucks.
$15 – $80, depending on breed, zip code, age of pet and choice of deductible and co-pay.
Coverage
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.
Deductible
You can choose an annual deductible of $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.
Exclusions
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 petinsurancereview.com, Consumersadvocate.org, PetInsuranceQuotes.com 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.
