Healthy Paws | Pet Insurance Review


out of 5

Number of reviews 7,379

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.6
  • 4.9
  • Count
  • 27
  • 320
  • 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: Shelley Wagner

Very Good Experience

Our young pembroke welsh corgi developed a chronic gastrointestinal issue. She has had to have many tests and her treatment has been expensive. Healthy Paws has been excellent with extremely fast reimbursement for our expenses. We have been very happy with their service and reliability. They are a bit pricey but generally, you get what you pay for. This is a legitimate pet insurer. For unexpected health issues, pet insurance is a must for those who don't, or cannot, have the money socked away just in case.

out of 5

POSTED: | BY: Norma Nelson

A Savior for My Injured Dog!

I want to express my deep appreciation for Healthy Paws, who came to my rescue when my dog was hit by a car. Healthy Paws was absolutely exceptional. Their compassionate customer service team provided invaluable support during a very distressing time. They processed my claim quickly, ensuring immediate medical care for my dog. Healthy Paws covered most of the medical bills through their "direct pay" service. This meant I was not paying all of it out of pocket and they paid the hospital directly. I highly recommend Healthy Paws to any pet owner. Their care, support, and financial assistance was outstanding and made all the difference in my dog's time of need. Thank you, Healthy Paws, for being a true savior for my beloved dog. Your dedication to pet well-being is remarkable, and we are forever grateful!

out of 5



I’m not sure how any so many others on here have had no issues with getting compensation for a claim. I have paid for six years on my pet since I got her. Her insurance has gone up from around $30 per month when I started to almost $127 per month now. I understand rate increases especially as they age. I just filed a claim on her and the amount of documentation they requested is ridiculous. Every time my vet sends what they requested, they come up with something else they need. I hope the other reviews are all true and people are being paid for their claims promptly. I will not purchase Healthy Paws again nor would I recommend it to ANYONE.

out of 5

POSTED: | BY: Celines

1st claim in 4 years

Updated: After posting my review, a supervisor in the team connected with me, reviewed my case and approved the appeal. Payment was deposited into my account. I’ve revised my rating to 3 stars because they rectified the situation yet it required so many follow ups and posting of a negative review to get heard -I believe training is needed for their claims review/appeals team so customers don’t feel ignored the way I was. I do want to say the supervisor looking into my claim was extremely helpful and effective in solving my issue so do appreciate it. Original post: I've been a policy holder with Healthy Paws since 2019 and this was my first time submitting a claim. My experience with the Claims Review and Appeals Review team has been sub par and am contemplating legal action. The Claims team denied my initial claim because it did not meet policy, which was not accurate. I submitted an appeal and after waiting for close to a month the reviewer came back with information pertaining to another case (they were informing there was no evidence of a prostate issue - my cats are both females). I let them know I was requesting reimbursement for a tooth resorption situation, which they then mentioned was not reflected in the medical documents. I emailed them again the specific part where it highlighted it and that I'd like to talk about a supervisor about the handling of my case. Today I received an email saying my case was closed without any explanations. It's so frustrating that after 4 years of paying my insurance I submit one claim and they pay no attention to it and reject without the appropriate reviews. A very poor experience am hoping no one has to go through.

out of 5

POSTED: | BY: Emmy H

5 Stars for Healthy Paws Pet Insurance!

I bought pet insurance last year when I rescued my dog. My cousin highly recommended Healthy Paws. I could not be happier with Healthy Paws! My dog was unexpectedly sick, requiring a lot of tests, and then I had to take her in for an emergency vet appointment when she ate chocolate from my purse. I didn't have to worry about the cost because of my pet insurance. The whole process is seamless - I upload my vet bills through the Healthy Paws app or website and they promptly issue the reimbursement.

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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