Healthy Paws | Pet Insurance Review


out of 5

Number of reviews 9,240

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.8
  • 4.7
  • 4.9
  • Count
  • 51
  • 278
  • 9,240
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

VETERINARIAN: Acoaxet Veterinary Clinic, Westport, MAss

POSTED: | BY: Jane Nugent

Great Service

Healthy Paws has been responsive, timely, easy to work with, and affordable -- would recommend them highly

out of 5

POSTED: | BY: Karen Genauer

The ease of submitting a claim

The ease of submitting a claim, the company's response time and the personal/professional followup after the claim has been processed and completed

out of 5

POSTED: | BY: Karen Genauer

Healthy Paws Company Rating

Every time I have submitted a claim into the company, and mind you this year was not a great year for my pup, they have paid in a super timely manner as long as they have the required information. I highly recommend Healthy Paws if you are going to take out insurance on your pet. Separately, they send follow up email to see hw your pet is doing. super nice, professional and very easy to work with! Thank you!!

out of 5

POSTED: | BY: Polly Letofsky

Don't even think about using Healthy Paws

I only gave one star because there is no zero. (Updated to a two) DO NOT WASTE YOUR MONEY ON PET HEALTH INSURANCE. They prove themselves to be a scam of epic proportions. I religiously paid my monthly fee to Healthy Paws Insurance for 9 years for my precious Wally, so in the event of an emergency I would be covered and not have to ask myself, "Can I afford this service for my beloved." Healthy Paws never ever ever covered any health services over the years. NOTHING. I had two emergencies over his nine years and they always had an excuse. Last month Wally was diagnosed with cancer. I wouldn't put him through chemo but there were emergency services just to figure out what was wrong with him. $4K later I had to say goodbye to my boy. Healthy Paws reimbursed me $375. That is $375 TOTAL over 9 YEARS and two emergencies. So F YOU Healthy Paws. A big GARGANTUOUS F YOU. You don't care at all about your customers or their beloved fuzzy four-leggeds. You covered NOTHING over the course of nine years of paying every single month. A slap in the face to every pet owner. You are a scam. FAKES. If you were even considering pet insurance, please just start your own pet savings account -- that is to say, put away some money every month in a separate account that you can access if/when your honey needs help. Pet insurance will cover next to nothing. Healthy Paws isn't the only bad egg. They're all like this. @healthypaws F-you again. To my beautiful Wally, may you rest in peace. REPLY: Thank you for the reply. I talked to your claims team becuase it looks as though the entire emergency services invoice ($1700) was overlooked, therefore not included in my refund. It has been put back into claims so I might get more returned.

out of 5

POSTED: | BY: Serge Caleca

Just Easy

Having this insurance has put our mind at ease when we do have a problem with our pets. And what I really like that Healthy Paws always send a thoughtful follow up to see how our pet is doing. Well worth the cost.

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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