5
out of 5
POSTED: | BY: Kristen Melancon
Healthy paws is a life saver.
Healthy paws is a life saver.. thanks for everything
Read more on Trustpilot
4.9
out of 5
Number of reviews 11,174
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
Official Pet Insurance of PetSmart
24/7 virtual vet care: Through Airvet — the nation’s leading veterinary telehealth app
Fast claims: Most claims are processed within 2 days
Coverage options with no payout limits & 90% reimbursement
2
out of 5
POSTED: | BY: Claire
Price Gouging!
When I started with Healthy Paw ten years ago, the were owned by a different company. Each year my increases were reasonable. When they were acquired by Chubb, I started seeing jumps of 50% or more annually. This year they sent me a notice that my rates were increasing by 150% from $105/month to $257/month. I am gobsmacked by this increase.
They sent a long letter trying to justify why they had to up my rate and it was all corporate BS. The problem with changing insurance companies is that no new company will cover pre-existing conditions. So, they kind have you by the balls if you have a pet with a chronic condition. Chubb has no conscience when it comes to exploiting this aspect of pet insurance, knowing that you will probably suck it up and pay the exorbitant increase because of a pre-existing or chronic condition.
Not this year. The 150% increase in premium rates is cost prohibitive for me. I did some research and found that there are plenty of insurers out there with the same coverage for far less. The average I found was about $125/month. Don't get stuck with Healthy Paws. They lure you in with a competitive rate and then increase the premiums every year at an excessive percentage. Shop around before getting stuck with them.
5
out of 5
POSTED: | BY: George Hicks
Healthy Paws has always been there for us.
It’s terrible having a beloved pet in distress. We knew, however, that Healthy Paws had us covered which made a rough situation far more tolerable.
5
out of 5
POSTED: | BY: Wendy H
Healthy Paws Experience
I've had an excellent experience with Healthy Paws. My 11-year-old Pomeranian has developed a slew of health issues as she's gotten older, and I've never had to worry since everything has been 100% covered with a 70% reimbursement.
2
out of 5
POSTED: | BY: Jneil Nelson
Avoid Healthy Pet insurance through Chubb
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!!
Monthly Cost
$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.