Healthy Paws
4.9

out of 5

Healthy Paws Pet Insurance for Dog & Cat

Healthy Paws is a good option for pet parents who are looking for comprehensive pet insurance with no waiting periods and no maximum payouts. The company is underwritten by Utica Mutual Insurance Company and plans start at just $19 per month.
Start a quote Pet parents reviews

Healthy Paws Pet Insurance Details

    • More: Healthy Paws Pet Insurance Reviews

      Why Our Users Picked It:

      Many users have said how much they appreciate the simplicity and user-friendly nature of the Healthy Paws app and website for submitting claims. Users also praise the quick turnaround time for claim review and reimbursement, with some receiving payments within 48 hours.

      Pros & Cons:

      • Easy claim submission process
      • Quick reimbursement times (in as less as 48 hours in some instances)
      • Great communication
      • No annual converge limit on claim payouts
      • Compassionate customer service reps
      • No wellness or routine care coverage
      • No enrollment allowed for pets over the age of 6
      • No coverage for vet exam fees for accidents or illnesses

      Plan Limits

      • Per Condition Limit Unlimited
      • Lifetime Limit Unlimited
      • Deductible Type Annual
      • Direct Pay

      What is Covered?

      • Accident and Injury Unlimited
      • Hospitalization Unlimited
      • Rehabilitation Unlimited
      • Continual Care Unlimited
      • Emergency Visits Unlimited
      • Surgery Unlimited
      • Dental Trauma Unlimited
      • Foreign Object Ingestion Unlimited
      • Congenital or Hereditary Conditions Unlimited
      • Cancer Treatments Unlimited
      • Dietary Supplements Unlimited
      • End of Life: Burial and Cremation
      • Illness Unlimited
      • Specialists Unlimited
      • Prosthetics Unlimited
      • End of Life: Euthanasia Unlimited
      • Prescription Drugs Unlimited
      • Outpatient Care Unlimited
      • Bilateral Conditions Unlimited
      • Travel Coverage Unlimited - Travel is included while traveling in the US or Canada
      • Vet Exam Fees
      • Medical Imaging Unlimited
      • Organ Transplants
      • Wellness Cover
      • Lab Tests Unlimited
      • Behavioral Treatments

      Plan Summary

      Healthy Paws has one simple plan that covers accidents and illnesses with no maximum limits on payouts; no per incident payout caps, no annual payout caps and no lifetime payout caps. Their goal is to offer the best coverage possible while still keeping plans affordable. Healthy paws was rated the best pet insurance company by customers in 2015, 2016, 2017 and 2018 at Petinsurancereview.com, Consumersadvocate.org, Petinsurancequotes.com and other leading review sites. The simple act of getting a free pet insurance quote from Healthy Paws results in a cash donation towards a homeless pet’s medical care. They deliver that care by making cash grants to pet adoption organizations specifically for life-saving vaccines, spay/neuter surgeries, and advanced medical treatments. If you are unable to pay your vet at the time of treatment you can contact Healthy Paws and ask them to pay your vet directly. If your vet or vet hospital is willing to accept payment from Healthy Paws they will work with your vet to speed up Healthy Paws getting access to your pet’s medical records and the processing of your claim. This direct payment option is available for any licensed vet across the United States; it is not limited to any particular network of vets.

    Most popular dog breeds insured by Healthy Paws Pet Insurance

    Here are the top 10 dog breeds covered by Healthy Paws insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Other Mixed Breed $45.62
    French Bulldog $76.24
    Yorkshire Terrier $45.31
    Siberian Husky $52.89
    Shih Tzu $31.63
    Golden Retriever $66.82
    Yorkie Poo $48.81
    Teacup Yorkie $45.88
    Shih-Poo $49.88
    Schnoodle $51.92
    Data source date 60 days, cost based on user selected average

    Most popular cat breeds insured by Healthy Paws Pet Insurance

    Here are the top 10 cat breeds covered by Healthy Paws insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    American Shorthair Mix $20.63
    Other Mixed Breed $22.19
    Domestic Shorthair Mix $29.59
    Domestic Medium Hair Mix $24.35
    Unspecified Mix $18.65
    Siamese $28.47
    Domestic Longhair Mix $26.15
    European Shorthair Mix $26.26
    Domestic Short Hair $24.03
    Chantilly/Tiffany $27.41
    Data source date 60 days, cost based on user selected average
    Get a Quote & Compare

    Compare With Other Top Pet Insurance Providers

    • Embrace Pet Insurance
      Users appreciate the efficiency of claims processing and prompt reimbursement. They also love the great customer service Embrace offers.
    • Fetch Pet Insurance
      Users appreciate that Fetch offers up to 90% reimbursement rates. Some have also expressed the ease of submitting claims, with some saying they submitted claims in the vet’s office from their phone within minutes.
    • Lemonade Pet Insurance
      Quite a few users have mentioned that Lemonade offers some of the most affordable policies in the market. Many also appreciate that coverage is extensive and covers a wide range of medical conditions and procedures.
    • Trupanion Pet Insurance
      Many of our users stated they found Trupanion’s customer service to be exceptional. Responses are prompt and helpful. In addition, many find the claims process to be simple, efficient and user-friendly.
    • MetLife Pet Insurance
      Our users raved about MetLife’s exceptional customer service and the fact the company offers comprehensive coverage that supports both preventative and emergency care. And users also appreciate MetLife’s competitive pricing.
    • Nationwide Pet Insurance
      Users appreciate the effortless claim process and timely refunds in as little as 24-48 hours. Comprehensive coverage with up to 90% of bills covered has also been highlighted by many.
    • Prudent Pet Pet Insurance
      Our users have raved about how easy it is to submit claims through Prudent Pet. Some have also left great reviews highlighting Prudent Pet’s direct deposit of reimbursement payments. Great customer service seems to be another main theme with this provider.
    • ASPCA Pet Insurance
      Users appreciate that ASPCA offers comprehensive coverage that includes emergency services as well as preventative care. Many have also highlighted ASPCA’s helpful and responsive customer service representatives.
    • Hartville Pet Insurance
      Our users appreciate that Hartville offers flexible coverage options as far as policy limits, deductibles and reimbursement rates. This puts them in the driver’s seat and allows them to choose a policy they can comfortably afford.
    • ManyPets Pet Insurance
      Users love the great customer service offered by Many Pets and the fact that they offer competitive pricing. Many Pets will also reduce the accident and illness waiting period to 24 hours if you are switching from another insurance provider.
    • PetPartners Pet Insurance
      Users have raved about the awesome customer service this provider offers. Some have also highlighted quick turnaround time for payments once a claim has been submitted.
    • Spot Pet Insurance
      Many users have praised Spot for their quick and hassle-free claim process. They also mention how quickly they are reimbursed in most cases and that customer service is both kind and helpful.
    • Pets Best Pet Insurance
      Users rave about how easy it is to submit a claim and receive updates on it. Many have also said how much they appreciate how fast reimbursements are. The company has also been highly praised for its transparent coverage policies and clear communication.
    • Pet Assure Pet Insurance
      Learn more about Pet Assure’s discount plan and read customer reviews so you can make an informed choice about how you cover veterinarian care costs.
    • AKC Pet Insurance
      Some reviewers have praised AKC for offering an easy claims submission process. Others have said how much they appreciate the great customer service and that payments are generally made within days of making a claim.
    • Pumpkin Pet Insurance
      Reviewers highlighted how wonderful customer service is. Not just responsive and knowledgeable but also really compassionate during times of stress and worry. One person even mentioned how the company sent flowers after her pet had to be euthanized.
    • Figo Pet Insurance
      Reviewers appreciate that Figo offers Wellness coverage for preventative care. Many also mentioned the claims process was hassle-free.

    Select up to 3 providers to compare

    Healthy Paws Pet Insurance FAQ?

    • Does Healthy Paws have maximum payout limits?

      No. With Healthy Paws pet insurance you will never have to worry about any per-incident, annual or lifetime caps.

    • Does Healthy Paws cover hip dysplasia?

      They do as long as your pet is under 6 years of age at the time of enrollment and there are no clinical signs or symptoms within the first 12 months from the pet policy effective date.

    • Does Healthy Paws offer wellness or preventative care?

      At the time of this writing, Healthy Paws only offers Accident & Illness coverage.

    • How does Healthy Paws reimburse us?

      Healthy Paws pet insurance offers two options for payments: you can receive a check by mail or have your payment deposited directly into your bank account.

    • How long does it take to be reimbursed?

      If you’ve chosen direct deposit, your payment will most likely be issued within 24 hours after your claim has been approved. Checks can take up to 10 days to reach you.

    Get a quote today

    Leave a review