Healthy Paws

out of 5

Healthy Paws Pet Insurance for Dog & Cat

Updated: December 05, 2023

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.

Healthy Paws Pet Insurance Details

    • 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,, 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 $44.01
    Golden Retriever $51.29
    French Bulldog $69.85
    Malti-Poo $56.00
    Goldendoodle $60.48
    English Bulldog $96.35
    Border Terrier $51.42
    Yorkshire Terrier $39.17
    Pomeranian $56.64
    Husky $74.23
    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
    Domestic Shorthair Mix $23.02
    American Shorthair Mix $30.99
    Domestic Short Hair $25.10
    Other Mixed Breed $27.98
    Domestic Longhair Mix $30.48
    American Domestic $44.04
    Unspecified Mix $19.47
    Ragdoll $26.49
    Siamese Mix $18.82
    Domestic Medium Hair Mix $19.64
    Data source date 60 days, cost based on user selected average
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    Compare With Other Top Pet Insurance Providers 2024

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    • 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.

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    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.

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