Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,221

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 No maximum annual or lifetime payouts One easy-to-understand pet insurance policy Most claims are processed within 2 days Use any licensed veterinarian in the U.S. or Canada
5

out of 5

VETERINARIAN: Woodhaven Veterinary Clinic

POSTED: | BY: Megan Blomquist

Healthy Paws Couldn’t Be Better

I’ve been a happy Healthy Paws client for more than a decade. They’ve covered multiple dogs with multiple issues, including major surgeries, all without any issues. Their claims process is amazing - I can submit a claim before I even get home from the vet and receive my reimbursement in just a few days. Their team is friendly and professional and they genuinely care about their clients and their pets. Cannot recommend them highly enough!
1

out of 5

POSTED: | BY: Sinan Y

Greedy and Exploitative – Avoid at All Costs!

Healthy Paws used to be a great company, but greed has completely taken over. I’ve insured my two dogs with them for nearly a decade, since they were puppies. At first, the price increases were small—$35 per pet per month, then $45, then $65, then $90. Every year, the cost crept up, but I stayed loyal, thinking it was just inflation. Then, after they were acquired by a larger company, they went full-on exploitative. My monthly premium was already an outrageous $243 for both dogs. But now? They expect me to pay $530 per month—more than double! No changes to coverage, no justification beyond their corporate greed. It’s clear they’re preying on loyal customers with older pets, knowing we have fewer options because of pre-existing conditions. It’s disgusting and unethical. They’re banking on pet owners feeling trapped. Well, I refuse to reward this behavior. I’ll find another insurer—even if it costs more—just to ensure my money doesn’t go to a company that puts profits over pets. Do yourself a favor: stay far away from Healthy Paws. They don’t care about your pet—only your wallet.
5

out of 5

POSTED: | BY: Annie Henton

LIFE CHANGER!

Wow… writing this review is a total no-brainer! We have a tendency to adopt the most wonderful but medically “high-maintenance” pups, and honestly, we shudder to think what life would’ve been like without Healthy Paws these past nine years. Heartbreak? Definitely. Tears? Countless. Bankruptcy? Highly likely. But let’s not dwell on that horror story—because here’s the good part: Healthy Paws is, hands down, the most exceptional company we’ve ever had the pleasure of working with. We truly can’t imagine navigating life with our dogs without them in our corner. There’s a kind of surreal magic in being handed a vet estimate that rivals the cost of a (decent) used car… and not even flinching. We get to say, “Do whatever it takes to help our babies,” without financial panic setting in. That peace of mind? Priceless. From covering the costs of removing Stringer’s recurring mast cell tumors (we're talking 2–3 times a year for seven years) to helping us get Ella through major knee surgeries at just two years old—surgeries that gave her a pain-free, active life and prevented future hip dysplasia—Healthy Paws has shown up for us every single time... and FAST! The app is SO easy to upload invoices and they direct deposit the reimbursement in less than 3-5 business days! Their support has made an enormous difference in our lives, and we are endlessly grateful. We tell literally every pet parent we know: Get Healthy Paws. Your future self and your fur babies will thank you!
5

out of 5

VETERINARIAN: San Diego Bay Animal Hospital

POSTED: | BY: Annie Henton

Best decision that we have EVER made!

Wow… writing this review is a total no-brainer! We have a tendency to adopt the most wonderful but medically “high-maintenance” pups, and honestly, we shudder to think what life would’ve been like without Healthy Paws these past nine years. Heartbreak? Definitely. Tears? Countless. Bankruptcy? Highly likely. But let’s not dwell on that horror story—because here’s the good part: Healthy Paws is, hands down, the most exceptional company we’ve ever had the pleasure of working with. We truly can’t imagine navigating life with our dogs without them in our corner. There’s a kind of surreal magic in being handed a vet estimate that rivals the cost of a (decent) used car… and not even flinching. We get to say, “Do whatever it takes to help our babies,” without financial panic setting in. That peace of mind? Priceless. From covering the costs of removing Stringer’s recurring mast cell tumors (we're talking 2–3 times a year for seven years) to helping us get Ella through major knee surgeries at just two years old—surgeries that gave her a pain-free, active life and prevented future hip dysplasia—Healthy Paws has shown up for us every single time. Their support has made an enormous difference in our lives, and we are endlessly grateful. We tell literally every pet parent we know: Get Healthy Paws. Your future self and your fur babies will thank you.
5

out of 5

POSTED: | BY: John Sinkus

Healthy Paws is the BEST!

Healthy Paws paid all claims immediately and helped ease the burden of our vet costs for the past 10 years.

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.

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