Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,217

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
1

out of 5

POSTED: | BY: Jenn Rinker

Horrible experience on final claim…

Horrible experience on final claim after losing our dog to cancer. I have had this insurance for 10 years. Never had a claim until March 2025 when we found out our dog had cancer. I submitted 2 bigger claims, but under $500. Another for medications and a final for euthanasia which $150. Never in the previous larger 4 claims did they ever ask for a full 10 year medical record of our dog until the final claim. Seems if a full medical record was necessary it should have been required on first claim, not after losing our dog and on the final claim. This company is unethical and I cannot help but wonder if this about getting yet another payment while they jerk us around. In response to Healthy Pets reply: No problem on requesting these records, but it should have been on the first submission - not after we lost our pet. Your company should find some compassion.
5

out of 5

POSTED: | BY: TOM SMITH

Worry less, wag more!

You never want to have to use this insurance, but it REALLY is one of the best plans when your pet needs care! There's no concern about the cost of vet care, you can focus on making the best medical decision for your little love bug! Our little big man Barney needed eye surgery to repair "cherry eye" and HealthyPaws was exceptionally prompt with reimbursement and expressed much care and concern for the well-being and recovery of our sweet boy! It just doesn't get any better than this!
5

out of 5

POSTED: | BY: Russ Myers

Great Insurance

We have had a good experience with Healthy Paws. While the rates have continued to increase, I am not sure that isn't the case with all pet insurance. They have paid all claims very timely, usually within 2-3 days of submission. There have been no issues with getting claims submitted or getting them paid.
1

out of 5

POSTED: | BY: Paula Parker

I have paid for YEARS with ridiculous…

I have paid for YEARS with ridiculous increasing premiums each year. When it's time to reimburse us $400 they keep saying they aren't getting all the info from our vet. Dog was in 2 days in a row and they say they only have info for 1 of the days. The vet sent it all at once, multiple times. I told them never mind and that I was planning on cancelling the policy. Next thing I know they cancelled it themselves. NEVER AGAIN with this company.

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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