Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,008

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. Learn more about Healthy Paws’ plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

VETERINARIAN: Care-Pets Animal Hospital & Wellness Center

POSTED: | BY: Terri Boutin

Healthy Paws

My Millie and I could not have survived the past year without her Healthy Paws Pet Insurance. She's faced some pretty life-threatening issues more than once resulting in the need for repeated emergency hospitalizations, tests, procedures, medications, and on-going therapies and medications. Knowing that she was covered by the Healthy Paws plan allowed us to make sure that Millie received and continues to receive the health care that she needs to survive and thrive. I always recommend that my friends and relatives purchase a pet health insurance policy, and I happily share our Healthy Pets stories.
5

out of 5

POSTED: | BY: Rose C.

Easy and quick to file claims

My dog had a dental tumor that required surgery to remove and biopsy. Submitting the claim was super easy through Healthy Paws, and I received reimbursement for eligible coverage via direct deposit within days. I really appreciated how easy and smooth the process was.
1

out of 5

POSTED: | BY: Stacy Hartman

Greedy company increases premiums by 80%

I was with HealthyPaws for 12 years. I canceled my policy when they jacked up my premium from $50 a month to $90 a month and refused to work with me on price. STEER CLEAR. They were a decent company 12 years ago but they are greedy and not at all customer-oriented now.
5

out of 5

POSTED: | BY: Kathi

A Pet Parent's Best Friend

I have never felt compelled to write a review for a service until now. And it's insurance of all things. :) We have been customers of Healthy Paws for about 7 years and they have been absolutely critical keeping our boy Duke alive and happy. Duke has had a series of unpredictable but life-threatening systemic issues, some acute and some needing ongoing treatment/medication. I have been absolutely surprised and elated at how easy and fast I was able to submit claims and get reimbursed. It's also very hard to find pet insurance with no annual max, but thankfully I selected a policy with the right company. In 2024, Duke's medical bills are pretty close to $30,000. Our decisions in very emotional and tense moments have been focused 100% on what is best for him. I don't have to worry about paying for his care and I am confident in how much reimbursement we will get. Duke is the poster child for why pet insurance is an absolute must and I highly recommend Healthy Paws.
5

out of 5

POSTED: | BY: Jessica Sexton

I have never used pet insurance before

I have never used pet insurance before, and when we adopted a purebred Sphynx, I thought it was in our best interest. I did my research and found Healthy Paws. The price was competitive, and the coverage I was quoted for felt sufficient. Fast forward to our cat's 1 year well visit, we were informed his cardio pet value was the highest they'd ever seen and referred us to a cardiologist. Sadly, our baby was diagnosed with juvenile heart disease, and we were given the news that he would be on lifelong medication and still have a short life. The news was devastating, and I was worried about how the insurance would treat us. They were amazing. The claims were easily submitted, and we were reimbursed within 2 days directly to our bank account. He recently went into heart failure after a routine procedure and was in the hospital. Healthy Pets covered all of his costs that were covered and even sent a check-in email to see how he was progressing. They make a bad situation feel safe and secure. Now I can focus on him and less about how I will afford to care for him. Highly recommend!

Monthly Cost

$15 – $90, 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 $100, $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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