Healthy Paws Pet Insurance Review

Rating: 9.8 / 10 (Excellent)
716 Customer Reviews - see all reviews
Disclosure: We receive advertising revenue from this partner. Learn more.
How is Healthy Paws rated?
Benefit Limits
Reimbursement Models
Claims and Service

Why They're Our #1 Choice: #1 for the LA Times, Seattle Times & in Online Reviews

Healthy Paws is our top choice because they offer the best coverage when your pet is sick or injured, this includes chronic conditions. We read in-depth articles from the LA Times comparing Pet Insurance providers,  and also considered online reviews from the top review websites in the pet insurance industry. Healthy Paws includes special lifetime discounts with your free quote!

With an industry-leading unlimited lifetime benefits and annual deductible (rather than a per condition deductible), you get the highest reimbursement. Prices are affordable, considering premiums, customer service, and quality of coverage.

What's Included with Healthy Paws:

  • - Unlimited lifetime benefits + annual deductible
  • - Free mobile app & no claims forms
  • - Customize your reimbursement and deductible levels to fit your budget
  • - Covers all accidents and illnesses without restrictions for hereditary or congenital conditions
  • - Covered services include advanced testing, surgeries, hospital stays, and prescription medications. Alternative and emergency care too.
  • - No restrictions or caps on claim amount
  • - Best in class customer service as rated by PetParents

Plan Details

 Type of contract


 Enrollment age

 8 weeks up to 14 years

 Effective date

 Refer to Declaration Page

 Waiting period

 15 days after Effective Date

 Out of state coverage

 YES. Your pet can see any licensed vet. 

 Out of country coverage


 Claims and policy price

 NO increase in premiums due to claims made

 Age limit

 Lifetime coverage when you enroll your pet between the ages of 8 weeks to 13 years old.

 Annual deductible

 $100, $250, $500

 Claim limit


What does it cover?

Pets covered – Cats and Dogs

Baseline coverage -  If your pet is sick or injured, and it’s not a pre-existing condition, you're covered! 

a. Illness

  • lab tests
  • diagnostic tests
  • treatments
  • surgery
  • hospitalization
  • medications

b. Accident and Injury

  • lab tests
  • diagnostic tests
  • treatments
  • surgery
  • hospitalization
  • medications

c. Pre-existing conditions - NOT covered

d. Congenital conditions - Covered for life as long as said condition was not present prior to the effective date of the policy (pre-existing).

e. Chronic conditions - Covered for life

f. Cancer - Covered for life 

g. Wellness coverageNOT covered

  • Vaccinations
  • Routing checkups
  • Dental care

Dental treatment is covered if caused by an accident

h. PregnancyNOT covered

i. Special coverage

  • Hip dysplasia - as long as said condition was not present prior to the effective date of the policy (Pets enrolled after the age of 6 may not be eligible for coverage of this condition).

Above: Healthy Paws mobile app that's designed for "on the go" claims submissions.  

The Fine Print:

  • Waiting periods - 15 days after you sign up, exception being a 12-month waiting period to cover hip dysplasia.
  • It does not cover routine care and will not pay for vet exams or pre-existing conditions.
  • Healthy Paws Pet Insurance is one the most financially secure pet insurance companies. They are majority owned by Aon Corporation (world's largest insurance broker) and their insurance underwriter is ACE Group, an A+ Rated Company with over $25 billion in surplus to pay claims.

Final Sniff

Healthy Paws is simply the best because you can get your pet the best medical care without worrying about the cost. They pay based on your actual veterinary bill and have no per-incident and lifetime limits for claims. Healthy Paws Pet Insurance offers a very affordable, comprehensive pet health plan backed by industry leading customer satisfaction ratings!

But don’t just take our word for it. Healthy Paws is rated as the “Best Pet Insurance” company by the LA Times, Seattle Times, and countless pet insurance review sites and pet experts in the country today.  

Celebrity Endorsement

William Shatner, best known for his role as Captain James T. Kirk in Star Trek, is a proud supporter of Healthy Paws.

         Source: Tweet from @WilliamShatner on Twitter    

The Bottom Line:

Healthy Paws is the best choice overall. Get a quote now to protect your dog or cat from the unexpected! 

Start your review for Healthy Paws Pet Insurance

Latest Reviews

Based on customer reviews
716 Reviews
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Olivia W
I'm not sure what I would have done if we didn't have Health Paws Insurance.. The customer service is awesome .. great response and support!!

This is a great insurance plan for your pet and, in my opinion, the best on the market. My 3 year old foxhound had surgery on his left leg last spring which cost $ 4,100. We only had to pay 10% and we received a check for 90% of that bill. The check arrived within a week of filing the claim. Dealing with a $410 vet bill was much easier than $ 4,100 !! My foxhound ended up with the same injury on the right leg this year. Same thing, only this time the fee had gone up to $ 4,400. Again, the check arrived within a week of filing the claim. For both surgeries, I received an email within two weeks asking how my dog was recuperating.

San Diego, California
Where to begin. First and foremost, Healthy Paws genuinely seems to care about my dogs health and has always followed up with me to check in on the status of my dog when taken in to the vet. However, the 5 star rating is a result of more than just honest caring. At a time when my dog gets sick or hurt, the last thing I want to worry about is cost of care. And after having Healthy Paws insurance for my dog since he was 8 weeks old, I have learned that I no longer need to. Unfortunately, my dog has had his fair share of bites, illness, etc. and EVERY SINGLE TIME, healthy paws has reimbursed me for the amount as indicated in my policy. Doesn't sound like they went above and beyond, but... Read More

Tampa, Florida
We have been with Healthy Paws for over 5 years and I have never regretted my decision to insure my pets. I have peace of mind that I will not have to choose between getting treatment, doing nothing, or worse when it comes to the welfare of my furbabies! Our 4-year old Staffie, who we adopted two years ago, is in the process of having TTA surgery on both of his hind legs due to torn CCLs, about $6,000 total for both surgeries. After submitting the first round of medical records and invoices, I called Healthy Paws to let them know he would be getting surgery. The rep on the phone was very patient and reviewed his record with me during the initial call. She let me know that the surgeries... Read More

Jackie D
Murrieta, California
5 Stars for Healthy Pews Pet Insurance!! By far the best pet insurance I have had my dogs insured through. I have used 2 other companies and Healthy Paws has had the best coverage and reimbursement level. My dog just had TPO surgery (triple pelvic osteotomy) for hip laxity. This was my first claim and within 1-2 days of sending all needed information and claim form I received the explanation of benefits showing what my total reimbursement would be (90%). The payment was in by mail box a short time after that. I cannot recommend this company enough!!! If you have thought about insuring your pets, this is the company I would recommend....hands down!!!

krystina f
Los Angeles, California
Nothing hidden. My $250 deductible and then they covered 80 and I covered 20. Having insurance in general made it so easy to tell the doctor to move forward with our pug's pancreatitis Then, as our first instance using our insurance, I am so glad I did my research and chose Healthy Paws. The app's claim process is user friendly, they are in contact with me making sure Bullitt is doing better, and they processed the claim as soon as I sent it in. I am very happy with their service. Happy Pug mom.

Zulia l
Brooklyn, New York
We want to thank Healthy Paws for the quick and efficient way they handled our claim.Our dog Mimi is a big part of our family and we are very happy we picked the best insurance for her.Our experience in the past with another company Trupanion was very bad.We are very pleased and would highly recommend Healthy Paws to anyone looking for insurance. 😊

Melissa B
San Diego, California
Healthypaws has been straightforward, responsive, and supportive. I enjoy having peace of mind, knowing that I will never have to make hard decisions related to my dogs' medical care, driven by financial worries.

Carol S
Matawan, New Jersey
I have my 3 dogs insured with Healthy Paws. I recently had an emergency with my oldest dog while I was out of state. I can't say enough about the quality of service from this company! They process claims very quickly, reimbursement is within weeks and their customer service is excellent.

Pudgee a
Jersey City, New Jersey
I have used 2 pet insurance companies in 10 years and Healthy Paws is the best for me. Affordable and prompt payments on all my claims. No limit on claims or incidents. I recommend Healthy Paws to all my pet parents. More power Healthy Paws and thank you for always being there for my 2 furbabies

Start your review for Healthy Paws Pet Insurance