Healthy Paws Pet Insurance Review

#1 in Pet Insurance

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! 

Latest Reviews

Based on customer reviews
354 Reviews
Start your review for
Healthy Paws Pet Insurance
Kevin Foley
Boston, Massachusetts
Healthy Paws Pet Insurance review
Healthy Paws is very dependable and caring.

Irish McCarthy Youngash
San Clemente, California
Healthy Paws Pet Insurance review
I have both my Frenchies insured with Healthy Paws and I wouldn't change that for anything! I've unfortunately had quite a few claims and HP reviews them quickly and I have a check in my hands within 2 weeks. It's utterly amazing. I just take a picture of the invoice with my phone and upload it on their app. No claim forms and zero hassle. It's amazing. There is NO other pet insurance that compares. Period. Thank you Healthy Paws Pet Insurance! A++++++++

Susan McOllough
Healthy Paws Pet Insurance review
Recently my dog suffered a compressed disc while playing with his buddy. After a month of intense down time prescribed by his neurologist he suffered complications with a stagnate GI track.Through all the x-rays, MRI, hospitalization and IV medication, Healthy Paws Pet Insurance has been reliable and timely in processing his claims. I usually receive a reimbursement check within 7 days of submitting a claim. In fact a claim I submitted the Sunday after Thanksgiving was processed that very day and the reimbursement check arrived three days later. It is stressful enough to have an injured/sick pet without worrying how to pay the vet bills. Healthy Paws has enabled me to seek the best care possible because of the coverage it offers and diligence in processing claims.

Doreen Parkhurst
Healthy Paws Pet Insurance review
We are thrilled with Caitlin's Healthypaws insurance. She is just 2 years old but has already had major surgery and an illness requiring ICU admission. The bills would have incapacitated us but with the low deductible and high percentage of payment from Healthypaws, our share was small compared to the total cost. I think the smartest thing we ever did (besides adopting Caitlin) was insuring her at Healthypaws!

Sara Zuniga
Rolling Meadows, Illinois
Healthy Paws Pet Insurance review
Excellent service! My furbaby Ziggy had surgery to repair a torn ACL. I filed with Healthy Paws and a couple of days later they asked for his regular vet's records. Unfortunately by then I was out of town and didn't reply as promptly as I should have. But not to worry! Healthy Paws contacted the vet and got the required documents. Next thing I knew, I got an email telling me that all was taken care of and that I would receive a check! Yay! I totally recommend Healthy Paws.