Healthy Paws Pet Insurance Review

Rating: 9.8 / 10 (Excellent)
624 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
624 Reviews
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Sergey K
Philadelphia, Pennsylvania
Awesome pet health insurance. Very affordable and great costumer service. Claims get reviewed very quickly. I had it for 5 years and would recommend to everybody

Dawn C
Choosing Healthy Paws as our pet insurance was one of the smartest things we've done. Claims are processed quickly, coverage is great and the customer service is outstanding. They truly care!

Rosemary F
Redmond, Washington
In our dog's short 8 years to date, she has had 3 leg surgeries, skin infections, urinary tract infections, an Addison's crisis where she was in a specialized hospital for a week to save her life, and now on medication for life. And yet, she is a very strong, sweet dog. Having her insured with Healthy Paws has saved her life and our financial ability to give her the care she needs and deserves. We have an annual deductible and pay for the office visits and regular shots; Healthy Paws pays 80% of the rest - all the tests, x-rays, surgeries, medications, etc. No questions asked. I just send copies of the vet's bills and we get a check back quickly (even before the VISA bill arrived!).... Read More

Jill F
, California
When we rescued our love-pug Lucy, we NEVER could have guessed what we had in store. Within the first 3 months, we had 4 different VERY expensive trips to the vet. She had consumed gum and chocolate. At an expense of more than $1000.00 a piece, it was financially very stressful. We decided to look into pet insurance and found Healthy Paws!!!! It feels like WE have been rescued!!!! Since joining, Lucy has had various other maladies including a recent bout that led to a long stay in the hospital. Because of Healthy Paws, we were able to save her life. We continue to be AMAZED by the customer service, quick reimbursement checks, and reasonable price. Because of Healthy Paws, Lucy... Read More

Vanessa R
Simpsonville, South Carolina
Simply the best, because it works! I have an English bulldog and everybody knows how they are prone to get health issues. My sweet puppy had his first eye surgery when he was only 6months. This was before Health Paws (unfortunately, sometimes we wait till something happens to make a move). Now he is 1 and 4 months and another eye surgery, but this time it's different than before. I was a bit unsure if they would say this was a pre-condition, so I called and they said, again, if it's unrelated, we'll cover.! And that's exactly what happened! It took only 1 week after I've done the claim, they responded me with the details of the refund. Now I'm waiting for the check to arrive! Totally... Read More

Lisa B
I have a purebred Newfoundland. The third from a reputable breeder. No problems with the other two in their lifetime. I bought pet insurance this time because my daughter suggested it is a good idea for any new puppy. My puppy was four months old when she started limping. She had elbow dysplasia in both elbows and it required surgery. Not only was everyone at Healthy Paws supportive and sympathetic, but they didn't interrogate me or make it difficult to file for coverage for the surgery. They have been amazing and I cannot say enough about their support. It has proven to be worth every cent for the monthly premiums. It has literally saved me financially with this unexpected problem.

Whittier, California
This is coming from someone who never had experience with pet insurance before so this process was new to me. Come on, pet insurance? Really? Growing up, who would've thought pet insurance was a thing. Well, it is a thing and I highly suggest looking into it if you haven't already. I got a 4 year-old pug at the beginning of the year from someone who couldn't care for her anymore. She was not spayed and didn't have any records of shots or anything. I kept asking and the family basically disappeared on us. Well I took it upon myself to make sure she was set. Got a checkup, shots and had her fixed. After a long debate (with myself) I decided to look into pet insurance. Asked around... Read More

Wendy G
The support and service have been excellent! We bought a puppy 6 months ago and decided to keep the insurance the previous owner had set up with Healthy Paws. Little did we know how important that decision was! Our Cavalier King Charles required knee surgery when she was 10 months old. Sending in the claims was very easy for us and the Veterinarians. Our claim was handled quickly and everyone we spoke with was caring and efficient.

Charles M
I got Healthy Paws pet insurance for my Sphynx kitten, which is the first pet I've owned in my adult life. Soon thereafter, my girlfriend and I moved in together and got two more kittens, a Savannah and an Oriental Short Hair. We got those kittens coverage under Healthy Paws as well. I now refer all of my friends, family, and fellow pet lovers to Healthy Paws and advocate that everyone get pet insurance, which leads to my first point. The first question you might have when considering pet insurance is "do I really need pet insurance?!" It's a very reasonable question, and one you might ask friends and family who are fellow pet owners. Most fellow pet lovers will tell you it's... Read More

Gena L
Encino, California
What makes this company extraordinary is that its run by people who really love animals. They go above and beyond and I couldn't be happier having this insurance for my rescue dog, William. Unfortunately, William didn't win the genetic lottery and one year after adopting him it became clear he was headed for a total hip replacement for his bad hips. A year after the hip surgery his knee started popping out of place. Yep, he was again headed for surgery to repair his knee. I honestly don't know what I would have done if I didn't have Healthy Paws Insurance to help cover the majority of costs for these two major surgeries. Both were expensive surgeries but Healthy Paws made them... Read More

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