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Insurance Pet Insurance

Healthy Paws Pet Insurance Review

3.8 /5
LendEDU Rating
Pet Insurance
  • Most claims are processed within two days
  • 30-day money-back guarantee
  • $25 admin fee
  • No discounts
  • 12-month waiting period for hip dysplasia
  • 15-day waiting period for accidents and illnesses
  • No preventative care or wellness add-on
Annual coverageUnlimited
ReimbursementUp to 90%
Deductible$250 or $500

Healthy Paws is a company offering pet insurance to help offset the cost of high veterinary bills. Healthy Paws gets high marks from consumers and makes low-cost coverage options available, but it also presents several downsides.

This Healthy Paws review will help you decide whether this coverage is right for you.

Healthy Paws Pet Insurance: Costs & coverage 

Eligible petsCats & dogs
Maximum benefitUnlimited
Deductibles$100 – $1,000
Reimbursement range50% – 90%
Eligible ages to open a policy8 weeks14 years*

*This upper-age limit is only enforced for new enrollments. If your pet was enrolled before age 15, it will remain eligible.

Healthy Paws is a top-rated pet insurance provider. The co-founders of the company met through their work at a no-kill animal shelter, so a true love for animals serves as a foundation for Healthy Paws Insurance.

What does Healthy Paws Pet Insurance cover?

Healthy Paws covers various conditions, including:

  • Illnesses
  • Accidents
  • Hereditary and congenital conditions (limitations apply)
  • Chronic conditions
  • Cancer 
  • Diagnostic treatment
  • X-rays
  • Blood tests
  • Ultrasounds
  • Surgery
  • Hospitalizations
  • Prescription medicine
  • Emergency care
  • Specialty care
  • Alternative treatment 

Healthy Paws does not cover:

  • Exam fees
  • Preexisting conditions
  • Preventative care (including vaccinations, flea and heartworm control, dental care, spaying and neutering, and anal gland expression)
  • Elective procedures, boarding, therapy, behavioral modification, or behavioral training 

Healthy Paws has no maximum annual limits, lifetime caps, or incident caps. 

How much does Healthy Paws cost?

You can get a personalized pet insurance quote on the Healthy Paws website and see what you might expect to pay monthly and your reimbursement rates to decide whether a policy is worth buying.

Pros & cons of Healthy Paws Insurance


  • No caps on payouts. Other insurance companies may pay only up to a specified amount each year or per incident.

  • More comprehensive coverage than many competitors. As long as a pet is enrolled before age six, conditions that are hereditary and congenital may be covered. 

  • The plan structure is straightforward, and submitting necessary information for reimbursement is easy because Healthy Paws doesn’t require a claim form. Manage everything online or via the company’s mobile app. 


  • For accidents and illnesses, the Healthy Paws waiting period is 15 days. For hip dysplasia, a 12-month waiting period exists for pets younger than six.

  • If a pet is injured or gets sick during a waiting period, you’re not covered. Any resulting health problems from an accident during the waiting period are considered preexisting conditions and excluded.

  • Hip dysplasia coverage is not available for pets aged six or older at the time of enrollment.

  • Exam fees aren’t covered like with other providers such as ASPCA.

How to get a Healthy Paws policy

To get a Healthy Paws policy, follow these steps:

  1. Visit the company’s website and input your pet’s name, breed, age, and location. After entering this information, you’ll get a policy quote.
  2. Customize your plan’s reimbursement rate and deductible amount to get the desired coverage amount and premium.
  3. Provide additional contact information, and confirm the date of your pet’s last vet exam.
  4. Enter your payment information and initiate your policy’s waiting period.

Note that when you sign up, you may need to pay a one-time signup fee of $25 (not charged in every state).

Where is Healthy Paws Insurance available?

Healthy Paws is available in all 50 states.

How is the customer service for Healthy Paws Pet Insurance?

To contact customer service, you can visit the online Healthy Paws Customer Center. Using the online Customer Center, you can manage your policy, file claims, review your claim status, and update your billing information. 

Healthy Paws is a paperless company, so all information is electronic. Healthy Paws has a mobile app. And with the Speedy Claims Payout process, you can take a picture of your vet bill and submit it online or through the mobile app.

Healthy Paws has an A+ rating from the Better Business Bureau (BBB) and has an average of 2.79 out of 5 stars from customers as of June 2023. Many customers seem happy with Healthy Paws’ products, services, and customer care. 

However, one customer complained to the BBB because of increases in premiums each year. Other customers have described the customer service as problematic and complained of difficulty contacting a customer service representative despite repeated attempts. 

Where to find Healthy Paws alternatives

Healthy Paws may be a viable option if you’re searching for pet insurance. Healthy Paws stands out from competitors because of low monthly premiums and no caps on claims payouts.

However, you should compare all your options before making a decision. Our guide to the best pet insurance companies will help you compare insurers to find the coverage you need. You can also check out our reviews of popular providers.

You may also be interested in our comparisons of Healthy Paws vs. Trupanion, Healthy Paws vs. Embrace, Healthy Paws vs. ManyPets, or Healthy Paws vs. Spot.

How we rated Healthy Paws

Healthy Paws scored a LendEDU rating of 3.8 out of 5. We rate pet insurance companies based on various data points including coverage, cost, customer ratings, benefit limits, and exclusions.

Ready to cover your furry friend with Healthy Paws? Visit its website.

  • Benefit limit: No maximum
  • Deductibles: $100 – $1,000
  • Reimbursement: 50% – 90%