Healthy Paws Pet Insurance Review & Prices

Healthy Paws pet insurance review

Overall Rating 4.2 / 5

star reviews 4.5
  • Affordable premiums
    • For dogs – from $44
    • For cats – from $23
  • Customizable plans
    • Deductibles: $250 or $500 (under 6 years); $500-$1,000 (6 years and older)
    • Reimbursement rates: 70% or 80% (under 6 years); 70% (6-7 years); 50% (8 years and older)
      Annual coverage limits: Unlimited
  • Insurance coverage
    • Accident & illness plans
    • Specialized in dogs and cats
    • No cancellation fees

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About Healthy Paws Pet Insurance 🌟

Healthy Paws Pet Insurance has been a trusted companion for pet owners, ensuring the well-being of furry friends for over a decade. Renowned for its simplicity, affordability, and commitment to comprehensive coverage, Healthy Paws stands out in pet insurance.

Key Highlights
Healthy Paws distinguishes itself by providing unlimited coverage without annual or lifetime caps, offering peace of mind to pet parents. The straightforward plan eliminates complexity, and the 30-day money-back guarantee ensures satisfaction. Though not customizable for older pets, Healthy Paws’ focus on simplicity and transparency makes it an appealing choice.

Why Choose Healthy Paws?
Healthy Paws distinguishes itself by providing unlimited coverage without annual or lifetime caps, offering peace of mind to pet parents. The straightforward plan eliminates complexity, and the 30-day money-back guarantee ensures satisfaction. Though not customizable for older pets, Healthy Paws’ focus on simplicity and transparency makes it an appealing choice.

Committed to Pet Wellness
More than just an insurance provider, Healthy Paws is a committed partner in your pet’s wellness journey. The claims process is streamlined through a user-friendly mobile app, and the option for direct vet payments simplifies the reimbursement process. With accreditation from the Better Business Bureau and a decade of industry experience, Healthy Paws strives to make pet insurance accessible and reliable for all.

Healthy Paws Pet Insurance Plans and Coverage🛡️

Explore the simplicity and comprehensiveness of pet insurance plans at Healthy Paws, designed to prioritize your pet’s health and your peace of mind.

Accident and Illness Plan

Healthy Paws offers a straightforward yet comprehensive Accident and Illness plan that covers injuries, illnesses, genetic conditions, and emergency care. The plan comes with unlimited annual coverage, ensuring that your pet’s health needs are met without worrying about reaching maximum limits.

Optional Add-On Coverage

Unlike some competitors, Healthy Paws doesn’t provide add-on coverage for routine or wellness care. However, the Accident and Illness plan is designed to encompass a broad range of conditions, treatments, and diagnostics, including cancer, hereditary conditions, broken bones, toxic ingestions, and more.

Exclusions and Waiting Periods

While providing extensive coverage, Healthy Paws excludes pre-existing conditions from coverage. There’s a 15-day waiting period for most illnesses and injuries and a 12-month waiting period for hip dysplasia treatments. It’s important to note that coverage for hip dysplasia is available only for pets under 6 years old.

Coverage Levels and Customization

Healthy Paws offers one pet insurance plan, but customization options are available for pets under 6 years old. You can choose from different deductibles and reimbursement rates to tailor the plan to your pet’s needs. For older pets, rates are locked based on age.

No Routine Care Add-On

Unlike some competitors, Healthy Paws doesn’t offer add-ons for routine or wellness care. The focus is on comprehensive accident and illness coverage, making it suitable for those looking for a straightforward plan without additional frills.

Unlimited Coverage and Transparency

One of Healthy Paws’ standout features is the unlimited coverage with no annual or lifetime caps. This transparent approach ensures that pet owners clearly understand their coverage, contributing to the company’s reputation for simplicity and reliability.

Healthy Paws Pet Insurance Cost 💵

Understanding the cost of pet insurance is essential, and Healthy Paws provides transparency and flexibility in its pricing. Various factors influence the cost of your pet insurance, including your pet’s age, breed, location, and the coverage options you choose.

Average Monthly Premiums:

Pet Type Coverage Type Average Monthly Premium
Dog Accident & Illness $72
Cat Accident & Illness $36

Additional Costs and Fees:

  • No Enrollment Fee: Healthy Paws currently does not charge a one-time enrollment fee.
  • No Monthly Payment Processing Fee: Enjoy the convenience of online payments without additional processing fees.

Customization Options:

Healthy Paws offers flexibility in tailoring your plan to meet your budget and your pet’s needs. Customize the following variables:

  • Annual Deductible: Choose from $250 or $500 for pets under 6 years old; $500, $750, or $1,000 for pets 6 years and older.
  • Reimbursement Rate: Opt for 70% or 80% for pets under 6 years old; 70% or 50% for pets 6 years and older.
  • Annual Coverage Limit: Enjoy unlimited coverage for all pets, ensuring peace of mind without worrying about maximum limits.

Factors Influencing Cost:

  1. Breed and Age: Premium rates may vary based on your pet’s breed and age.
  2. Location: Veterinary costs can differ by region, impacting your premium.
  3. Coverage Level: While Healthy Paws provides comprehensive coverage, the chosen deductible and reimbursement rate influence the premium.

Discounts and Savings:

While Healthy Paws does not offer specific discounts, its competitive pricing and comprehensive coverage contribute to potential savings compared to other providers.

Frequently Asked Questions❓🙋

What does Healthy Paws pet insurance cover?

Healthy Paws covers injuries, illnesses, genetic conditions, emergency care, and more. The comprehensive plan includes treatments like surgeries, X-rays, prescription medications, and alternative therapies.

Does Healthy Paws cover routine care and wellness visits?

No, Healthy Paws does not offer coverage for routine care, including wellness visits, vaccinations, and dental cleanings. The focus is on accident and illness coverage.

Is there an age limit for enrolling pets in Healthy Paws insurance?

You can enroll your pet in a new policy with Healthy Paws starting at eight weeks old, and the maximum age for new enrollments is 14 years.

Are pre-existing conditions covered by Healthy Paws?

No, pre-existing conditions are not covered. It’s essential to enroll your pet before any signs of illness to ensure coverage.

What is the waiting period for coverage with Healthy Paws?

There is a 15-day waiting period for most illnesses and injuries. However, there’s no waiting period for conditions resulting from an accident.

Can I choose any veterinarian with Healthy Paws?

Yes, Healthy Paws allows you to visit any licensed veterinarian, providing flexibility in choosing your pet’s healthcare provider.

How are claims processed with Healthy Paws?

Claims can be submitted through the Healthy Paws mobile app or website by uploading itemized veterinary invoices. Claims are typically processed within two to 10 days.

What are the deductible options with Healthy Paws?

Deductible options vary based on your pet’s age, ranging from $250 to $1,000. The deductible is the amount you pay before the insurance coverage begins.

Can I customize my reimbursement rate with Healthy Paws?

Yes, if your pet is under 6 years old, you can choose from reimbursement rates of 70% or 80%. For older pets, reimbursement rates are automatically set based on their age.

Is there an annual coverage limit with Healthy Paws?

No, Healthy Paws offers unlimited annual coverage, ensuring that there is no maximum limit on the amount the insurer will reimburse in a given year.

Are there discounts available for multiple pets with Healthy Paws?

Healthy Paws does not offer multipet discounts. Each pet requires a separate policy, but you can manage multiple policies from one account.

Can I cancel my Healthy Paws pet insurance?

Yes, you can cancel your Healthy Paws pet insurance by phone, email, fax, or mail. Provide details such as your name, pet’s name, policy number, cancellation effective date, and the reason for cancellation.

What is the average cost of Healthy Paws pet insurance?

According to a Forbes Advisor analysis, Healthy Paws pet insurance costs an average of $56 per month for unlimited annual coverage with a $100 deductible and 80% reimbursement.

How long has Healthy Paws been providing pet insurance?

Healthy Paws has been offering pet insurance since 2009. The Chubb Group underwrites the company and has over a decade of experience in the industry.

Healthy Paws Pet Insurance Reviews ⭐

Discover why pet owners & trusted companies recommend Healthy Paws. Read testimonials to explore their experiences with this trusted pet insurance. From Forbes, Canine Journal, Nerdwallet, and so on.


Healthy Paws earned 4 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, coverage options and financial strength ratings.

four star review


Healthy Paws is a popular, trusted pet insurance provider with over a decade of experience, and it offers a simple plan that can make getting coverage for your cat or dog quick and easy. Healthy Paws pet insurance is available in all 50 U.S. states.

reviews 4.5


While Healthy Paws has decent prices and unlimited annual coverage, it doesn’t offer a wellness package or cover vet exam fees for accidents and illnesses. Pets enrolled at age 6 and older will not be covered for hip dysplasia.

three and half starts

Canine Journal

Healthy Paws has no maximum payouts for all policies, so you never have to worry about hitting the limit on your coverage payouts. You can count on reimbursement for any covered costs after your deductible is met.

Canine Journal
four star review

Pawlicy Advisor

Overall, the Healthy Paws pet insurance plan is comparable to other pet insurers. The company offers accident and illness coverage, including coverage for many hereditary conditions, congenital conditions, and chronic health problems.

Pawlicy Advisor
four star review


Healthy Paws sells policies that insure dogs and cats against accidents and illnesses. This includes coverage for injuries, genetic conditions, alternative care, emergency care, cancer, and other conditions. The company’s plans are available in all states.

US News
four star review


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