Get Quotes
HealthyPaws Reviews

Pet insurance can save you thousands of dollars if your pet is injured or gets sick unexpectedly, and the investment (as little as $15/month for a cat or $25/month for a dog) can get your pet access to life-saving medical assistance and make sure you can afford to help your furry friend when they need it. Reimbursement up to 90% of your vet bill (less your annual deductible) depends on the plan and options that you choose, with no maximum limits on claim payouts.

In some cases, they can even pay the veterinary clinic directly on your behalf. The policy includes coverage for emergencies, most hereditary, congenital or chronic conditions, cancer, and reimbursement based on your actual vet bill, not what some companies might think it should cost.

Take this opportunity to get a quote for a policy that will help protect your pet.

HealthyPaws Reviews

Average Customer Rating

4.1 out of 5

Based on 80 customer ratings
5 stars
4 stars
3 stars
2 stars
1 star

HealthyPaws Pet Insurance Reviews


2 out of 5

Anonymous, New York

August 12, 2021
Absolutely abysmal. Worst insurance provider. Every time I submitted a claim they always say the receipt is not thourough enough! Do I as a customer control how the vet clinics issue their receipts? Healthy paws refused to process my claims every time based on bogus claims the receipts are not to their personal standard. The insurance also has a policy of not covering any checkups or any visits to the vet due to owners concerns. Your dog or cat literally needs to be dying with a myriad tests like xrays, bloodtests, surgery etc for the insurance to cover. If you visited a vet and just had a basic exam, thats not covered!
Helpful 1 people found this review helpful
5 out of 5

Allyson Pellham, Nevada

July 7, 2020
I’m reading some of the negative reviews on here. I don't know what they’re talking about because I haven’t experienced anything of the sort. They’re really clear about things like pre-existing conditions and what will not be covered. Even when I felt the claims process took longer than it should, I called them and explained the situation. Now I have a $100 deductible, and they cover 90% of the bill's cost. I have been a pet owner all my life, and I was with many different insurers, and I can tell you that Healthy Paws gives you the most coverage for your money. If you don't believe me, try searching around for a policy similar to what I said above. You’ll not find anything better.
Helpful 2 people found this review helpful
2 out of 5

Kent Robinson, Delaware

June 16, 2020
This month Healthy Paws told me that they are hiking up my rate by 36%. This would mean that I am paying more than double what I was paying when I first started out with Healthy Paws. This is not fair because I will not be able to find more affordable coverage for my dog since he has a pre-existing condition. They promised to provide me with documentation showing a steady increase in more expensive claims, but ultimately, they never sent anything over. I feel disappointed and will have to change providers.
Helpful 1 people found this review helpful
5 out of 5

Nicole Williams, NE

May 26, 2020
I would like to give a major shout out to Healthy Paws! What in the world would I do without you? That day was one of the worst days of my life, and if it wasn’t for Healthy Paws, I would’ve been up a creek without a paddle. Last year, my six-year-old dog, Polly, was diagnosed with IVDD, and she needed to get a lot of tests done. It was heartbreaking to see, but after we did everything we could to save her, she passed away. I cannot tell you how hard it was for me to see this, but I didn’t have to worry about the bills. Not too long ago, I bought another dog so that my dachshund/terrier wouldn’t be so lonely. I feel that the people at Healthy Paws genuinely care about you and your dog, and it’s always good to have people like that by your side.
Helpful Be the first one to find this review helpful
2 out of 5

Monique Pool, South Dakota

May 12, 2020
I have been a Healthy Paws customer for about six years now. My deductible is $500 and hasn’t submitted any claims at all in the time I have been with Healthy Paws. Recently I submitted my first claim, which was for about $650 dollars. They paid their share and reimbursed me $150. However, not too long after that, they called me and said that my rate would go up by 40%. WHAT? My rate was going up as it is. I started out paying $35, and now I pay $52. Now they want $71. This is really bad for me because I plan on retiring soon, and I will not be able to afford it. I still need insurance for my dog, but I’m thinking about just opening up a savings account instead.
Helpful Be the first one to find this review helpful
5 out of 5

John Perez, South Dakota

April 29, 2020
Healthy Paws is the best thing I have purchased for my four cats. To tell the truth, having four cats is really costly. Without a pet insurance policy, I would not be able to afford the best veterinary care for my four-legged friends. I have a nine-year-old Colorpoint British Shorthair who is already having back problems. Healthy Paws saved me from costly vet bills and expensive medications. I have had absolutely no issues with claims. The claim processing is high-speed; you simply need to upload your receipt to their phone app and wait about 7-10 business days when your application is processed. I cannot recommend Healthy Paws enough. They are GREAT!!!!
Helpful 1 people found this review helpful
4 out of 5

Laura Davis, Utah

April 24, 2020
I’m so happy that I had purchased pet insurance with Healthy Paws. My dog has sadly acquired several health problems. I’m happy while I take care of her, and I don’t have to think about the financial factor. The support team was very patient and honest. They respond to my claims quite fast and have always been rational. I have recommended Healthy Paws to some of my friends. I hope everything will be Okay.
Helpful Be the first one to find this review helpful
5 out of 5

Mike Baker, Alabama

April 21, 2020
I bought a health insurance policy for my cat when he was 3 years old. I was extremely skeptical when I was searching for the best insurance company for my fluffy friend. I thought they were all not reliable and just scammers. I chose Healthy Paws cause I found a lot of good reviews and tried to believe them. Thank God, I was not wrong. My cat, Lucky, had a large tumor that required a splenectomy and lots of costly tests three months ago. Thankfully we caught and removed cancer before it could spread. The bills totaled around $8,000 between checkups, surgery, ultrasounds, x-rays, and medicine. Healthy Paws paid my claims without issue and paid them very rapidly. Healthy Paws company became our salvation!! I highly recommend to all my friends. Thank you, Healthy Paws. You are awesome!!
Helpful 1 people found this review helpful
2 out of 5

Kate Wright, Florida

April 15, 2020
There were problems with working with Healthy Paws. I have a two-year-old Boxer. He is young and active. He doesn’t have any health problems. I started with Healthy Paws 10 months ago. 2 days ago, they just notified me the annual fee would be going up 30%. I called them and asked why. They just said all the prices were going up. I will cancel my agreement with them!! A good company shouldn’t do this with its customers!!!
Helpful Be the first one to find this review helpful
5 out of 5

David Young, Texas

April 6, 2020
Any time my almost 10-year-old, very active labrador retriever needed Healthy Paws, they have provided excellent customer support. They bill immediately and do not fail to cover what they told they are going to cover. Healthy Paws, thanks for your REALLY helpful and patient service. My fluffy Buck is pleased to have an insurance policy and be treated every time he needs to. I highly recommend you to all my friends!!
Helpful Be the first one to find this review helpful
5 out of 5

Kurt Cannon, Idaho

January 11, 2020
My dog Copper, recently underwent a serious procedure. I don’t want to get into all of the details, but it was really hard for him and for us as well. I would like to take this moment to express my appreciation for the way Healthy Paws took care of my claims. Everything was done quickly and efficiently, which saved us a lot of hassle at such a difficult time. Now Copper is back home and better than ever. I feel lucky to have the opportunity to keep him going strong.
Helpful Be the first one to find this review helpful
5 out of 5

Bjorn Holland, South Carolina

January 2, 2020
I would like to express my gratitude to Healthy Paws and their staff for taking such good care of my dog. I have a Mastiff who was in the hospital in the ICU with aspiration pneumonia and needed an additional operation for GI perforation. I was willing to do anything for my dog, but I was worried about how much the bill was going to be. He had something similar in the past, I was worried that they would treat it as a preexisting condition and not pay for it. Imagine my relief when they covered the complete cost of the hospital, nearly $30,000 and all of the follow-up the care he needed. Two days after I submitted my claim, they called me and said that they would cover the cost. I felt like they really care for me and that I was in good hands with them. I highly recommend them to everybody.
Helpful Be the first one to find this review helpful
5 out of 5

Grace Peterson, Georgia

November 10, 2019
My kitten broke one of her legs, and because it happened during the nighttime (she is quite active when the night comes and sleeps during the day), I had to take her for an emergency appointment. The vet did several tests, X-rays, and a cast was positioned. Still, the next day the vet decided that the best thing for our cat’s recovery was leg surgery. All my requests were dealt with quite fast, and Healthy Paws reimbursed me in less than two weeks – up to 90% of all costs were covered! I really enjoyed being contacted by the rep for a follow-up after the surgery, as he asked about how my cat was doing. This is the best pet insurance service ever!
Helpful 1 people found this review helpful
5 out of 5

Aaliyah Wilson, Indiana

November 9, 2019
I am grateful I chose Healthy Paws to cover us. My dachshund had several health problems during the past years, and I never had to worry about the impressive vet bills costs. I am stress-free because I know Healthy Paws is there to help us. Their staff is friendly and provides all the additional info you might need. And what I love most about Healthy Paws is that the reps take the time to contact you to ask how your pet is doing!!
Helpful Be the first one to find this review helpful
5 out of 5

Arianna, Florida

November 8, 2019
I wasn’t sure at first I needed insurance for my dog, but I opted for one of the plans from Healthy Paws just in case. And this was the best decision I ever made! My dog tore one of his ligaments, which led to surgery, post-op care and expensive treatments. This company reimbursed me 90% of the costs, and my dog recovered faster than I expected. And a big plus of Healthy Paws is that they offer you reimbursement in less than a week!
Helpful 1 people found this review helpful
5 out of 5

Angelina, Arizona

November 8, 2019
So, here is me with my puppy, whom you might expect to be extremely healthy. But to my complete horror, he developed a problem with one of his legs, which resulted in expensive surgery. The vet told me we could wait on the surgery, but the pain would most likely become unbearable for my little one. Being insured by Healthy Paws helped me deal with my puppy’s condition, as they covered almost all the surgery costs and even reimbursed me for the post-op care!! I was so stressed during the surgery, but Healthy Paws provided the peace of mind I needed. I recommend this service to everyone who wants to have access to the best care for their pets! Thank you, Healthy Paws!
Helpful Be the first one to find this review helpful
5 out of 5

Mary, Alaska

November 3, 2019
Fast service! I have an adventurous cat, so going to the vet is somehow part of our daily routine. Healthy Paws is there for us and accepts almost all our claims. I saved a lot of money thanks to them! And it is simple to receive the benefits of their service! The reps are friendly and well-trained, which makes everything go as smoothly as possible.
Helpful Be the first one to find this review helpful
5 out of 5

Brianna, New Jersey

October 28, 2019
One of my cats suddenly got her back legs paralyzed, and we took her to the animal hospital in the area. The vet told us it was a neurological issue that could be treated with back surgery. So, before I listed my cat for surgery, I asked Healthy Paws if they could help us with this (I was prepared to go and get a bank loan, as I truly believed this wasn’t covered). The rep explained how the claim works, and I ultimately received reimbursement for both the surgery and post-op care. And they even contacted me to see how my furry baby was doing! You are amazing, Healthy Paws
Helpful Be the first one to find this review helpful
5 out of 5

Caroline Torres, California

October 21, 2019
Healthy Paws is amazing. My dog had emergency surgery, and I contacted them for additional info in regards to how to deal with a claim. The rep was friendly and helpful and guided me through all the steps needed to receive my reimbursement as fast as possible. It was a stress-free experience, and this company helped me concentrate on my pet’s needs rather than on the costly procedures. I highly encourage you to give Healthy Paws a try, as they are pet lovers and even send you follow-up emails. I am their loyal customers, and extremely grateful for what they’ve done for me.
Helpful 1 people found this review helpful
5 out of 5

A. Morris, Colorado

October 19, 2019
Healthy Paws did wonders for my Labrador!! If it weren’t for this health insurance policy, I can tell you with certainty I wouldn’t have been able to care for my dog. He was admitted at the veterinary clinic, and the vet kept him under observation for more than seven days. The cost of hospitalization alone exceeded $15,000!! Healthy Paws understood my distress and managed to accept and reimburse my claim as fast as possible. They didn’t look for reasons not to do so! Their reps were caring and knowledgeable, which is why I encourage everyone that owns a pet to get insurance with them!
Helpful 3 people found this review helpful
Visit Insure Website

How do I know I can trust these reviews?

  • There are close 1 865 verified Consumer Affairs reviews.
  • We request the contact information of all reviewers to confirm their identity.
  • To maintain the site’s integrity, we use smart software to help us out.
  • Again, moderators will investigate all reviews before posting to ensure quality and usefulness.

Not sure how to choose?

Get expert byuing tips about Pet Insurance delivered to your inbox

Not sure about HealtyPaws?

Take our two minute quiz to find the right Pet Insurance for you

No spam. We take your privacy seriously.
Visit Insure Website

Healthy Paws Contact Information

Year Founded: 2009
Address: PO Box 50034
Phone: (800) 453-4054
ZIP Code: 98015
City: Bellevue
State: Washington
Country: United States
Price Range: from $17.68 per month

Many pet parents are also fiscally savvy consumers, and they want insurance coverage for their pets that not only provides a great value but monthly rates that won’t break the bank. They’re looking for a broad plan that covers as many health issues as possible, and at the same time, has enough room in case disaster strikes. After all, when a pet is sick or injured, pet owners need to have the bandwidth to tend to their beloved pet, not what it’s going to cost to resolve health issues. Enter Healthy Paws Pet Insurance.

Healthy Paws Pet Insurance is licensed in all states and sits under the Chubb Group umbrella of insurance providers, among many other distinguished companies. Healthy Paws first came on the scene in 2009, then as Healthy Paws Pet Insurance & Foundation. Their insurance coverage has helped many dogs and cats live a longer, much better quality of life.

How does Healthy Paws work?

Healthy Paws offers “Head-to-paw” coverage for all of its furry clients. There are unlimited annual and lifetime payouts, plus pet owners can get a free quote online for one or all of their fur babies. Healthy Paws gives pet parents the freedom to work with any licensed veterinarian.

  • Enrollment in the plan is open to cats and dogs of all ages, from 8 weeks to before their 14th birthday.
  • As with many other providers, pre-existing conditions, exam fees and preventative care such as annual check-ups, vaccinations, and dental cleanings are not covered.
  • However, despite those restrictions, the plan is comprehensive, covering all other health conditions including hereditary and congenital conditions, chronic conditions, cancer, prescription medications, and emergency care.
  • While not pleasant to think about, euthanasia, when medically necessary for a covered condition, is covered under Healthy Paws’ plan as well.
  • Once enrolled, there is a 15-day waiting period for accidents and illnesses and a 12-month waiting period for hip dysplasia.
  • For potential clients who are not sure if pet insurance is for them, Healthy Paws offers a 30-day Look Period where, for a fee, the potential client can experience what it is like to have pet insurance.
  • However, if they find that pet insurance is not for them and they wish to cancel during the 30-day review period, Healthy Paws will give a complete refund of the fee.

Healthy Paws Claim Form

Healthy Paws Pet Insurance processes their claims quickly. In fact, 99% of the claims are processed in two business days. Reimbursement payments are dispersed via check or direct deposit, and claim status can be viewed in real-time via their claim app or website.

If a client is unable to pay the veterinarian in full and subsequently file the claim for reimbursement, arrangements can be made for Healthy Paws to pay the veterinarian directly. Besides, for those clients who wish to manage expectations when it comes to upcoming charges for veterinary services, Healthy Paws has pre-authorization available. Both of these arrangements should be made with a Healthy Paws Claims Representative.

Serving the Furry Community

Healthy Paws participates in a whole host of charity opportunities, including their own medical grant program, Every Quote Gives Hope. Through this program, Healthy Paws has donated nearly $600,000 in grants to many, many pet rescues and animal shelters in their efforts to care for sick and homeless pets.

They have been #1 customer rated for the past 9 years via sites like Yelp, Trustpilot, Consumers Advocate, and Angie’s List. Just recently, Healthy Paws was rated #1 by Canine Journal and rated 9.8 out of 10 through Pet Insurance Review – a site run by pet parents for pet parents.

Visit Insure Website

HealthyPaws Availability & Policy Options

Annual deductible options of:

  • $100
  • $250
  • $300
  • $750
  • $1000

*Freimebusement level options of:

  • 90%
  • 80%
  • 70%
  • 60%
*Choice will very depending on pets age and breed.

HealthyPaws Pet Insurance Cost

Sample. HealthyPaws dog insurance rates

Age (Years) Prices
1 $30.65
2 $33.22
3 $37.80
4 $41.21
5 $45.33
6 $50.48
7 1234

Sample. HealthyPaws cat insurance rates

Age (Years) Prices
1 $30.65
2 $33.22
3 $37.80
4 $41.21
5 $45.33
6 $50.48

Visit Insure Website

Compare Healthy Paws vs Other Pet Insurance Provider

HealthyPaws Petplan ASPCA Petsbest Embrace
Customer Rating 9.8 7.9 9.1 8.7 7.6
Unlimited Lifetime Benefits Yes No No No No
Covers All Illnesses & Accidents Yes No Yes No Yes
Covers All Genetic Conditions Yes No Yes No Yes
Includes Alternative Therapies Yes No Yes No Yes
Type of Deductible Annual Annual Annual Annual Per Incident
Financial Stability Rating A+ A A+ A- A+
Visit Insure Website


Petinsurancefinder is an independent platform, made to provide pet owners with up-to-date information about top insurance companies. Any insurance company that is presented on this website has the right to make changes to its official data. We are dedicated to distributing reviews based on a person's experience and opinions of his/her insurance company. Reviews are "reviewed" to ensure there is no offensive material. All information may be used only for reference; carefully review your policy before purchasing and signing a new contract. As an independent platform, we receive compensation from companies listed in the comparison block. No review is a representation of our company or its employees.