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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, as well as cancer, and reimbursement is 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

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HealthyPaws Pet Insurance Reviews


Kurt Cannon

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.
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Bjorn Holland

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 need an additional operation for a 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 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.
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Grace Peterson

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

Aaliyah Wilson

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!!
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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!
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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!
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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.
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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
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Caroline Torres

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

A. Morris

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 2 people found this review helpful

Julia Kaylee Thompson

October 10, 2019
I am impressed by the services offered by Healthy Paws. Amazing!! I am so grateful!!
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Derek Davidson

September 26, 2019
Healthy Paws is like part of my family! The monthly fee for my insurance plan is cost-effective, which is why I consider it a big plus, even though unfortunate events don’t happen too often. It is best to be covered, especially with your pets! Take this example: my cat overeats all the time. So, a few nights ago, I took him to the vet because he was feeling dreadful. The vet did x-rays, blood work and several other costly procedures. The overall invoice was for $1500. I submitted a claim, and Healthy Paws reimbursed 90%, which meant I only had to pay the fee for the vet’s time. Besides being the fastest reimbursement I have ever received, their representative contacted me afterwards to ask how my pet was feeling. When my other cat passed away, Healthy Paws sent me a handwritten card with condolences. There are not enough words to express my appreciation for their services! And even though I sound like I am praising some corporation, I genuinely believe Healthy Paws is the best in their field. Everything is smooth, fast and they don’t seek false problems to have a reason to reject your request. If you have a pet, you unquestionably have to get insurance with Healthy Paws. I’ll forever rely on their services! Thank you so much!
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Edward Parsons

September 6, 2019
Back in 2018, my dog ruptured one of his ligaments, which, of course, due to his elderly age, required expensive surgery, for which I didn’t have the means to provide. And because our vet doesn’t offer payment plans, I was encouraged to opt for one of the insurance plans at Healthy Paws. So, when the unfortunate event happened, we had been with this company for almost 12 months. The overall process went smoothly, and Healthy Paws approved my request and reimbursed nearly all the costs. In the end, I only paid for around $400, the rest of which was taken care of by Healthy Paws. They offer this fantastic feature called lifetime claims, which makes me feel at ease when it comes to my dog’s health. To sum up, Healthy Paws is a professional and trustworthy insurance company. I am even considering adding my mom’s dog on my insurance, too.
Helpful 1 people found this review helpful

Mary Johnson

August 19, 2019
My cat has neurological issues, which result in a lot of seizures and vet appointments. Not once did I had to struggle to receive coverage from Healthy Paws! They helped us and covered almost everything we needed, and the rep was really concerned about our pet’s wellbeing!
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Martha Fleming

June 19, 2019
Healthy Paws is outstanding! I have been with them for seven years, and I have never had a dreadful experience, as others suggest in reviews. I have a golden retriever, and he was quite healthy until recently. He likes to chew all sorts of stuff, and one day he broke some teeth in the process. The vet said it is necessary to get surgery, as this can transform quickly into a threatening situation. Healthy Paws was there to support me, and their representative guided me throughout the process. I received everything that was mentioned in their insurance plan, the reimbursement was fast and everything was done in less than two days. The representative that was with me all the time even phoned for a follow-up and expressed real concern about my dog. So, here is my verdict: if you want a reliable insurance company with full disclosure, then Healthy Paws is the best choice for you!
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May 6, 2019
It is so reassuring to be insured by Healthy Paws. You never have to worry about choosing between financial problems and your pet’s health. And I can’t emphasize enough how serious this company is, mainly because my best friend had a policy with another company and they failed to help him when he needed it the most. So, overall, having a policy at Healthy Paws makes me sleep well at night, as my pet is both loved and prepared for any hardship he might face in this life.
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April 1, 2019
My French Bulldog is quite clumsy and gets injured easily. In more or less a year, he had two expensive surgeries, one for a leg problem and one for a digestive blockage. Healthy Paws reimbursed both claims quickly without asking for additional information. So, all those around here that complain about this provider, just do us all a favor and read all the details regarding what you are paying for. Maybe you are unsatisfied because what you are requesting isn’t covered by your current plan. I knew when I signed up that routine checkups, vaccines or pre-existing health issues are not eligible for reimbursement. And, of course, that there was a deductible fee of $250 per year. This pet is everything to me, so I am more than happy to pay for this professional service. I will pay for it no matter if I need it or not.
Helpful 1 people found this review helpful

Peggy J. Ford

March 26, 2019
I strongly suggest you research and find another insurance company and skip the services provided by Healthy Paws!!! I had a plan with them, but I cancelled it. They didn’t bother to answer my calls, my emails or anything else. I always hit this wall named ‘tech problems.’ No follow-up, either. All for a small invoice error. I don’t want to picture how the process goes when your pet is sick!!!
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Carrie Lee

March 8, 2019
Healthy Paws comes with nice representatives, fast approval and a lot of attention to all you might need for your pet. I recommend them from all my heart!
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Jeffery Shelton

March 2, 2019
I don’t quite understand you people and why you give one-star reviews to Healthy Paws. I had my dog insured with them three years ago, and I can reassure you they are the most professional pet insurance company I’ve stumbled upon. I am so grateful that my partner and I chose Healthy Paws!
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Healthy Paws Company 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. Through their insurance coverage, they have 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, in spite of 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 their 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. In addition, 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.

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HealthyPaws Availability & Policy Options

Annual deductible options of:

  • $100
  • $250
  • $300
  • $750

*Freimebusement level options of:

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

HealthyPaws Pet Insurance Cost

Sample. Trupanion 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. Trupanion cat insurance rates

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

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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+
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