Healthy Paws Pet Insurance Review

Our team researched Healthy Paws coverage, cost, and customer satisfaction scores.

We have rated it the best plan for 2019 and customers agree: from Yelp to member forums, Healthy Paws reviews are higher than any other plan.

  • Healthy Paws Yelp: 4.5 out of 5 stars from 252 pet parents
  • Better Business Bureau: A+ consumer grade
  • Trustpilot: 9.7 out of 10 from 155 Healthy Paws reviews
Healthy Paws Reviews
Paws Up
Unlimited lifetime benefits
Highest payouts
No claim limits
Paws Down
No optional wellness plan (but standard coverage includes alternative treatments)
$37 per month*
Rated #1 since 2013 for best coverage, price, and service

Our Final Grade

healthy paws pet insurance reviewsHow Our Ratings Work

What’s Covered

  • Accidents, Illnesses, & Cancer
  • Diagnostic Treatment
  • Hereditary, Congenital, & Chronic Conditions
  • X-Rays, Blood Tests, Ultrasounds
  • Surgery & Hospitalization
  • Prescription Medications
  • Emergency & Specialty Care
  • Alternative Treatments

How Does Healthy Paws Pet Insurance Work?

Healthy Paws is the only pet insurance company that provides unlimited lifetime benefits with an annual deductible. This means that there is no limit on the number of claims you can file, and no cap on reimbursements. Your pet is covered for any accident or illness, for life. Period.

Their policies cover all accidents and illnesses, and there are no restrictions for hereditary or congenital conditions, including cancer. The policy also covers emergency care, hospital stays, and surgeries. All of their plans cover up to 90 % of your veterinary bill and is based on actual costs.

With Healthy Paws, you can go to any licensed veterinarian that you choose. This includes specialists and emergency animal hospitals.  With Healthy Paws, you will have continuous, seamless coverage for the life of the policy.

Healthy Paws’ coverage also includes services like advanced testing, surgeries, prescription medications, as well as alternative therapies such as acupuncture, hydrotherapy and chiropractic care.  Alternative therapies can provide that extra care for injured pets or older cats and dogs. They are known to be very helpful for degenerative spine issues, neurologic disc problems, hip dysplasia, and cruciate ligament injuries, to name a few.

Hereditary & Congenital Conditions

Healthy Paws policies cover expensive congenital and hereditary conditions, like hip dysplasia and heart defects. Other plans often exclude these from coverage or “include” them in their plans but deny claims after a pet parent has spent thousands in vet bills.

Healthy Paws automatically reimburses congenital and hereditary condition diagnosis and treatment, with no hassle. It’s another important reason why Healthy Paws reviews are the best.

Other Conditions & Treatment

Healthy Paws coverage also includes:

  • Chronic conditions
  • Ear infections
  • Allergies
  • Renal failure
  • Cancer

These are ongoing and costly, but Healthy Paws will never deny a claim for treatment.

When your pet visits the vet for an accident or illness, Healthy Paws pet insurance pays for diagnostic treatment, testing, and prescription medications. If your pet requires surgery, they cover surgery and hospitalization. Puppy stepped on a bee? Emergency visits are included as well.

Additionally, if your pet needs specialist care for an illness like cancer, Healthy Paws coverage is there for that too.

Alternative Care with Healthy Paws Insurance

Healthy Paws is one of the only providers to cover alternative treatments at no additional charge.

Alternative treatments include acupuncture, chiropractor, physical therapy, and hydrotherapy. Other pet insurances charge extra for this type of coverage.

Unlimited Benefits

Healthy Paws is one of the few insurers that offer policies with no limits or caps, including annual, lifetime, or per incident caps.  While other pet insurance policies offer unlimited benefits, it typically is with their most expensive plans.

With Healthy Paws, the unlimited benefit option is included in their standard plan.

Some providers like Embrace only offer benefits up to $15,000 which can be limiting if your pet needs serious treatment as it is not uncommon for a medical bill to be as high as $20,000.

As with other pet insurance policies, as long as the condition your dog or cat is being treated for is not a pre-existing condition, they will pay even your entire bill, no matter what the cost.  At the facility or doctor of your choice.

Healthy Paws Reimbursement Method

An important distinction between Healthy Paws and other providers is the reimbursement method.

Healthy Paws reimbursement is based on the actual veterinary bill. Some plans reimburse you according to a benefit schedule or “usual and customary” vet costs, which is usually based on the national average cost.

Let’s say you paid a $500 vet bill to treat your dog’s ear infection:

  • Your pet insurance reimburses according to a benefit schedule
  • The benefit schedule indicates that $300 is “usual and customary” to treat a dog ear infection
  • You chose 90% reimbursement when you enrolled, so your pet insurance will reimburse you 90% of $300, so $270. But you paid $500. That’s almost half of your out of pocket cost!

With Healthy Paws coverage, you would be reimbursed based on the $500 vet bill: 90% x $500= $450. Now that’s more like it! Makes sense why Healthy Paws insurance reviews are the best, right?

Annual Deductible

Annual deductibles mean that you only have to meet your deductible once per year.

Other plans have per-condition deductibles, so you have to meet your deductible each time your pet has an accident or gets sick. This ia s huge cost savings for you, and just one of the reasons that Healthy Paws pet insurance reviews are the best, 4 years in a row.

Healthy Paws allows you to choose the deductible that works the best of you and your needs.  Deductibles can be set at $100, $250, and $500 (the highest).

Therefore, if you choose the $100 deductible you’ll get a higher payout per incident, but you are going to be paying a higher monthly premium as well.  It just depends on your needs and what you anticipate for your dog or cat in the coming year.

How Much Does Healthy Paws Pet Insurance Cost?

Healthy Paws plans are reasonably priced plans when you take into account that they have no limits of any kind and offer a customized payout percentage and deductible model.

The company also offers a variety of different discounts, including special rates for members of AARP, AAA, Costco and more!

Some of the other groups that they give a 10% lifetime discount are the following:

  • Animal Welfare Volunteers
  • Association or Alumni Organizations
  • Membership groups such as AAA, AARP, and Costco
  • Military service.

They offer a 15 % lifetime discount for employer sponsored plans.

The average starting premium for dogs is $32.80 and for cats is $17.19.  Of course, it depends on other variables such as your dog or cat’s age, where you live and the breed.  And, which policy you choose.

Claims Process

Healthy Paws is one of the only pet insurance companies to fully automate its claims process online.

To file a claim, you simply visit the claims portal website or download the app on your smartphone. They have a high claims approval rating and fast turnaround time for reimbursements.

Healthy Paws pet insurance is the most reliable partner to help you pay for your pet’s health care.

Enrollment & Waiting Period

Healthy Paws starting age for pets is eight weeks and older.  They do have an upper age of coverage which is 13 years old.

Healthy Paws has a 15 day waiting period for accidents and illnesses. The waiting period for hip dysplasia is 12 months.

Healthy Paws pet insurance requires a full physical exam of your pet by a licensed veterinarian in order to be eligible for coverage.

No additional diagnostic testing such as x-rays or blood work is required. The timeline of this exam will depend on your pet’s age at the time of enrollment.

For pets younger than 6 you’ll have to provide documentation of a complete physical within the last 12 months. Pets older than 6 must have had a complete examination within the last 30 days.

Healthy Paws does not require any medical records or proof of enrollment exam before submitting your first claim. When you file your first claim, they will then need a copy of your pet’s full medical history, including documentation of the enrollment exam.

Save with Our Healthy Paws Promo Code!

We want your pet to have the best health insurance, so we’ve partnered with Healthy Paws to offer you a 10% discount on your monthly premium, for as long as you have the plan!

To redeem your Healthy Paws pet insurance promo code, click here or on any of the buttons on this page. The discount will automatically apply at checkout when you enroll for a new Healthy Paws policy.

What Do Healthy Paws Customers Say?

Consumers Advocate Rating: 9.8/10 (609 Healthy Paws reviews from customers)

According to customer reviews of Healthy Paws pet insurance, 9 out of 10 pet owners who purchase a policy are very satisfied with their coverage and with the customer service. Among the large volume of reviews of Healthy Paws, here are a few common reviews we see.

“Healthy Paws is the best pet insurance, hands down.”

Healthy Paws has been amazing to have for my two-year-old puppy, who has had his share of medical mishaps. The peace of mind I have knowing that my dog is protected is wonderful, and I recommend Healthy Paws to every pet parent I meet. One of the best decisions I’ve ever made for my dog.

“Wonderful Pet Insurance.”

I’ve never reviewed any insurance company before. But Healthy Paws has been so good to my accident-prone German Shepherd that I had to write this. They respond to claims immediately and pay everything as promised. Such a relief dealing with a company who treats my dog’s health as the highest priority.

“Healthy Paws took great care of my Golden Retriever.”

Everything from the conduct of the attendants to the review and processing of customers’ information is handled with professionalism and a minimum of hassles.

“Thank you, Healthy Paws, for coming through for my puppy’s emergency.”

Healthy Paws pet insurance has been recognized over and over as the very best. It offers extensive coverage, with unlimited benefits for your pet’s lifetime, unlike just about every other pet insurance provider.

“Healthy Paws was a breeze to set up and easier to deal with for claims.”

Healthy Paws’ app, website, and email and phone support make it easy to access profiles and to receive the help you need with your policy and your claims. Thanks to the company’s flexible hours, there are also plenty of opportunities to get in touch with their representatives. The one drawback seems to be that the mobile app is only available to Apple users.

“Reimbursement for my Dachshund’s $3400 surgery took just 3 weeks.”

The process of filing a claim couldn’t be easier. Either fill out the short, easily accessible form, take a snapshot of the invoices and submit them through the app, or alternatively send scans of the invoices through email. After that, the claims are processed as quickly as possible.

“Their policies are easy to understand and coverage is flexible.”

The fact that the reimbursement level and deductibles can be adjusted to meet individual preferences is a big advantage; with Healthy Paws, flexibility is a given.

Healthy Paws Gives Back

A portion of your monthly premium benefits their Foundation, which donates a significant portion of the company’s profits to provide medical care for homeless pets.

Steve Siadek, the company’s founder, spoke with us for almost an hour to answer all of our questions about Healthy Paws.

Prior to founding the company, Steve managed a no-kill animal shelter.

His energy and compassion for helping animals is reflected in the outstanding Healthy Paws reviews from customers and veterinarians.

Healthy Paws Highlights

  • Rated #1 in 2013, 2014, 2015, & 2016
  • The only pet insurance to offer unlimited lifetime coverage with an annual deductible
  • Profits benefit the Healthy Paws Foundation that provides vet care for homeless animals

Healthy Paws vs Trupanion

When we reviewed Healthy Paws vs Trupanion, we found that they have similar coverage. However, there are a few differences between their policies, and they all affect cost.


Winner: Healthy Paws

Healthy Paws has an annual deductible. Trupanion has a per-condition deductible. What does this mean? Here is a simple breakdown:

  • Annual deductible: you pay one deductible per year
  • Per-condition deductible: you pay one deductible per accident or illness

For example:

In March, your puppy chews up a toy and swallows a piece of rubber that must be surgically removed (ouch!). Then in June, he gets an ear infection (poor guy!).

If your puppy is covered by Healthy Paws and you chose a $250 deductible when you enrolled, you would meet your $250 deductible for the toy accident surgery and have a $0 deductible for the ear infection and anything else that happens that year.

If you enrolled in Trupanion and chose a $250 deductible, you would have a $250 deductible for the surgery, a $250 deductible for the ear infection, and a $250 deductible for any other accident or illness your puppy has. These add up fast!

Our Healthy Paws pet insurance reviews factor in how much you save on deductibles compared to other companies. That’s why we rate them #1.


Winner: Healthy Paws

Another important difference between Healthy Paws and Trupanion is price. We looked at sample quotes from Healthy Paws vs Trupanion to compare monthly premium prices.

For a 3 year old, neutered Lab living in southern California ($250 deductible and 90% reimbursement):

  • Healthy Paws cost: $56.70/month
  • Trupanion cost: $105.19/month

That’s almost double the cost for the exact same options! And the extra cost doesn’t get you or your pet any additional benefit, because Healthy Paws coverage is better than Trupanion.


Winner: Healthy Paws

Despite the huge price discrepancy, both companies offer similar coverage. But there is one key difference that may be essential for some pet parents: complementary medicine coverage.

Healthy Paws coverage includes alternative treatments, like acupuncture and physical therapy, at no extra charge. Alternative care comes standard with every Healthy Paws pet insurance policy.

Trupanion also covers alternative care but only if you add the “Complementary and Recovery Care Rider” to your policy. In the example of the 3 year old Lab that we used earlier, the optional alternative care feature would increase the monthly premium to $118.65.

As you can see, the cost savings of Healthy Paws vs Trupanion are significant. These 3 major cost differences are another reason why Healthy Paws pet insurance reviews are consistently the highest in the industry.

Healthy Paws vs Other Pet Insurance

  • Healthy
  • Embrace
  • Pets Best
  • Pet First
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+


Healthy Paws is Rated #1

Healthy Paws reviews made it the #1 pet insurance in 2013, 2014, 2015, and 2016.
The average customer rating is 9.8 out of 10.

Questions About Healthy Paws Pet Insurance?

Where Do I Find Healthy Paws Promo Codes And Discounts?

There are several ways to save, including discounts for AAA members, friends, and family of existing members, and multiple pet savings. We offer a Healthy Paws promo code link that gives you 10% off the cost of your policy for as long as you have it!

What Does Healthy Paws Cover?

Any illness, accident, or injury is covered by Healthy Paws insurance. Surgery, hospital visits, medications, blood tests, x-rays, and other life-saving medical treatments are all paid for with Healthy Paws coverage.

Are There Any Types Of Limits On Coverage?

Healthy Paws pet insurance reviews are highest because there are no annual or lifetime limits on coverage. You can submit unlimited claims for any dollar amount, as long as your pet is enrolled. Like all pet insurance companies, Healthy Paws does not cover pre-existing conditions.

Are Hereditary And Congenital Conditions Covered?

Congenital conditions are birth defects and hereditary conditions passed down from your pet’s parents. These conditions can be expensive and difficult to treat, and may not show up until your pet is into adulthood. Healthy Paws coverage has no restrictions on congenital and hereditary health coverage. There is a standard 365 day waiting period for hip dysplasia.

What Is Not Covered?

Healthy Paws policies don’t cover routine care and regular veterinarian visits. Flea prevention, heartworm treatment, dental care, and behavioral modification are examples of excluded treatments. Excluding preventative care keeps the cost of insurance low, and cost is just one of the reasons why Healthy Paws reviews are consistently the best.

How Does My Pet Qualify For Coverage?

If your pet is under six years old, a copy of its most recent veterinary visit is all that is required. For pets six years and older, a veterinary examination performed during the past 30 days will be needed. If you don’t have the necessary veterinary records, you will need to have your pet examined before being approved for coverage.

How Do I Contact Healthy Paws?

For claims, you can email [email protected] or fax: (888) 228-4129. You can send a letter or submit your claim by mail at Healthy Paws Pet Insurance, P.O. Box 50034, Bellevue, WA 98015.

How Long Is The Waiting Period?

Your coverage begins at 12:01 a.m. on the day after enrollment. For accidents and illnesses, the waiting period is 15 days after you enroll. For pets younger than six years old, there is an additional 12 month waiting period for hip dysplasia.

How Do I Cancel My Coverage?

You may cancel your policy anytime by calling customer service at 1-855-898-8991.

How Do I Get A Quote?

Instantly get your free pet insurance quote from Healthy Paws and you’ll also activate an instant lifetime discount if you choose to enroll.

Does Healthy Paws Have An App?

Yes, Healthy Paws offers a free mobile app that lets you submit claims, update photos, update billing information, check the status of claims and review your policy. You can download the Healthy Paws App for iOS or get it on Google Play.

What About Customer Complaints?

Healthy Paws reviews from real customers are mostly singing their praise. However, we did find a few negative Healthy Paws reviews. On Rip Off Report, one customer had trouble canceling his policy.

Other customers complained about conditions not being covered or reimbursements being refused because they were pre-existing.

What Do Other Review Focused Companies Say?

Looking for even more perspectives? Smart move!

Don’t just take our word for it, check out the well-regarded company, Consumers Advocate, for an alternative review of Healthy Paws pet insurance.