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Healthy Paws Pet Insurance Review for 2020

Our team has researched the coverage, cost, and customer satisfaction scores of the nation’s top pet insurance providers.

Healthy Paws Pet Insurance received our award for The Best Plan for 2020 and customers agree: from Yelp to the Better Business Bureau, Healthy Paws reviews are higher than any other pet insurance plan.

If your interested in learning more about Healthy Paws, our complete review has all the information you need.

Table of Contents:

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FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Healthy Paws Pet Insurance

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

Healthy Paws is Rated #1

Healthy Paws was the #1 pet insurance provider in 2017, 2018, and 2019.

The average customer rating is 9.8 out of 10.

  • 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

  • Rated #1
  • Unlimited Benefits
  • No Restrictions for Hereditary/Congenital Conditions
healthy paws pet insurance

4.9 out of 5

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What’s Covered with Healthy Paws?

With Healthy Paws, you can go to any licensed veterinarian that you choose. This includes specialists and emergency animal hospitals.

90 % of your veterinary bill is covered with every plan and is based on actual costs.

Healthy Paws Pet Insurance covers the following:

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

Alternative Therapy

Healthy Paws’ coverage also includes services like advanced testing, surgeries, prescription medications, as well as alternative therapies such as:

  • Acupuncture
  • Hydrotherapy
  • 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
  • Cruciate ligament injuries

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 Covers Costly Treatments

Healthy Paws coverage also includes:

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.

Real Cost Savings from Healthy Paws Clients


Healthy Paws saved his parents


Samson tore his ACL in a lively game of fetch. After surgery and rehab, Samson is back to his playful self and never turns down a game of fetch!

Healthy Paws Offers Unlimited Benefits

Very few insurers offer no limits or caps on their policies, but this is one of the features that sets Healthy Paws apart.

Also, other pet insurance providers will only offer unlimited benefits on a Cadillac level policy. This is not true with Healthy Paws who offers the no limits benefit on 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 plans, they will pay the entire bill, no matter the cost, as long as the condition is not pre-existing.  At the facility or doctor of your choice.

Healthy Paws Reimbursement Is Based On The Actual Vet Bill

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?

Related: 10 Things You Must Know Before You Buy Pet Insurance

How Much Does Healthy Paws Pet Insurance Cost?

When you look at the benefits of no limits, deductibles, and a customized payout percentage, Healthy Paws plans are well priced.

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.

Employer-sponsored plans enjoy a lifetime discount of 15 %.

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.

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 on any of the buttons on this page. The discount will automatically apply at checkout when you enroll for a new Healthy Paws policy.

Healthy Paws

Receive a 10% discount on your monthly premium with Healthy Paws.

healthy paws pet insurance

4.9 out of 5

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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 give you the option to choose from multiple deductibles. This gives you a level of customization to your specific financial needs.  Deductibles can be

  • $100
  • $250
  • $500

Just like other insurance, the higher your deductible the lower your monthly premiums.  It just depends on your needs and what you anticipate for your dog or cat in the coming year.

Enrollment & Claims Process

Pets eight weeks and older are eligible for coverage, while 13 years old is the upper age of coverage.

Healthy Paws has two waiting periods with their policies:

  • 15 days for accidents and illnesses
  • 12 months for hip dysplasia

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.

Real Cost Savings from Healthy Paws Clients


Healthy Paws saved his parents


Artemis had a severe ear infection and needed to visit both the regular vet and a specialist, multiple times. After medication and a few follow-up visits, she recovered well and is now doing great!

The Claims Process with Healthy Paws is Fully Automated!

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.

Healthy Paws Customer Reviews

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 typical reviews:

“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 vs Other Pet Insurance Providers

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 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

  • Rated #1
  • Unlimited Benefits
  • No Restrictions for Hereditary/Congenital Conditions
healthy paws pet insurance

4.9 out of 5

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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 with Healthy Paws?

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.

  1. Reply
    MisterDel 10/31/2016 at 2:17 pm

    Loved reading the reviews, thanks! Just wondering if you run any bonuses or promotions for switching pet insurers? I am unhappy with my current insurance, wont name the company, but they have really disappointed me. Is the process very streamlined?

    • Reply
      Pet Insurance U 12/05/2016 at 9:47 pm

      Snisu Healthy Paws offers various policies that cover many treatments for event the most repeated medical problems. Hopefully your Vizsla will get better soon and once again thank you for the feedback.

    • Reply
      Fran 04/03/2016 at 3:46 pm

      Second comment I have read about someone having a Vizsla – do you find they have recurrent problems?

      • Reply
        Pet Insurance U 12/05/2016 at 10:10 pm

        Adam, right now alternative treatment seems to be the rave not just for humans but also our pets. That’s why Healthy Paws covers alternative treatments because they understand that sometimes natural methods are better ways to go than major surgery, or medication. Just another way Healthy Paws differs from others and is one of the top companies in the industry. Again, we are glad your dog is better and that you found the right coverage for you. Thanks for the feedback!!!

  2. Reply
    Stalwart Stalwart 11/04/2016 at 3:34 pm

    Healthy Paws is truly an insurance company with integrity, which is more than I could normally hope for from any insurance company.

    Healthy Paws is truly an insurance company with integrity, which is more than I could normally hope for from any insurance company.

    My husband and I adopted a 5-month old English Bulldog from a rescue (not our first bulldog, so we had an idea of what we were getting into)… Wrigley, poor thing, has been beset with quite a laundry list of maladies, many of which are due to poor breeding practices and are congenital (i.e. not likely to go away soon). Wrigley has been in and out of the hospital several times in the last year and a half, and has shown to be the happiest little trooper out there; as long as he wants to keep on and is happy about it, we’ll do what we can.

    We chose Healthy Paws, because we’d read reviews that they offer some of the most comprehensive pet insurance companies out there. Thanks for sharing.

  3. Reply
    Sunny 11/06/2016 at 1:08 am

    Great overview! I love that it goes over all the facts about Healthy Paws, rates, comparisons, and even reviews. It looks like a great, reliable pet insurance that I’d be able to put my trust into. And cheap! It’s amazing that they can offer so much for so little! They must really be pet-loving people, and understand what it’s like when your precious little pet gets into an accident… Thanks Healthy Paws!

  4. Reply
    jon terns 11/14/2016 at 12:45 am

    After just finding your site, I am finding that it is going to be more than helpful in my search for pet insurance. I really like the way you review the insurance companies and give them a star rating. That makes it easier for me to compare them side by side and find the right one for me.

    • Reply
      Pet Insurance U 12/05/2016 at 9:42 pm

      J.Paul that’s awesome to hear that your research has worked out in you and your pets favor. As, new information comes available so do various alternative treatments like acupuncture which is covered in the policy. Healthy Paws seems to try to stay ahead of the game. Thanks for the comment.

      • Reply
        Pet Insurance U 12/02/2016 at 9:25 pm

        John Healthy Paws does care and customer service is everything. We hope that we can continue to provide you with that quality service that you and your pet deserve. We are glad everything turned out okay and if there is ever anything you need let us know.

  5. Reply
    Bree 11/14/2016 at 1:06 am

    Healthy Paws sounds like the best of the best! The fact that the reviews here are posted by a vet makes it even more appealing as I know that I will be getting useful information and I will be able to find a dependable pet insurance company for our cats. Healthy Paws is more expensive than we would like, but quality does cost money.

  6. Reply
    ABDULLAH AL NOMAN 11/17/2016 at 10:23 pm

    Excellent initiative!!! Healthy Paws means a lot us.As while we are looking for adopting a pet, firstly it comes to our mind about a safe and secure future for it. really we are glad to know that there are some innovative pet insurance companies who are established on the aim to continue to help pets .in deed its vision has a far better reaching concept in future.Thank you Healthy paws !!!

    • Reply
      Pet Insurance U 12/05/2016 at 9:38 pm

      Rok, good to know that we have helped in your research and you have found an insurance that works and is affordable. We also appreciate how you would recommend this to dog owners to expand educating efforts on pet insurance. We are happy about the decision you have made and hope you continue to recommend the information provided. Thanks again!!

  7. Reply
    Marion 11/19/2016 at 1:29 pm

    I want just the best for my dog. He really is my best friend. I am amazed that there is a full covered insurance which also allows me to try alternative methods to help him if he is in need. Massage therapy and underwater therapy sounds very innovative to me.

  8. Reply
    Stacy Karyn 11/20/2016 at 1:33 am

    Wow!! Massage therapy, acupuncture, and chiropractic care? I wish my own insurance covered these types of services! Sounds like Healthy Paws beats out the other competitors by quite a bit.

    • Reply
      Pet Insurance U 12/05/2016 at 9:33 pm

      Fedra, there has been lots of research that cites the benefit of alternative treatment for ear problems in pets. It’s just great to know that in your research Healthy Paws is right for you. Good to know that you feel comfort in the decision you have made. Thanks for the input.

      • Reply
        Pet Insurance U 12/05/2016 at 7:16 pm

        Umi, we are so sorry to hear about the loss of your cat, we understand how tough losing an animal can be. However, Healthy Paws does allow you to maneuver easily with each policy allowing for a smooth process no matter the situation. Again, it’s great to hear that Healthy Paws has allowed you to become more conscious of certain things.

        • Pet Insurance U 12/05/2016 at 8:40 pm

          Mia, it is completely understandable of how expensive insurance can be for your pet. The good thing about Healthy Paws is the way you are able to tailor it to fit your pets needs. They offer many diverse plans that fit your budget from the very expensive to low, whatever you are looking for they will try their best to match it for you. Glad to hear you have found something that is right for you and your

  9. Reply
    Kelly 12/25/2016 at 8:13 pm

    If I join this insurance and I have a 6 month old puppy that I just recently purchased from a breeder who was feeding her victor a brand that was too high in protein for her which caused a UTI. She was treated by my vet with antibiotics and when I took her back she still had a small amount of pylori (bacteria) with crystals. Will I still be covered for anything that has to do with her urinary tract or is this a preexisting as he said it was from her food which I changed not her system.

  10. Reply
    Ceecee Chen 03/08/2017 at 4:57 am

    I had the insurance policy for one month, 80% coverage with hundred dollar deductible. I knew that their effective eligibility date was 15 days from signing up, but they did not say that that begins the day after you sign up. So about two weeks after he signed up, after I thought he passed the waiting period, he had some diarrhea, so I took him to the vet and had him seen, $300 charge. I had to wait two weeks to get an answer on my claim from Healthy Paws, and they said that he was not covered because his symptoms began one day before the waiting period expired! According to them, the coverage began on the day that I saw the vet (but he started having symptoms the night before), but I contested this because it was not clear. Plus, they were supposed to have a 30 day moneyback guarantee and I was canceling my policy within that time period. But guess what, that is only if you don’t file a claim. In other words, you only get all your money back if you never even tested out their service AND cancel the first month you have it… makes a whole lot of sense, right?? So, I got nothing for my trouble, I had to pay $54 nonrefunded for nothing, plus I had to pay the full vet fee because he got his first symptoms one day before they said the period ended. Incredibly petty and bad company. Don’t deal with them.

    • Reply
      Pet Insurance U 03/21/2017 at 3:17 am

      Ceecee, we’re very sorry to hear about your experience with Healthy Paws, and we will factor it into our pet insurance reviews. We hope your puppy is feeling better. If you have any questions about other pet insurance companies, please let us know!

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