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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
    Mia Rivel 03/29/2016 at 5:24 am

    I love the idea of everything this insurance covers. I am in the process of buying another puppy and after having to put down my previous dog from being sick and we didn’t have pet insurance at that time, it just became really expensive. As you can imagine this was such a heartbreaking decision for me at the time. However, Healthy paws gives you a reasonably priced quote, depending on the cover you are looking for, for your pet and I feel more at ease knowing this time around I have cover for my beloved puppy.

  2. Reply
    Fran 04/03/2016 at 2:38 pm

    Healthy Paws does come highly recommended, good article people, this shows you just how much they offer. I know of quite a few people on the dog forums I frequent online who are with them.

    • Reply
      Pet Insurance U 12/06/2016 at 3:50 am

      Diana Healthy Paws is all about easy navigation and keeping with technology. We are just glad that you are using various ways to make it easy for you and your pet insurance needs.

      • Reply
        Pet Insurance U 12/02/2016 at 9:09 pm

        MisterDel, glad the reviews have intrigued you. At this time we do not offer any type of bonuses or promotions for switching. We do offer quality plans to fit your budget so let us know if we can assist you in your search.

  3. Reply
    Tony 04/08/2016 at 8:47 pm

    I found Healthy Paws Insurance, while looking for coverage for my
    dog Charlie, who needed some underwater therapy. I was amazed by their reasonably priced plans that they offer, and what all comes with each package. The alternative healthcare, along with the annual deductible, will surely help me to ensure that I can get the right amount of coverage necessary, and save some cash too. Finally, knowing that this company comes highly recommended, along with all their benefits makes this pet insurance the right choice for my pet at this time.

  4. Reply
    Anna 04/09/2016 at 8:57 pm

    When we adopted our dog, Smokey, from the shelter we thought his mixed-breed heritage (lab/Chow mix) meant he was going to be exceptionally healthy. We didn’t bank on him being accident prone, though! In the first 6 months we took him to the vet 7 times. I can’t imagine NOT having Healthy Paws. Smokey had a severe UTI from the shelter, two eye infections caused by an eye injury that ultimately led to surgery, and a tick-borne illness. We chose the higher deductible ($500), but have had 90% of his costs covered thereafter. The insurance plan even covered an out of town emergency. We were drawn to the company because of their BBB grade, and have been very happy with the service received. We would love if preventative medications were covered, like heartworm or tick, but fortunately those aren’t too expensive. Ultimately, Smokey is our baby, and with all of his issues so far, we are very happy to have found Healthy Paws and their unlimited coverage in case his accident streak continues!

  5. Reply
    AngNaomi 10/22/2016 at 6:53 am

    Healthy Paws insurance covers a lot! I like that Healthy Paws does cover congenital conditions. I also took notice of the various types of therapies Healthy Paws will cover. That is excellent!! There are many ways to nurse a dog back to health. Emergency visits are covered too and that is awesome!! When I was a kid we didn’t have insurance for our dog and my parents had to pay out of pocket when he had a reaction to his rabbis shot. Glad they could afford it however I know insurance would’ve been better!!

    • Reply
      Pet Insurance U 12/05/2016 at 10:01 pm

      Bronwyn great to hear that the article has assisted you in making Healthy Paws work for you. It is also refreshing to know that the alternative coverage is a part of your policy to take care of your dog and that this was a major selling point for you. Great to know that the article was a great resource in your decision making. Thanks for the feedback.

      • Reply
        Pet Insurance U 12/02/2016 at 9:20 pm

        We are glad that Healthy Paws has helped you and your pets in your healthcare search. Unfortunately, we do not offer any service to New Zealand at this time. We are truly sorry and we hope that in the future we can evolve to service internationally.

  6. Reply
    Erin Floyd Smith 10/27/2016 at 7:10 am

    Thank you for the great overview! Healthy Paws looks like a great pet insurance program. I like that it covers emergency services. I had a bunny pass away a few years ago because we couldn’t afford emergency surgery for him. I’m glad to know there are helpful alternatives out there.

  7. Reply
    umi sakinah jahari 10/27/2016 at 11:45 am

    I should have known the insurance sooner as it have no limits in their coverage (Illnesses, Accidents and etc.) and provide unlimited lifetime benefits. And looking at Free Alternative Care Coverage is and added advantage as well as this should come in handy when in time of need. i will pick Healthy Paws for a price of $35.55/month. As an owner of total of 2 kittens and 1 adult, maintaining with their emergency and their hospitalization fee takes quite a toll on me. One of my best cats died a while back. She was feverish and i just let her be, hoping she will get well again. After 2 – 3 days of fever, she started losing appetite, and then she became bedridden as half of her body was unable to move. That is when i realize she might be terminal. I rush to the hospital and the doctor said she had a heart attack and already paralyze waist down and was put to sleep the next day. With this, i become more conscious with the health of my entire pet. I would never miss to go to a doctor should my cats got sick. With this insurance, i just have to submit my claim and get reimburse. This is great.

    • Reply
      Pet Insurance U 12/05/2016 at 9:56 pm

      Jennifer thanks for friends right? Healthy Paws is all about tailoring plans that are right for you and your budget. We are glad you found what’s right for you

  8. Reply
    john 10/28/2016 at 11:46 pm

    I can’t stress enough how great of a company Healthy Paws is. My dog has had 2 surgeries (one to correct her constant urinary tract issues and a surgery for a torn ACL) and I’m so happy I had their insurance. The claims process is incredibly easy. You simply scan or photograph your bill through their phone app and within a week they review, process, and mail you a check! I even had a representative reach out to me to see how my dog was doing not long after her surgeries. It’s great knowing if my dog gets sick I won’t have to incur all the costs!

  9. Reply
    Sarah Bott 10/28/2016 at 11:47 pm

    I absolutely love Healthy Paws! My little boy Thorin had been very sick over the past couple months. It was nice to know that we had Healthy Paws and that we could leave him in the hospital where the experts could figure out what was wrong without freaking out about the cost. Our boy was discharged on Saturday and he racked up quite a bill! Within a couple of hours of submitting our claim, it was processed and approved. Thank you Healthy Paws for being there for our baby boy!

    • Reply
      Pet Insurance U 12/05/2016 at 9:53 pm

      Ivelina glad Healthy Paws is working for you and that you have recommended it to your mother-n-law. Healthy Paws offers comprehensive coverage and easy to navigate online. Right now, alternative care is great and becoming more socially acceptable. Thanks for the comment.

      • Reply
        Pet Insurance U 12/02/2016 at 9:23 pm

        Sarah we are glad Thorin is doing great and that your plan fits your budget. We are also glad we where able to get you approved same day so that Thorin’s hospital visit could be covered. If you ever have any other questions or concerns always feel free to let us know. We are here to help, once again we are glad you chose to get your pet covered.

        • Pet Insurance U 12/05/2016 at 8:26 pm

          Carlie, glad you are deciding to take this step, Healthy Paws has an annual deductible and covers many alternative treatment like: massage therapy, physical therapy, chiropractic care, acupuncture and underwater treatment. So glad Healthy Paws is at the top of your list.

        • Pet Insurance U 12/05/2016 at 7:34 pm

          Ang, that’s what we like to hear. Healthy Paws covers many conditions and while offering policies that are tailored to fit your budget not breaking the bank. Awesome to know that Healthy Paws has worked for you now.

        • Pet Insurance U 12/05/2016 at 7:58 pm

          Fran, yes Healthy Paws offers so much and more. Especially when it comes to their unlimited coverage, alternative care and emergency treatment. These are the many things that set Healthy Paws apart from the rest. Thanks for the feedback and continue to spread the word to your online friends.

        • Pet Insurance U 12/05/2016 at 8:02 pm

          Tony, it’s not easy choosing the right coverage as there are so many options to choose from. It great to hear that the alternative healthcare plan is the route you plan to go for you and Charlie.

  10. Reply
    LA PAK 10/29/2016 at 5:16 am

    I’m so glad I came across this information about Healthy Paws. All the dogs I have now are rescues and knowing that there are pet insurance companies who are founded on the bases to continue to help pets in need is invaluable in the mission to saving domestic animals who end up in shelters. I’m from NZ so wondered if they extend to our country? The fact that they have amazing reviews, customer satisfaction, reasonable prices and alternative healthcare is a seller for me. Just by looking at the sample policy provided on this page, it’s in a language I can actually understand. Fingers crossed that they service NZ.

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