Is Healthy Paws The Best Pet Insurance Provider?

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Dog's paws in sand (text in image: Healthy Paws pet insurance review) Healthy Paws is committed to helping homeless pets — so much so, they’ve donated nearly $836,000 in grants to more than 250 non-profit organizations. A great selling point for a pet insurance company, for sure.

But is Healthy Paws worthy of insuring your beloved pet? How does its coverage, service and cost compare to other top pet insurance companies?

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Article Overview

Healthy Paws

4.65 / 5
Healthy Paws
Policy Coverage 4.3
Customer Service & Reputation 4.8
Timeliness of Claim Payment 4.8
Price of Policy 4.8


  • Annual deductible (not per incident)
  • Unlimited lifetime coverage so no annual or per incident limits on claims
  • Pricing is generally the best value vs competition
  • Your pet is covered when they travel with you in the United States or Canada
  • High customer satisfaction
  • Easy to submit a claim on the Healthy Paws app for quick claim reimbursement
  • BBB rating: A+
  • Great email response time
  • Good CCL (ACL) coverage
  • Direct deposit or check reimbursement


  • Veterinary exam fee and behavioral therapies are not covered
  • Excludes hip dysplasia in animals enrolled after age 6, so this might not be the best option for large breeds that are older than 6. There is also a 12-month waiting period.
  • There are age restrictions (if pet is older than 6, you must have vet exam within past 30 days for enrollment or within 15 days of policy issuance)
  • Pets older than 8 years old are restricted to 60% reimbursement and a $750 annual deductible
  • 15-day waiting period for accident and illness
  • No wellness plan
  • Charges a one-time $25 fee
  • Can't enroll pets over 4 years old in NY

Key Features

Healthy Paws App Screenshots

  • Underwriter: Westchester Fire Insurance Company/Chubb
  • Has one bilateral exclusion (a condition or disease that affects both sides of the body): pre-existing cruciate ligament problems to one leg as respects to the cost of future treatment for problems of the other leg
  • Must file claims within 90 days of the date of service, and they process 99% of claims within 2 days
  • Policyholders can opt for direct deposit instead of a hard copy check
  • With approval from Healthy Paws and the clinic, on a claim-by-claim basis, Healthy Paws may be able to pay your clinic directly. This means you don’t have to pay a hefty vet bill in advance and wait for reimbursement (check with your vet — not available everywhere).
  • Can transfer your policy without a lapse in coverage to someone else if the pet parent becomes unable to care for the pet. The new policyholder will pay the same amount, and there will be no newly added pre-existing conditions.
  • Submit claims through the app (download the iOS app for free via this link or the Android app here) or online customer center
  • 30-day free look period (similar to a money-back guarantee)
  • AAA and AMAC member discounts may be available

Exam Period

  • Dogs younger than 6-years-old must have visited the vet in the last 12 months or go within 15 days of policy issuance
  • Dogs older than 6-years-old must have been to the vet in the last 30 days or go within 15 days of policy issuance

Pre-Existing Conditions

Defined by Healthy Paws as:

a. an illness or the recurrence of any illness or condition which first occurred or displayed any signs and/or symptoms consistent with the stated illness or condition prior to the pet policy effective date;
b. an injury or recurrence of an injury that occurred prior to the pet policy effective date; or
c. any condition or complication resulting from an illness or injury that occurred prior to the pet policy effective date.

Customer Service HoursHealthy Paws Waiting Period Chart

  • Email: 24/7
  • Phone: Monday – Friday from 6am to 6pm PST and Saturday – Sunday from 8am to 5pm PST

Waiting Periods

  • 15 days: Illnesses
  • 15 days: Accidents
  • 15 days: Cruciate ligament events (bilateral exclusion for pre-existing cruciate ligament injuries and lameness)
  • 12 months: Hip dysplasia

There are no waiting periods for New Hampshire and Maryland.

What Does Healthy Paws Cover?

Services included are not limited to this list and are subject to change.

CoveredNot Covered
SurgeriesPre-existing conditions
HospitalizationVeterinary exam fees
CancerPreventative care (vaccines, flea control, heartworm medication, dental health care, grooming, anal gland expression, spay and neuter)
Prescription medicationsBehavioral modification
Diagnostic treatment and testing (x-rays, blood tests, ultrasounds, etc.)
Congenital conditions
Hereditary conditions
Specialty Care
Emergency care
Alternative treatment

Is Hip Dysplasia Covered?

Dog in wheelchair on beach: Canine Hip DysplasiaHealthy Paws covers expensive hereditary and congenital conditions if your vet hasn’t noted associated clinical symptoms before you purchase a policy. Still, you must enroll your dog for Healthy Paws pet insurance before the age of 6 for you to take advantage of this coverage. Healthy Paws DOES NOT cover hip dysplasia for dogs enrolled after the age of 6.

Healthy Paws also has a 12-month waiting period for hip dysplasia coverage from the date you sign up.* This applies as long as there’s no prior related medical history for this condition. Check out our hip dysplasia article to learn more about this condition.

*Both New Hampshire and Maryland remove the 15-day waiting period and the 12-month hip dysplasia waiting period. New Hampshire retains the hip dysplasia age limitation for coverage. Maryland does not have this age limitation.

Is My Dog Eligible For Healthy Paws?

Is My Dog Eligible For Healthy Paws graphicAll dog breeds are eligible for Healthy Paws’ no-caps-on-claim payouts. Dogs between the ages of 8 weeks and 14 years are eligible to enroll, and your dog has coverage for the lifetime of the policy.

Healthy Paws has some restrictions on reimbursement and annual deductible amounts depending on your pet’s age at enrollment.

  • Dogs and cats 5 years and under:
    • 90%, 80% and 70% reimbursement
    • $100, $250 and $500 deductible
  • Dogs and cats 6 and 7 years old:
    • 80%, 70% or 60% reimbursement
    • $250, $500 or $750 deductible
  • Dogs 8 years and older: 
    • 60% reimbursement
    • $750 deductible

Pricing Quotes

See the table below for examples of quotes from Healthy Paws. You can get personalized price quotes for your pet(s) from Healthy Paws and several other top-ranked companies when you fill out our short quote form.

Remember though that Healthy Paws is the only company that offers unlimited coverage. We believe it’s the best choice if you’re opting to get pet insurance since it covers you in just about any new situation. However, pricing may be slightly higher for Healthy Paws since you receive more complete coverage.

BreedLabrador RetrieverEnglish Cocker SpanielGerman ShepherdYorkshire TerrierYorkshire TerrierMixed Breed Cat
Boy or GirlBoyBoyGirlBoyGirlGirl
Age2 years8 years4 years2 months2 months2 years
(zip code: 33601)
(zip code: 60290)
(zip code: 90001)
New York
(zip code: 10001)
(zip code: 33601)
Washington D.C.
(zip code: 20001)
Price Per Month$44.86$52.57$71.63$33.82$31.87$18.13
Reimbursement Level80%50%90%80%80%80%
Annual Deductible$200$1,000$500$250$200$250

Also, visit our pet insurance quotes page to see how the cost of Healthy Paws stacks up against the competition.

Coupon Code

Use this link and you will automatically receive up to a 5% discount. The actual discount varies based on individual state regulations. You can also visit our dedicated HealthyPaws promotions page to discuss current offers.

How Is Reimbursement Calculated?

Reimbursement is determined by taking the total of the covered treatments and multiplying that by your chosen reimbursement rate. The annual deductible is then subtracted. Here’s an example for someone with a 90% reimbursement and $100 deductible:

$1,200 (covered treatments) x 90% (reimbursement level) = $1,080
$1,080 – $100 (remaining annual deductible) = $980 reimbursement amount

Healthy Paws’ deducible is annual, which means it only needs to be satisfied once per policy year. It resets on the anniversary of your pet’s enrollment.

Reimbursement Story

  • Dog: Charlie, miniature Dachshund
  • Diagnosis: Intervertebral Disc Disease

Dachshund looking out windowJordan, Charlie’s pet parent, knew something was wrong with Charlie when he didn’t greet her when she returned home as usual, so the next day they went to a vet for neuro and orthopedic exams. They both came back normal.

The vet took knee and hip radiographs, which also came back normal. Jordan worked at the vet’s office and knew that Dachshunds were prone to back problems, so she requested a second neuro and orthopedic exam. This time, he failed both.

Charlie was unable to walk by this time so Jordan rushed him to the emergency hospital where she was told it was intervertebral disc disease. They started him on a pain regimen, and things got worse overnight. Charlie was prepared for anesthesia and had an MRI which identified where his discs herniated into the spinal canal. Fortunately, the damage was corrected in surgery.

After weeks of physical therapy and about 2 years later, Charlie is about 90% recovered. He still receives maintenance therapy every 2 weeks but is running around like a puppy again.

  • Treatment Cost: $12,085
  • Healthy Paws Reimbursed: $9,168
  • Final Cost For Pet Parent: $2,917 ($250 deductible, 20% copay)

Customer Opinions

Positive Reviews

It was a huge relief to have Healthy Paws insurance. They paid accurately and on time. It is hard enough to have a pet go through something like this, and knowing that we had insurance to help with expenses made it more bearable. – E.F., BBB 11/18/2019

My wife and I are so extremely thankful to all of you at healthy paws. It means such a great deal to us that for the most part, we will never have to make the hard decision of choosing between trying to avoid difficult financial hardship and our dog Monkey’s well being. This especially rings true to us because a friend of ours had to deal with those circumstances recently and unfortunately, to poor results. Even though the complexities of health insurance may escape Monkey, it certainly does not escape my wife and I. Monkey is well loved and cared for and that is due in part to all of you at healthy paws. – John S., Yelp 10/2/2019

Negative Reviews

My pet was fully examined and declared to be healthy when I took possession of her from her rescue. I signed up for Healthy Pets and they asked for her medical records and I sent her the FULL packet from her vet. Healthy Pets said great!!! Thanks that is everything we need to cover her, after her waiting period she is covered for everything blah blah blah. Fast forward to now when I have my first vet visit with her and reason for claim. Their reponse? “You aren’t covered because we haven’t received your medical history from your vet! Nah, nah, nah, nah, nahhhh, NAH.” (keep in mind that anytime you interact with them after you are a paying customer you have to wait almost 2 weeks for a reply or sit on hold for over an hour.) So I explain that she was healthy during her last full exam, nothing has changed and she hasn’t been to the vet BECAUSE SHE HAS BEEN HEALTHY. Too bad!!!! they say, now she is never covered for any future back issues (she threw out her back after hiking with us) because apparently you have to go to the vet and pay for nothing even with a healthy pet for them to cover anything. Also they won’t even cancel my policy, they write back (after 2 weeks as is their MO) and keep making you jump through hoops. $40 a month wasted since signing up for NOTHING. AVOID THIS COMPANY at all costs. – K.M., BBB 10/7/2019

I just cancelled. I had one more pet on my policy and now I have none. I got a notification that my insurance was going to increase yet AGAIN in the next 90 days. My cat just turned 6 and what started as a 21.00 monthly, now costs more than my own health insurance. They hook you with low rates and increase the premium substantially over time to recoup the cost for the initial low rates. With their declining customer services, as you can see in my previous review and some of the other customer reviews, it’s time to cancel. I hope they see these bad reviews and improve for the sake of other pet owners. – Shanny L., Yelp 10/15/2019

How Did Healthy Paws Help Baxter & His Pet Parents?

Cancer is the highest disease-related cause of death for pets each year, making up almost 50% of the total. Unfortunately, Baxter’s cancer diagnosis meant his owners needed help financially. See how Healthy Paws helped this family in a time of need.

How Does Healthy Paws Compare?

Visit Healthy Paws Website

Healthy Paws has a history of excellent customer service, an annual deductible (vs per incident) and unlimited lifetime benefits with every policy. When you sign up for your initial plan, you choose your yearly deductible and the percentage of the vet bill for reimbursement.

If you’re still not sure if Healthy Paws is the right pet insurance provider for you, you’ve got lots of options, and you should always get multiple quotes to compare coverage and costs to find the best value for your family.

Our best pet insurance article compares Healthy Paws against many other providers to help you determine the best fit for you. If you’re thinking about getting pet insurance but still have some unanswered questions, feel free to ask us. We’re here to help you and your pets live a better, less stressful life.

Do you have any questions about Healthy Paws and what they cover?

About The Author:

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories and more. Her natural curiosity helps her research as she seeks the truth when learning about, comparing and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs.

Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child. In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly's research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today.

One of Kimberly's favorite pastimes is spoiling Sally with new toys, comfy beds and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs, and knows the bond between humans and canines is like no other.

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.
Disclaimer: The information provided through this website should not be used for diagnosing or treating a health problem or a disease. It is not a substitute for professional care. If you have or suspect you may have a health problem, you should consult your health care provider.

Disclaimer: This website contains reviews, opinions and information regarding products and services manufactured or provided by third parties. We are not responsible in any way for such products and services, and nothing contained here should be construed as a guarantee of the functionality, utility, safety or reliability of any product or services reviewed or discussed. Please follow the directions provided by the manufacturer or service provider when using any product or service reviewed or discussed on this website.

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Marcia C
I have been a customer of Healthy Paws since 2014. My monthly rate has gone up incrementally over those 6 years, during which I have submitted one small claim that I can remember. Recently, I submitted a few claims that added up over my deductible by $150. I got that back, plus a rate increase of 40%! I am worried that I won’t be able to afford this insurance when I retire in a few years. My dog is too old to switch so they have me over a barrel. I’m not sure it has been worth it.

We thank you for being a valuable member of the Healthy Paws Family since 2014. Per your post, we also know you haven’t had to file many claims since then and we hope that you never have to–this means your pet is healthy and accident free. As we have covered in previous replies, our management team works hard to keep our premiums as low as possible while still providing comprehensive coverage. New technology, advancements in veterinary treatments, and overall claim costs are taken into consideration when assessing our rates. Premiums are determined based on the rates and rating rules filed and approved within each state’s Department of Insurance. These reflect the cost of treatment, advances in veterinary medicine, your individual pet’s breed, gender, age and other factors, in addition to the overall claims experience for the program within the region your pet resides. As a result, we need to increase the premium level for all pets in your state so you and your pet can have continued access to the best veterinary care. Rest assured, we will never penalize you with higher rates for making claims. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of veterinary care. We do our best to be transparent regarding annual premium increases by including this information on the “Frequently Asked Questions” page of our website.

The Healthy Paws Team

L Romick
Healthy Paws had made it so easy to upload receipts, track claims, and understand reimbursement explanations. They are fast and very responsive with information requests. Excellent coverage and no hassles!
Samantha Pruitt
After researching many pet insurance companies, I chose Healthy Paws based on the positive ratings and reviews. They have lived up to their reputation and even exceeded my expectations! My standard poodle has had a rough year with expensive hospital bills. Healthy Paws has reimbursed me according to my policy. Without the coverage, I would have had to make some hard decisions regarding my poodle’s care. I highly recommend the company for their wonderful customer service, efficient business practices and overall care for my dog. They’ve already checked up on Romeo’s health which tells me they really do care about the health of my pet.
Tara Seth
When my puppy was 8 months old she got very ill with giardia, aspirated bacteria, and a collapsed right lung. The bill came to thousands of dollars. The emergency clinic suggested pet insurance and I bought a policy through a company which was not Healthy Paws. After a healthy year for my puppy with no claims, the premium was raised by 25%. I switched to Healthy Paws at the advice of my regular vet. Since that time, I have added another dog and added him onto my policy. Both of my pups are very active Whippets and they manage to get into a lot of trouble mostly by running fast and cutting their thin skin. Healthy Paws has been wonderful at reviewing and reimbursing our claims. They keep me updated on the claims review process and during long recovery periods from my pups’ serious injuries, Healthy Paws has sent me personalized enquiries as to my pups’ conditions. I feel they really care about the health of my pups. In the almost six years that I have been with Healthy Paws, I have had one rate hike and their service has never disappointed. I have referred friends and they, too, have been very happy with Healthy Paws.
J. Labombard
Last May our beloved 12-year-old Lucky went into the vet after acting strangely for weeks. We received the worst news when she was diagnosed with Hemangiosarcoma. She required immediate emergency surgery to remove her hemorrhaging spleen and even after that her prognosis was 4 months. Her cancer was coupled with stage 3 kidney disease. We managed her health by cooking her meals twice a day with a dozen supplements added and monitoring her bloodwork monthly. When people would visit they could not believe she was even ill. She made it until her 13th birthday in January before she started showing signs of illness again, so much further than her original prognosis. She was showing serious signs of illness yet we went to a handful of doctors and none were able to pin it down. One Saturday morning I woke up and looked at Lucky to see her gums were completely pale white. We went to the emergency vet to find she was internally bleeding-and quite badly. We were referred to another vet down the road to perform an ultrasound which confirmed our fears, the cancer was back and her liver was hemorrhaging. There was one last Hail Mary if we could swing it. Blue Pearl had a surgeon that could perform this operation and possibly save her. We drove her to the facility, they performed the surgery and two weeks later she went swimming in our pool. I can say, without a doubt that without Healthy Paws we would not have been able to do this for her. I never received a single denied claim, only amazing customer service and quick turnaround. We received reimbursement within 2 weeks for every single claim. I wholeheartedly recommend them to anyone reading this, they are an amazing company that truly loves pets
Caitlyn D
I have just been notified that my rate will increase by 36% compared to last year (113% increase since we started with Healthy Paws). This is an abusive rate hike as, due to pre-existing conditions, I am unlikely to find similar coverage from a different insurer. After my rate hike last year, Healthy Paws stated they would provide documentation showing an increase in more frequent and more expensive claims. I spent months following up on this promise to which Healthy Paws kept apologizing for the delay in providing documentation, but in the end, no documentation was ever provided. This year there is an even steeper rate increase. They are citing the same reasons as last year, but again not providing any documentation. My experience with filing claims with Healthy Paws has always been a positive one, but the transparency of these rate hikes is extremely disappointing, especially as others in my community aren’t seeing the same rate hikes with their insurance companies. If I’m able to find another insurance company that will cover pre-existing conditions, I will certainly be looking to switch.
Tim Weiss
Caitlyn –

We truly appreciate that you have been a valuable member of the Healthy Paws Family over the years and thank you for the positive words regarding our super easy claims process. We understand your concerns and want you to know that our management team works very hard to keep our premiums as low as possible while still providing comprehensive coverage. New technology, advancements in veterinary treatments, and overall claim costs are taken into consideration when assessing our rates. Premiums are determined based on the rates and rating rules filed and approved within your state’s Department of Insurance. These reflect the cost of treatment, advances in veterinary medicine, your individual pet’s breed, gender, age, and other factors, in addition to the overall claims experience for the program within the region your pet resides. As a result, we need to increase the premium level for all pets in your state so you and your pet can have continued access to the best veterinary care. Rest assured, we will never penalize you with higher rates for making claims. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of veterinary care. We do our best to be transparent regarding annual premium increases by including this information on the “Frequently Asked Questions” page of our website. Please give your furbaby a big hug from us!

The Healthy Paws Team

Marcia C
OH, you’ll “never penalize “us” with higher rates for making claims”? You just penalize us if other people make claims? That’s one of the most interesting lies I’ve ever heard!

As our response to your review and Caitlyn’s states, we would never increase your premium based on your pet’s individual claims – it’s not your fault if your baby gets sick or injured. On the other hand, premiums for pet health insurance generally will and do increase when the overall claim reimbursements (the dollars paid to all pet parents in your geographic area) continue to rise. As you are probably aware, insurance in general is all about risk sharing or pooled risks. Groups of individuals come together to share in a larger risk. Those individuals make the decision to pay premiums for periods of time on the assumption that, eventually they will be in a position to draw a large amount (claim reimbursements) from that pool at some later date for some unforeseen event (like a large vet bill). This is very similar to other forms of insurance you may have or are familiar with.

The Healthy Paws Team

I have had my pet insurance through Healthy Paws for a year and a half and have been very happy with it. The service is excellent and the staff are very helpful and friendly. The claims process is super easy and efficient. I highly recommend Healthy Paws.
We have had healthy paws for 6 years since we first had our puppies and we are just so grateful for it. Even when the prices went up their pet insurance was still better than ours. Customer service has always been so prompt and we have not had one claim rejected or revised. I had one dog have bilateral Pes Varus and surgeries on both legs Healthy Paws paid 90% of surgery bills and my other dog has IVDD and so far all his physical therapy and surgery claims have been submitted and 70% paid out.
I won’t ever use another company as long as Healthy Paws is around we will be loyal customers.
I am very thankful for Healthy Paws! We have three dogs and a cat. One of the dogs has had ongoing allergy issues, the other recently started having seizures. It is such a relief to know that I can get them the care they need when they need it! Their customer service has always been good, and reimbursements come in within a few days (I do the direct deposit option). I highly recommend them!
My husband and I both have working backgrounds in the insurance industry so we are fully aware of how claims processing can be a difficult experience for policyholders. Not so with Healthy Paws. Our claim was handled expediently and with such understanding . We appreciated the follow up and concern about our pup’s health and recovery. We have had other pet insurance for past pets and seldom had to file a claim, but this company is above and beyond other experiences. I highly recommend this company.
We’ve had Healthy Paws Pet Insurance since we brought home our pup. It’s been 3 years now, and we’re really glad to have insurance with Healthy Paws. They are super easy to work with, claims are processed fast, and it’s very transparent to see what is covered. We’ve had ~3 emergency hospital visits in the middle of night, with several thousands of vet bills at the end, and thanks to Healthy Paws it wasn’t a financial burden to finance these!
Steve Del Grande
As a first time purchaser of pet insurance. I am more than inpressed. My 2 claim process was so simple and I could do everythin online. My claims were reviewed and processed the next business day. Highly recommend as it is definitely worth the upfront investment. Having been to two veterinary hospitals with in 24 hrs an 8,000 dollars of expenses claimed. They were very compassionate an concered for my dog. Checks were recieved with in a week of filing. I highly recommend Healthy Paws.
Robert Weissberger
To make a long story short, I have been dealing with Healthy Paws for many years and they have never questioned anything when I submit claims and they reimburse you quickly. They are the best!
Mary E Hanley
I have to say Healthy Paws for sure. My cat Max was sick in December 2019 and the bill was over $1300. Healthy paws reimbursed approximately $650 Because he supposedly had a pre-existing condition. I was discouraged over that decision and was going to change insurance but didn’t and stayed with them. 3 months later he became sick with something else and was kept overnight with every test and scan under the sun done. The bill was over $1,400 and Healthy Paws reimbursed me $1055 back and it was addressed in less than 7 days!!! They really came through and I am so glad I kept my pets insurance with this company!!
Thank goodness for Healthy Paws pet insurance! Purchasing health insurance from Healthy Paws for Ernie, our eight year old miniature apricot poodle was one of the best decisions we have made. Healthy Paws has always been there for us during the past eight years. At a very young age Ernie injured his leg. Healthy Paws was there. After that Ernie developed several chronic conditions and Healthy Paws continues to be there. Most recently, Ernie developed a major problem. All of a sudden he had difficulty moving and walking. Ernie’s neurologist recommended an MRI and spinal tap. The MRI indicated a mass on Ernie’s spine, likely cancerous. The spinal tap was inconclusive. Surgery revealed a slipped disc. Thanks to a remarkable neurologist and Healthy Paws, Ernie is recovering at home from surgery that removed the slipped disc. The total cost of the MRI, spinal tap, and surgery was approximately $11,000. Thanks to Healthy Paws our share of the cost was $1100. Reimbursement is easy via their app. Your reimbursement is deposited directly into your bank account in a timely manner. Staff are always caring, pleasant, competent, and knowledgeable. We recommend Healthy Paws to everyone we know who have pets and are happy to do so.
Tibor P
Shortly after getting our beautiful golden retriever in Dec 2018 we applied for Healthy Paws coverage. To date she has had 2 surgeries adding up to just under 10K. I had heard night mare stories about pet insurance when it came time to use it. Fortunately that is NOT the case with Healthy Paws!! I simply took pictures of the invoices and submitted them on my phone app, super easy. Less than 2 weeks checks arrived all 80%. By far the best pet decision I have ever made .
Stephanie Campbell
My Healthy Paws monthly payment is smaller than almost everyone I know with pet insurance, my deductible is lower, AND my coverage is better. The only delay in getting 80% reimbursement on my dog’s $4000 knee surgery was setting up direct deposit. REALLY easy, REALLY good coverage, and 100% saved my bank account when my dog blew her ACL. I recommend pet insurance and Healthy Paws to everyone I know.
Laura Quarantiello
HealthyPaws really came through when my dog needed two emergency vet visits, a specialist visit, testing, and medications for a recent bout of colitis. This was my first experience with pet insurance and it made all the difference in getting my furry friend back to normal. Their app is easy to use. I also spoke with them by phone and the rep was kind, knowledgeable and helpful. Yes, it sometimes takes up to 10 days to get everything processed and reimbursed, but I didn’t find that to be a big deal. I’ve had more trouble working with human insurance companies! HealthyPaws never questioned the necessity of the visits or testing. They make it easy to submit claims via their app and also accept documentation directly from vets when needed. I wouldn’t hesitate to recommend HealthyPaws. They make a difference in getting the best care.
Teresa Rose
Healthy Paws is an amazing insurance company for pets. After each of our Bernese Mountain Dogś five surgeries the reimbursements were paid promptly and without question. The company even contacts us to see how he is doing. I recommend the company to anyone who asks – the customer service is unbeatable.
Madelynn Davis
Really disappointed in this pet insurance. Got pet insurance for my two kittens, Cosette and Louise soon after bringing them home in Nov. 2019. They got into some lilies, which are toxic for cats and had to take them to the ER where they were admitted for two days as their bodies were flushed and blood and kidney tests were ran. Healthy paws says claims will be processed in 2 days but, upon submitting the claim, we received an email that said it could take 10 days to process and on the tenth day, received an email that said some records since joining the family were missing and after submitting those got another email that it could take another 7 business days. Reaching out to customer service was an incredible hassle and the entire conversation sounded like we were talking to someone who had a weed wackier next to the phone and at the end of the call said if we don’t see any changes in our claim in 7 days to call back but don’t I pay for this to be taken care of by Healthy Paws? I think it’s their responsibility to ensure that these claims are promised in a timely matter, as they guarantee all over their website and if more info is needed, they should reach out and not the other way around. This adds a huge amount of stress to our family in an already stressful time. I truly hope it can be sorted out thoroughly or my family will find another provider. I would much rather pay for a more expensive carrier who can deliver on what they promise than pay for the cheapest option than be dragged through the mud every time I file a claim.
Madelynn – We’re so sorry that your kitties had to deal with their serious toxicity issues. We apologize that your customer service experience did not met yours or our expectations. All claim decisions are based off of your pet’s medical records and the signs/symptoms that are noted in those records. Most pet insurance companies including Healthy Paws use a pet’s medical records to determine if there are any pre-existing conditions which would keep us from approving a claim. We appreciate your recent efforts to provide us with those records. We initially have our pet parents reach out to their vet clinics for medical records since there are many times a clinic will not release those records to us without policyholder permission. As our email outlined, it can take up to 10 business days to process a first time claim. The claims you submitted on 2/17 were processed on 2/27. Explanation of Benefits for both claims were sent to the email address within your account. We hope your babies make complete recoveries!
They’re re-imbursments are pathetic and they make you jump through insane hoops to get the tiny percentage of the total cost back. You are better off just opening a savings account for your dog and adding 20-50 bucks every month. This is seriously one of the most backwards rip off companies I have been unfortunate to do business with.
Mila – We’re sorry that your pet was not feeling well. Unfortunately, we cannot find your account in our system with the limited information in your review. Since we cannot find your account with the information provided, we don’t want to speculate on the the lack of reimbursement on your claims. We do our best to be transparent on how our reimbursement calculation works. We include this information (including examples) on our website within our “Frequent Asked Questions” page, and on our “For Customers” page within our website. Our process for calculating reimbursements are approved by each state’s Department of Insurance and are based upon the deductible/reimbursement level a client chooses at enrollment. As with any policy with a deductible, the deductible has to be met before any claim reimbursement.
Healthy Paws saved the day our American Bulldog was admitted to the hospital. The hospital required 50% down and the balance when discharged.
We were blown away by this we didn’t have this money sitting at home in a surprise basket but our dog was sick. He actually needed a transfusion we had to come up with thousands of dollars right away
We used a credit card and started caring for our beloved pet.
Healthy paws answered my Email right away and said . Ares is covered please get him cared for and we are so sorry he is not well. I took a photo with my cell phone on their simple to use app and that was all I needed to do . The extra stress that comes with a sick pet and can we afford his to keep our pet alive melted away. We knew then we made the right choice . We had insurance and gladly paid premiums hoping we would never need it. Healthy Paws approved our claim within two days and we were reimbursed before Ares finished his meds.
Healthy paws thank you so much for being there when we needed you most.
My wife said she wishes our health coverage was as good as the Dog’s
Andrea M
LOVE healthy paws. I can’t say enough great things about them. My dog has been insured since 2014 when he was 2 years old. They have been with us through 2 knee surgeries and a few other vet appointments of xrays, etc. I always receive my reimbursement within 7-10 days. I’ve called a few times with questions too and they are extremely nice and helpful! They will check in with you on your pet after a major surgery too to see how it went and how their recovery is going. Really great customer service!
Best Decision Ever! I rarely write reviews but I feel compelled to share my experiences with Healthy Paws. I’ve been a pet parent for years but never had pet insurance until 2015 when a neighbor recommended Healthy Paws based on her very positive experience with the company. In all honesty, I was skeptical and said that I assumed that pet insurance was fairly meaningless in practice. I am grateful to my neighbor for the recommendation and I am so happy to report that I could not have been more wrong about my assumption about pet insurance – or at least Healthy Paws.

I have a senior feline who is well-loved with a multitude of co-occurring medical conditions. As a result, she spends a lot of time at the vet, the ER, hospitalized and with vet specialists. It’s difficult enough to worry about her health, but it’s also daunting to see the mounting vet bills. Healthy Paws has been incredibly prompt, fair and responsive in their review and reimbursement of her myriad health care claims.

Most recently, after a very traumatic week that Mulligan (and we) endured of ER visits, hospitalizations, vet and specialist visits, Healthy Paws not only promptly reviewed and reimbursed the claims – they even sent a separate note a few weeks later to check in to see how Mulligan was feeling. How is that for customer service?

I know that there are many pet insurance options available; however, I can say from personal experience that this is a company with a heart that understands how much we pet parents care for our beloved family members…

Michaela Guillory
Never did I think that my 3 year old Frenchie, Quintus, would need surgery. Unfortunately, it happened. He ruptured a disc and was in so much pain. I’m so glad we have Healthy Paws Insurance. Being able to care for our little guy as best as we can is a top priority. Healthy Paws gives us peace of mind that we can do that for him. Its been one week since the surgery and were hoping he’ll be back to having fun in a month or so. Thank you Healthy Paws!!