Is Healthy Paws The Best Pet Insurance Provider?

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Dog's paws in sandHealthy Paws is committed to helping homeless pets — so much so, it’s donated nearly $600,000 in grants to animal shelters and rescues across the U.S. 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?

Visit Healthy Paws Website

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

Pros

  • 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

Cons

  • 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

Key Features

  • Underwriter: ACE Property & Casualty (Chubb)
  • Exam period:
    • Dogs younger than 6 must have visited the vet within the last 12 months or within 15 days of policy issuance
    • Dogs older than 6 must have been to the vet within the last 30 days or within 15 days of policy issuance
  • Pre-existing conditions defined by Healthy Paws:
    • 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. 
  • 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
  • Option to have Healthy Paws pay vets directly, so you don’t have to pay a hefty vet bill in advance and wait for reimbursement (check with your vet — not available everywhere)
  • Continues coverage for a pet if the pet parent becomes unable to care for the pet or dies. This works by transferring the policy to someone else without a lapse in coverage. The new policyholder will pay the same amount, and there will be no newly added pre-existing conditions.
  • No waiting periods in Maryland or New Hampshire
  • 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)
  • Customer service hours:
    • Email: 24/7
    • Phone: Monday – Friday from 6am to 6pm PST and Saturday – Sunday from 8am to 5pm PST

What Does Healthy Paws Cover?

Here’s a list of services that HealthyPaws covers and does not cover (as of December 2018). 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.)
Accidents
Illnesses
Congenital conditions
Hereditary conditions
Specialty Care
Emergency care
Alternative treatment

Is Hip Dysplasia Covered?

Healthy Paws covers expensive hereditary and congenital conditions if your vet hasn’t noted associated clinical symptoms prior to purchasing 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, 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.

Is My Dog Eligible For Healthy Paws?

All 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 put your pet’s information directly into its website to get a better estimate for your pet (use our coupon code link below for the best discount).

BreedLabrador RetrieverEnglish Cocker SpanielGerman ShepherdYorkshire TerrierYorkshire TerrierYorkshire TerrierMixed Breed Cat
Boy or GirlBoyBoyGirlGirlBoyGirlGirl
Age2 years8 years4 years6 years2 months2 months2 years
LocationFlorida
(zip code: 33601)
Illinois
(zip code: 60290)
California
(zip code: 90001)
New York
(zip code: 10001)
New York
(zip code: 10001)
Florida
(zip code: 33601)
Washington D.C.
(zip code: 20001)
Price Per Month$41.58$52.44$61.04$57.37$37.46$31.87$20.19
Reimbursement Level80%60%90%80%80%80%80%
Annual Deductible$200$750$500$250$250$200$250

You can get personalized price quotes for your pet(s) from several top-ranked companies when you fill out just one short form. 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.

Waiting Periods

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

Customer Opinions On Healthy Paws

Positive Reviews

We have had policies for both of our dogs for a few years with HealthyPaws and they have never failed us. We just filed multiple claims for our 9-year-old rescue mix that totaled over $2,100 and they paid them quickly and without any fuss. I recommend this company to anyone with a beloved fur-baby. It is better to have pet insurance from a reliable company and not need it than chance it when the time comes that you do need it. We will remain loyal customers because HealthyPaws stayed true to their word when we needed the policy most. – Monica B., BBB 4/17/2018

This was my first experience with pet insurance, and after meticulous research I chose Healthy Paws. And I’m so glad I did!! My very special cat needed surgery for the second time in a month. (I’m still mad at him.) I enrolled him in pet insurance right after his first surgery, and I’m so glad I did. 2 weeks after his waiting period ended, he needed surgery again. I maxed out my care credit with this second surgery but then needed it for my own dental care. So I called to request my claim be expedited. Ryan answered the phone and he was so warm and friendly. He even asked how my cat was doing! Then he asked me to submit some documents and told me he would follow up immediately. And he did!! I uploaded the documents and got a call shortly after saying he’s processed the claim and I should get a confirmation of benefits on that same day, if not the next morning!! I was SO impressed!! All this happened within a short span of an hour! My other 2 cats are also on healthy paws and I know they’re well protected with this amazing company!! Thank you Ryan for your prompt service and your caring attitude! – Lydia P., Yelp 3/18/2018

Negative Reviews

BEWARE outrageous policy increases every year. Typical insurance company will lure you in with an affordable option that will quickly turn into an outrageous expense. You are better off banking the money into a savings account that relying on them. The language from their website reads “your rates will increase slightly each year. These manageable annual increases” – If you consider 15% per year “slight” or “manageable” then maybe it’s for you, but when you’re paying $100 month, and will still be out of pocket a considerable amount for anything major, you really should ask yourself if it’s worth it. – Todd M., BBB 4/24/2018

Horrible customer service and in general horrible policies. It is absolutely worth the extra $10 a month to go with any other insurance agency other than this one. We were a member for about 2 months when we submitted our first claim. Our puppy had been peeing in our office and we wanted to bring her in to make sure it wasn’t a medical related issue before signing her up for training lessons. My mother called and made the appointment and they did a urinary test which ran us around $300.  After 12 days of waiting for our claim to be processed, I emailed Healthypaws about when our claim would be reviewed.  No response. About 4 days later I emailed again about our claim.  Again no response.  Then I finally called after roughly 18 days had passed and they began to process our claim that day.  3 hours after I called in to request they review our claim, I get an email saying our claim was denied. When I asked why, they said there was a note on my dogs health records stating that we were bringing her in to check for recurring UTI’s and since she had had two over the last year they were considering it a pre existing condition and would not pay. When I spoke with my vet they let me know that the note on our medical records were actually just notes the receptionist jotted down from a conversation she had had with my mother about the vet visit.  I told healthypaws that these were just notes and not a diagnosis and was not the real reason we brought our dog to the vet. Healthypaws then told me verbatim “The official diagnosis does not affect coverage for a claim. Your own testimony regarding your pet’s health is taken into account when determining the start of signs and symptoms, since you know your pet best.” Apparently I have no need for a vet anymore since my mothers diagnosis means more than a vets.  Good to know! In conclusion, if you want a company that isn’t trying to gauge you of your money and takes weeks to tell you your claim is denied after taking 3 hours to review – find a different agency. – Leah M., Yelp 2/12/2018

How Did Healthy Paws Help Baxter And 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.

Our Final Verdict On Healthy Paws

Healthy Paws pet insurance is our #1 pick for best pet health insurance. Healthy Paws took the gold medal because it 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 that you’ll be reimbursed for.

Healthy Paws also likes to give to those in need. Each time you get a quote from Healthy Paws, it donates money to a homeless pet. Healthy Paws also will continue covering your pet if you’re unable to care for them or if you die. This is rare in the industry, and we think it’s fantastic.

How Does Healthy Paws Compare?

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, finding 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?

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.

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.

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Pam
Healthy paws is a great pet insurance company. The have been great with reimbursement. I would recommend this company to everyone.
Dee-Dee A
Healthy Paws is an integral part of my dog’s life. It is an amazing organization that truly cares about pets and their pet parents. As my dog gets older, it is reassuring to know that Healthy Paws will be with us every step of the way. Healthy Paws is one of the best organizations I have worked with – whether for people or for animals! Everyone at Healthy Paws is attentive, compassionate, responsive. I wish there were more organization out there like Healthy Paws who genuinely put the welfare of pets first.
Melissa Catania
I am SO grateful to Healthy Paws and so happy that I selected them for my dogs’ insurance. My beloved mastiff was hospitalized, critically ill in ICU for a week, with aspiration pneumonia and post surgery for a GI perforation. I was not ready to lose my boy, but I was terrified about what this was going to cost. He had suffered a similar condition in the past, and I was not sure if this was going to be considered a pre existing condition, and thus not covered. Not only was the $30,000 plus hospitalization and follow up care covered, but they were actually able and willing to tell me two days in that it would be covered! That was SUCH a relief as the charges were adding up quickly each day.

It takes me less than a minute to file a claim, and all of my claims have been processed and paid quickly, for all of my dogs. I highly recommend Healthy Paws!

Matt K
This pet insurance is not worth it. Due to not covering the exam for who knows what reason, the way the claims dept drags their feet in resolving the claim, and the ever-present need for more documentation, I’ve decided it’s in my best financial interest to save about 50 bucks a month in a special account for our dog.
When our puppy jumped out my arms and hit the floor with her jaw, it resulted in a severe concussion. We wound up taking her to the emergency room where they were able to stabilize her and recommended we take her to a hospital to get monitored for 8 hours, which we did. All turned out well, and the final cost was at about $600. When we submitted our claims, I got two emails stating that they were working on it. Then after that I got notice that they closed the claim for lack of supporting paperwork. WHAT? So I talked to customer (service?) and they told me to submit all the vet records from before the incident. I did, they got it, and then nothing happened. So I called again and had them file 2 new claims. OK whatever. After ten days (or maybe 11) I got an email stating they were waiting for more paperwork (the original paperwork got lost?). SO I called again and they managed to get all the paperwork. After it was all said and done, I got reimbursed just over $55. My wife said, “Is that all?” Yep. And it only took about 3 months and numerous phone calls to get that much.
My advice: save your money and don’t put it in their pockets.
Tim
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.
Kayla
My fur family has had Healthy Paws Insurance for several years and I have been very pleased with the service. When I have had questions, I always get a prompt and courteous response either by phone or email. My Anatolian Shepherd got osteomyelitis and received an MRI and two CT scans and was on antibiotics for 6 months. Her care came to thousands of dollars. I was very grateful to have Healthy Paws Insurance for her!
I highly recommend this insurance company.
Gretchen Pfeffer
I am thankful each and every time something comes up with our two dogs that I’m not put into a position where we have to make some horribly tough decision, like so many people … Do I move forward with this expensive procedure and have to sell my car? Not eat for a few months? Fall into an insurmountable load of credit card debt? Or worse, for some people, because they cannot afford it, they end up having to put off a needed procedure while their pet suffers each day, because surgery is just not a financial option for them. What a horrible conversation people have to have.

Healthy Paws covered TWO TPLO surgeries for one of my dogs – at 90%. In addition, they covered holistic underwater physical therapy for months at 90% each visit. My dog, years later, grew an abscess in one leg, and had to have ALL the metal in both legs removed. Healthy Paws covered this procedure at 90% as well. We would do anything for our dog, which means, we would have done the surgeries without insurance. But we would be in at LEAST about $20,000 worth of credit card debt right now, just for the TPLO issues alone, without our Healthy Paws coverage.

Every time I call, their customer service representatives are kind and compassionate. They have recently raised our rates. However, I know people with other pet insurance who also had their rates increased. (I think inflation is just making everything more expensive across the board.)

Healthy Paws does NOT cover:
~ Vaccines
~ Office visit charges
~ PRE-EXISTING CONDITIONS

I am truly thankful we made the decision to go with Healthy Paws.

– Gretchen P.
Emeryville, CA

Karen Dymersky
Healthy Paws is the best. I have been with them for a few years ever since I rescued my dog. They made it possible for me to give my dog the treatment she needed with no hesitation. My most recent experience was my dog was sick and I had to rush her into the vet. She ended up staying for five days and having surgery. The visit all together cost 3300.00. I only had to pay 240.00 of that. Without this insurance I would have not been able to treat her. They are so compassionate and care. It’s simple to submit the claim and they reimburse you in no time. I highly recommend Healthy Paws to all my friends that have pets. Thank you so much Healthy Paws for all you do
Angelica
We had this insurance for two years and never submitted a claim. My dog had an impact injury and her leg went lame. She had to have surgery. First Healthy Paws denied the claim saying it was preventative so I had the vet write a letter. Then I resubmitted and they said they couldn’t read the PDF invoice from the vet. Then I resubmitted and they said it was a pre-existing condition. Two years later??? My vet even confirmed that it wasn’t and they still denied the claim. They are supposed to process claims in 10 days. This was two months of them denying me and then me sending information to refute their reason and them finding a new reason to deny. Do not waste your money. They have loads of bad reviews they try to cover up. Do your research and don’t be fooled. Healthy Paws insurance is a fraud. What a nightmare! I paid thousands more to them than my claim would have been.
Tim
Angelica,

We are never happy when we have to deny a claim for a client and sorry that your dog had to have leg surgery. We appreciate you providing your pet’s medical records and resending when the copies we received were unreadable. Even with today’s technology, there are still issues with fax quality from time to time. We’ve also been helping an unusually large number of sick pets in the last few weeks which caused the delay in your claim processing. We apologize for that delay and have been proactively implementing solutions so this does not happen in the future.

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. The medical records provided to us show the sign/symptoms of the current issue falling under the only bi-lateral exclusion in our policy, that being Cruciate Ligament (CL, CCL or ACL) injuries. Since your pet was showing cruciate ligament problems during the policy waiting period, claims for either leg are excluded from coverage.

I regards to our reviews, our pet parents are passionate about their pets, just like you, which is why we have both positive and negative reviews. We don’t have the ability to manipulate or cover up any review posted by an individual. Our goal is to provide a response based upon the content of the review while adhering to our corporate privacy policy which protects our customer’s private information. We’re sorry to lose you as a client and hope your dog does well in their recovery.

The Healthy Paws Team

Caitlyn
The seemingly endless rate hikes and lack of transparency at Healthy Paws are very disappointing.

I have been a Healthy Paws client since 2014 and my rate has gone up every single year. My rate went up 15.5% from last year and has gone up a total of 57% since I first joined. I was notified through a February email from “Jennifer at Healthy Paws Customer Care” about the most recent increase that would occur in April. I reached out to the corporate office where Liz informed me that the increased rate was reflective of the increased veterinary cost and claims in my area. I stated that in my community of pet owners we had not seen anywhere close to a 15% increase in vet costs over the past year and would like to see some documentation to reflect their claim. Liz stated that would not be a problem and that I would receive documentation the following week. No one ever got back to me so I followed up through the inquiry form on the Healthy Paws website. My continued follow-ups have yielded emails from Beth at Healthy Paws Client Services apologizing for delays in providing my documentation request and stating that she will reach out to the team/manager handling the request. My rate has now officially gone up and still no documentation or other satisfactory response has been provided other than to reiterate that rate hikes are due to an increase in frequency of high-value claims.

My dog just had his annual at the vet where costs hadn’t increased at all from last year let alone by over 15%. Meanwhile my neighbor’s pet insurance rate from a different provider, which began at a similar cost to my own, has not gone up at all in the last 5 years, let alone by over 50%. The lack of transparency and seemingly endless rate hikes at Healthy Paws are very disappointing.

Tim
Caitlyn,

We understand that no one likes any form of premium increase and appreciate the you’ve been a policyholder for the last five years.. 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. Your monthly premium is going up because the increase in claim payments has been faster than the premium increases in your state. 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

T Hawthorne
Thanks to Healthy Paws, we were able to get our dachshund admitted to the hospital for emergency treatment and ivdd surgery without a hassle. There is nothing more stressful or heartbreaking than to be given just two choices from a surgeon: life-saving surgery (if you can afford it) or euthanasia (if you don’t have $$$ or insurance). Having much-needed pet insurance allowed us to focus on caring for our dog and to get him the best medical care possible.
Gina T Landino
Healthy Paws is one of the best pet insurance companies I’ve dealt with! I have had experience with two other companies and HP is by far the best! The claim submission is easy, the reimbursement rates are high (mine are 80%), the rates are reasonable and the customer service is superb. I highly recommend them.. for example, my German Shepherd within 10 days time had knee surgery and then ended up in the ER, costing me about $8400 in 10 days, I submitted the claims to HP and received $6400 in reimbursements! AND received those fund quickly! The knee surgery in 3 weeks and the ER in less than 2! This is huge when you have those type of vet bills – they even emailed me personally to check on the patient! Absolutely amazing company!
Marie Perez Navarro
I’m a year late writing this review, but oh well. Last year, my then-4 yo chihuahua terrier completely tore his ACL and because of his breed and knee structure, the surgery was complicated and costly. My family did not have $5,000+ to pay for the surgery, and the vet doesn’t do payment plans. Luckily, Lucas (the dog) had been serviced by Healthy Paws for over a year and we felt comfortable with the claim process. Usually these insurances are reimbursement based, but because it was such a large amount, I talked to a HPPI representative and was able to get them to pay their part up front (90%!) and I ended up paying only $500 for my dog’s pre-surgery consult, surgery, and post-surgery check! And, because of their unlimited lifetime claims (unlike other providers) i have no worries that I am going to run out of insurance money as he ages (since he’s just a pup). Overall wonderful service.
LEANNE BAKER
I couldn’t be happier with HealthyPaws! I have all 3 of my pooches insured through them and they have been by my side through illnesses and ailments big and small including foreign body surgeries, toenail surgeries, knee surgeries, skin conditions, aches/pains, you name it!
Pet issues are stressful enough to deal with, nevermind the financial burden. HP allows you to focus less on the stress of vet bills and more on your pet’s diagnosis and recovery.
Submitting claims via the app is a cinch and I can always count on HP to process them quickly and accurately. The direct deposit to your bank account feature is an added bonus.
I recommend Healthy Paws anytime I can. They’re a must for any pet owner.
Frederick Gault
We weren’t sure pet insurance was a good idea, but we went ahead, “just in case”. Well, unfortunately our poor Border Collie mix Diggity developed a bad stomach bug, and we thought we were going to lose him! He was in and out of the vet, and the bills . . . well, you know. We didn’t have time to worry about the costs, we just wanted our boy healthy. Insurance? Well, we would see. To our delight, Healthy Paws had an easy-to-use web site, the vet knew all about them and said good things. Then, voila, a check appeared, and then another without any fuss! Then, another minor disaster, our doggie needed dental surgery after breaking off a cainine tooth. Another strasopheric bill, another insurance claim. Surly they would push back on such an quick second medical expense. But, again, to our delight, no fuss at all, just another paid claim. Thank you Healthy Paws, and Diggity says thanks too.
Kathy Houlihan
Healthy Paws paid for my fur baby’s torn CCL and allowed me the time to focus on her recovery instead of the cost of her surgery! I have been with them since 2012 and I have 4 dogs covered with them. I highly recommend them to any looking for pet insurance!
Liz Cary Blum
Our cat Mo has had two major health incidents and Healthy Paws has stood by him (and our family) 100%. The first was an accident where his tail needed to be amputated, and the second he became hyperthyroid and was going into cardiac failure and needed I-131 radioiodine treatment. I was telling a friend about the I-131 treatment and the cost, and she replied she would have had to put her cat down because she would have never been able to afford the treatment – Healthy Paws allowed us to focus on our cat and what he needed and not worry about finances. I find their customer service staff to be very helpful, and they always email to ask how my cat is doing after a procedure which is really appreciated. I have convinced several friends to get Health Paws and we all have nothing but gratitude!
Christopher D'Addario
Last year, our new German Shepherd Scout needed surgery to clear an obstruction (she managed to eat a couple rocks) as a young puppy which cost several thousand dollars out of pocket (and of course all the stress we went through before and during surgery).

I figured it was time to look into pet insurance after this, and settled on Healthy Paws after looking at other options due to reviews and what was covered. Over the year various check-ups and medications were submitted (most which counted towards the deductible, and where others were not covered there was a specific reason provided as to why).

Fast forward to about a year later, Scout suffered a very bad leg fracture and couldn’t use her front leg as a result, and required serious surgery. Our worrying about her pain and well-being was bad enough, but when we were hit with the estimated bill ($5,000-$7,000) for surgery it was another punch to the gut.

After surgery I submitted a claim to Healthy Paws, thinking in my head “I’m sure this will get rejected for some reason and I won’t see a dime” and hoping to get at least something to help cover the cost of the operation and subsequent recovery costs.

To my surprise, the FULL amount of my plan (80% of the surgery after deductible, over $4,500) was covered and promptly sent as a check. No arguing on the phone, no other action needed by me after sending the claim in…it was hassle-free and let me concentrate on our dog getting better (let alone helping us sleep at night due to the costs).

Representatives also checked in with us to see how Scout was doing shortly after the surgery (yes, real people and not automated emails) and wishing us the best for recovery. This was very appreciated and made us feel much less of a ‘number in the system’ with an actual connection to the people handling our claims.

I can’t say enough what a huge relief this was financially and mentally. I hope to never be in this situation again but am so glad that we had the foresight to purchase pet insurance for Scout for just this kind of “what if” scenario.

Previously I always thought pet insurance was some kind of scam, and maybe some people aren’t as fortunate to have their fur-babies’ conditions and problems covered, but I am so happy to have gotten coverage for Scout when I did.

David Bartmess
My Pug Mattie was diagnosed with a gall bladder issue, and without Healthy Paws, I couldn’t afford the treatments. Healthy Paws was easy to put in a claim, and quick to settlement the claim. I couldn’t have asked for more, except that they inquired later how Mattie was doing. No other insurance company would do that!
Wendy Garff
Our dog had a fox tail embedded in his foot and needed to be sedated to have it removed. I was only expecting it to go toward the deductible but even that was a fight. I was very discouraged with healthy paws and how they seem to fight everything. It is not at all work the money.
Tim
Wendy,

We’re sorry your dog had that run in with a Foxtail – those are no fun. 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. Since we knew the Foxtail incident was an accident and not a preexisting condition, we were able to cover that claim based on the reimbursement level and deductible you chose at enrollment. Since your other claims are older and not related to the Foxtail incident, we need those medical records to make our determination. We hope your baby makes a complete recovery.

The Healthy Paws Team

Anna & Merlin
Our Merlin had to have emergency surgery for some ruptured discs. I called Healthy Paws on the way to the vet hospital, and asked if they would talk directly with the billing office, and they were happy to do that. Even after the surgery and during recovery process, I got an email from them asking about how Merlin was doing. Even my personal health insurance people don’t do that! Very pleased with Health Paws and recommend them on regular basis.
Mallory Manke
There have been no surprises with Healthy Paws. They keep you in the loop on the status of your claim, every step of the way. You’re able to submit & forget – focus on your pet’s health and then a check arrives in the mail! I am SO glad I signed our Bella up for Healthy Paws and I would do it over and over again in the future! Thank you Healthy Paws!!
Dana F.
One year ago, our 3-year old Pitbull was diagnosed with T-Cell Lymphoma. We were devistated. Our sweet boy, Chappie, has gone through many sessions of extensive chemotherapy and is now in remission for the second time. Healthy Paws has made this treatment for our pet possible. They are absolutely amazing! They are the best choice for your pet insurance! They care about the health of our pet and show us by checking in and paying all claims prompty! We love and appreciate you Healthy Paws! Thank you for taking great care of our Chappie!
Dana F. – Las Vegas, Nevada
Ashley
Soo easy to sign up! Submit claims! Received my refund in days! Easy website! Will be a life long healthypaws customer!
Andrea
I have had nothing but great experiences with Healthy Paws and have recommended to all pet owners I encounter. They have always made me feel assured that my dogs have access to the best care possible. My newest member of the family has had major tummy issues and an upper respiratory infection and Healthy Paws has made the process so smooth. They even followed up to see how he was doing! Couldn’t ask for a better pet insurance for my fur babies 🙂
Deb Jaremba
Our Golden Retriever, Molly, had an emergency vet visit on Saturday night just over 2 weeks ago. She was diagnosed with a ruptured tumor on her spleen that was bleeding into her abdomen. A splenectomy was required but the doctor cautioned us that 67% of these tumors are cancerous. We have had Molly for over 8 years and have always had insurance for her but never have had to use it. We decided to opt for the surgery and deal with the cancer if and when that was confirmed. It turns out that the tumor was benign and Molly is fine and acting as if nothing was wrong with her. Healthy Paws was easy to work with. Uploading Molly’s paperwork was easy and the people at Healthy Paws kept us informed of the progress and asked how Molly was progressing. We have already received the reimbursement check for 80% minus the annual deductible. If we had chosen direct deposit, it probably would have been in the bank several days earlier. Thank you Healthy Paws!! Our daughter just got a dog and I have recommended Healthy Paws to her and will continue to recommend it to any else.