Healthy Paws Pet Insurance Reviews: Customer Service, Coverage, Waiting Period, Quote, Cancel Policy, And More

Dog's paws in sandHealthy Paws is committed to helping homeless pets — so much so, they’ve donated over $1.6 million to help in their efforts to date. More than 550,000 pets are covered for new accidents and illnesses by Healthy Paws.

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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Healthy Paws Pet Insurance

4.1 / 5
Healthy Paws Pet Insurance
Rating 4.1


  • Unlimited lifetime coverage so no annual or per incident limits on payouts
  • Claim processing averages 2 days (direct deposit or check reimbursement)
  • Good CCL (ACL) coverage
  • Your pet is covered when they travel with you in the U.S. or Canada (up to 3 months)
  • High customer satisfaction
  • Great email response time


  • Veterinary exam fee and behavioral therapies are not covered
  • 12-month waiting period for hip dysplasia
  • Pets enrolled after age 6 aren't eligible for hip dysplasia coverage (MD doesn't have this age limitation)
  • 15-day waiting period for accidents is longer than the competition
  • No wellness plan
  • Charges a one-time $25 fee in some states
  • Doesn't cover curable pre-existing conditions
  • Pets older than 8 years old are restricted to specific limits
  • Plans aren't as customizable as competitors (can't select a lower annual payout limit than unlimited to reduce your monthly premium)
  • Not enrolling new pets in Washington

Key Features

  • Underwriter: Chubb (administered by one of these branches: ACE American Insurance Company, Westchester Fire Insurance Company, Indemnity Insurance Company of North America, ACE Property & Casualty Insurance Company, Atlantic Employers Insurance Company)
    • A.M. Best rating (a measure of financial stability): A++
  • 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
  • Claims process:
    • Must file claims within 90 days of the date of service, and they process most claims within 2 days
    • Submit claims through the app, online customer center, email, fax, or mail
    • 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, and no new pre-existing conditions are added. If the new policyholder is in the same zip code, they will pay the same amount as the previous policyholder. If the zip code changes, the rate may adjust slightly up or down based on the average pricing endemic to that specific area.

Exam Period

Healthy Paws requires an enrollment exam for all pets:

  • 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

Customer Service Options & Hours

Healthy Paws Pet Insurance waiting periods

  • Email
  • Phone:
    • Monday-Friday: 7am to 4pm PST
    • Saturday: 8am- 5pm PST
    • Sunday: Closed
  • Vet Helpline

Waiting Periods

  • Illnesses: 15 days
  • Accidents: 15 days
  • Cruciate Ligament: 15 days
  • Hip Dysplasia: 12 months

Both New Hampshire and Maryland remove the 15-day waiting period and the 12-month hip dysplasia waiting period. 

What Does Healthy Paws Cover?

Please know that none of the providers in our pet insurance comparison charts cover pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

All of them cover the following items when deemed medically necessary: emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications. However, this coverage may have limitations, so please check your policy.

Condition Covered By Healthy Paws
Behavioral Therapies X
Alternative/Holistic Therapies X
Exam Fees X
Wellness Care X

Is My Dog Eligible For Healthy Paws?

Is My Dog Eligible For Healthy Paws graphic
Except in New York where pets are ineligible for new enrollment after 4 years of age.

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 policy’s lifetime.

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: 
    • 50% or 60% reimbursement
    • $750 or $1,000 deductible

*Pets older than 4 years old aren’t eligible for new enrollment in New York.

Pricing Quotes

Healthy Paws offers some customizations for their plans. You can choose your deductible and reimbursement options, but the payout limit is unlimited for all plans. Additionally, deductible and reimbursement options may be more limited for your pet depending on breed, age, location, etc.

Deductible Options Payout Options Reimbursement Options
Unlimited 50%

The cost of each policy is unique to your pet and depends on many variables, including your pet’s age, breed, location, health conditions, and more. Below are sample prices for select breeds in various locations with different limitations for Healthy Paws. Quotes are from December 2021.

Breed Labrador Retriever English Cocker Spaniel German Shepherd Mixed Breed Cat
Male or Female Male Male Female Female
Age 2 years 8 years 4 years 2 years
Location Florida
Washington D.C.
Reimbursement Level 80% 70% 80% 80%
Annual Deductible $200 $750 $250 $250
Annual Claim Limit Unlimited Unlimited Unlimited Unlimited
Price Per Month $42.86 $70.22 $81.01 $18.82

When you fill out our short quote form, you can get personalized price quotes for your pet(s) from Healthy Paws and several other top-ranked companies. 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 to receive the best price we can offer you and get a quote for your pet from Healthy Paws. You can also visit our dedicated Healthy Paws promotions page.

How Does The Claim & Reimbursement Process Work?

Healthy Paws uses a “deductible then copay” reimbursement method. This is calculated in the following way:

  • Actual vet bill amount – Remaining annual deductible – Copay = Reimbursement amount

Reimbursement Story

Black lab puppy laying in the grass

  • Dog: Darby, Labrador Retriever mix
  • Diagnosis: Cancerous tumor

Darby, a 7-year-old retriever mix, developed a lump on her side. Further inspection revealed a tumor needed to be removed, based on the location and type. After removal, a biopsy confirmed it was cancerous. However, Darby didn’t require any follow-up chemo or radiation treatments because it was caught early and the cancerous tissue removed.

Darby’s recovery went smoothly. She rested for a couple of weeks while a large wound on her side healed up. Now her fur has fully grown back, and she is as good as new. She is expected to live a completely normal life.

  • Treatment Cost: $3,181
  • Healthy Paws Reimbursed: $2,737
  • Final Cost For Pet Parent: $444 ($250 deductible, 10% copay)
  • $3,181 (actual vet bill amount) – $250 (remaining annual deductible) – $194 (copay) = $2,737 (reimbursement amount

Most Common Claims Submitted To Healthy Paws

  • Stomach issues (e.g., vomiting, diarrhea) – as high as $29,086 for some families
  • Skin conditions – as high as $4,138 for some families
  • Pain – as high as $11,425 for some families

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 these deaths. Unfortunately, Baxter’s cancer diagnosis meant his owners needed help financially. See how Healthy Paws helped this family in a time of need.

Frequently Asked Questions

Here are some frequently asked questions regarding Healthy Paws pet insurance from our readers.

Does Healthy Paws Cover Dental?

Healthy Paws covers non-routine dental treatments and tooth extractions due to accident. It also covers trauma to the teeth, face, and jaw.

Does Healthy Paws Cover Ear Infections?

Ear infections are eligible for coverage as long as the condition is not pre-existing and the pet has not shown symptoms during the 15-day waiting period.

Can You Cancel Healthy Paws Insurance?

You may cancel your Healthy Paws policy via regular mail to the address below, fax to (888) 228-4129, email to [email protected], or via phone by calling (855) 898-8991.

Healthy Paws Pet Insurance
P.O. Box 50034
Bellevue, WA 98015

If you’d like a replacement for your Healthy Paws insurance policy, take a look at our pet insurance reviews to see which pet insurance companies we recommend.

Who Owns Healthy Paws?

Healthy Paws began as Healthy Paws Pet Insurance & Foundation back in 2009, and is co-founded by Steve Siadek and Rob Jackson (check out our exclusive interview with Rob). They met through a local, no-kill animal shelter. Steve had left a corporate career to pursue his pet passion and become the shelter’s executive director. Rob, an insurance executive, adopted his dogs from the shelter and kept coming back to foster more.

Healthy Paws vs Other Companies

Interested in seeing how Healthy Paws stacks up against other popular pet insurance companies? We’ve written many comparison articles for you to see how Healthy Paws and other leading pet insurance companies compare in coverage, customer service and reputation, claim processing, plan customization, and price.

How Does Healthy Paws Compare?

Visit Healthy Paws Website

Healthy Paws has a history of excellent customer service, an annual deductible, 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 guide ranks our top picks for pet insurance as well as the best options for specific characteristics and conditions (e.g., dental coverage, price, wellness coverage, bilateral conditions, and more) to help you determine the best fit.