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Healthy Paws Pet Insurance Review

Healthy Paws Pet Insurance and Foundation is a pet insurance company that provides coverage for dogs and cats. Founded in 2009, its plans cover new accidents and illnesses, including cancer, emergency care, genetic conditions and alternative care. The company is rated A+ by the Better Business Bureau, has a history of excellent customer service, allows for an annual deductible (as opposed to per incident, like many other pet insurance companies) and offers unlimited lifetime benefits. If anything happens to you, your pet’s coverage will not end.

Plus, every time you get a quote from Healthy Paws, the company donates money to a homeless pet in need.


Healthy Paws pet insurance provider | dalmation with stethoscope

  • 99 percent of claims are processed in two days.
  • You can use any licensed vet – there’s no in-network requirement.
  • There are no caps on annual or lifetime payouts.
  • In the event you are unable to care for your pets for any reason (including death), Healthy Paws will continue to provide coverage.
  • Annual deductible (vs. per incident)
  • Unlimited lifetime coverage means no annual or per incident limits on claims.
  • Competitive pricing when compared to the competition
  • Your pet is covered when they travel with you in the United States or Canada.
  • High customer satisfaction scores
  • The Healthy Paws mobile app makes submitting a claim easy and allows for fast reimbursement.
  • BBB rating: A+
  • Direct deposit or check reimbursement


  • Veterinary exam fees and behavioral therapies are not covered
  • While Healthy Paws does cover hip dysplasia, it only does so for animals enrolled in pet insurance before the age of six. There is also a 12-month waiting period for hip dysplasia, no matter what the age of enrollment.
  • Healthy Paws has age restrictions: If your pet is older than six, they must be examined by a vet within the past 30 days for enrollment or within 15 days of policy issuance. Additionally, pets older than eight are subject to 60 percent reimbursement and a $750 annual deductible.
  • There is a 15-day waiting period for accident and illness.
  • No wellness plan
  • Charges a one-time $25 fee

Product Stats

Healthy Paws pet insurance | golden retriever in pink cast

  • Underwriter: ACE Property and Casualty (Chubb)
    • A.M. Best rating: A++
  • Exam period:
    • Dogs under the age of six must have visited a vet within the last 12 months or within 15 days of policy issuance.
    • Dogs older than six years old 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:
    • 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
    • An injury or recurrence of an injury that occurred prior to the pet policy effective date
    • Any condition or complication resulting from an illness or injury that occurred prior to the pet policy effective date
  • 99 percent of claims are processed within two days: Reimbursement checks are generally issued within 24 hours of processing and can be delivered via direct deposit or paper checks.
  • Policy transfer: Healthy Paws will continue coverage for your pet should you become unable to care for the pet or die. The policy can be transferred to the new owner without a lapse in coverage. The new policyholder will pay the same amount as you did, and there will be no newly added pre-existing conditions.
  • 30-day free look period: This is akin to a money-back guarantee.



Healthy Paws pet insurance provider and foundation

What Is Covered

  • Surgery
  • Hospitalization
  • Cancer
  • Prescription medications
  • Diagnostic treatment and testing (like x-rays, blood tests, ultrasounds and so on)
  • Accidents
  • Illnesses
  • Congenital conditions
  • Hereditary conditions
  • Chronic conditions
  • Specialty care
  • Emergency care
  • Alternative treatments

What Is Not Covered

  • Pre-existing conditions
  • Anal gland expression
  • Vaccinations
  • Flea treatments
  • Heartworm medications
  • Deworming
  • Nail trimming
  • Grooming
  • Dental care (with the exception of damage to teeth caused by an accident)
  • Spaying and neutering
  • Routine veterinary exam fees
  • Pre-existing ligament problems
  • Parasite control (both internal and external)

Waiting Periods

To help mitigate fraudulent claims, Healthy Paws enacts a waiting period. This is to prevent someone from enrolling in pet insurance the day their pet is injured. There are no waiting periods in Maryland or New Hampshire, but the remaining states are as follows:


Healthy Paws pet insurance | happy dog

Sample Rates by Breed

As different breeds tend to have different ailments and injury, Healthy Paws’s rates vary. Other factors that can cause differences in rates include location and age of your pet. Below are sample rates for common breeds. To get an exact quote for your pet, search Healthy Paws.

BreedLabrador RetrieverEnglish Cocker SpanielGerman ShepherdYorkshire TerrierYorkshire TerrierYorkshire TerrierMixed Breed Cat
Age2 years8 years4 years6 years2 months2 months2 years
(zip code: 33601)
(zip code: 60290)
(zip code: 90001)
New York
(zip code: 10001)
New York
(zip code: 10001)
(zip code: 33601)
Washington, D.C.
(zip code: 20001)
Price Per Month$38.84$53.08$57.84$55.55$31.55$28.02$19.30
Reimbursement Level80%60%90%80%80%80%80%
Annual Deductible$200$750$500$250$250$200$250



Reimbursement rates and annual deductible amounts vary based upon the age of your pet at enrollment.

  • Dogs and cats five years old and under:
    • 90, 80 or 70 percent reimbursement
    • $100, $250 and $500 deductible
  • Dogs and cats six and seven years old:
    • 80, 70 or 60 percent reimbursement
    • $250, $500 or $750 deductible
  • Dogs eight years old and older: 
    • 60 percent reimbursement
    • $750 deductible


healthy paws animal insurance


Healthy Paws has an excellent history of customer service and – unlike some pet insurance companies – covers hereditary conditions, including hip dysplasia. Its rates are competitive, and it offers the option to pay an annual deductible rather than pay per incident like many of its competitors. It also offers unlimited lifetime benefits.

Plus, every time you get a quote from Healthy Paws, the company donates money to a homeless pet in need. What could be better?

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