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Healthy Paws Pet Insurance Review 2023 – Pros, Cons, & Verdict

Melissa Gunter

By Melissa Gunter

healthy paws review

In This Review: Our Review | Pricing & Plans | Deductibles & Claims | Coverage | FAQ | Conclusion

Healthy Paws Pet Insurance is best known for its affordable coverage that features no lifetime or annual coverage limits on its policies. The company itself has been in operation since 2009 and prides itself in offering dependable pet coverage and maintaining its high customer ratings. Due to this, we’ve rated Healthy Paws a solid 4.7 out of 5. Keep reading to learn more about what this company has to offer so you can determine whether it’s the right insurance plan for your pet.

Our Verdict

We give Healthy Paws Pet Insurance a rating of 4.7 out of 5 stars.


Healthy Paws Pet Insurance Review

Pros
  • Offers a 30-day free look period
  • Allows you to choose any licensed veterinarians
  • No caps on payouts and claims
  • Most genetic conditions are covered
  • Claims made via an app
Cons
  • Offers no preventative or wellness care
  • Wait times are long
  • Reimbursement and deducible options may change for unenrolled pets as they age
  • Charges a one-time administration fee of $25
  • Offers no coverage for cremations and burials

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Our rating: 4.0 / 5
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Best Holistic Coverage
Our rating: 4.3 / 5

About Healthy Paws

As one of the most reputable pet insurance companies in the United States, Healthy Paws offers coverage to pets in all 50 states. They are best known for their comprehensive coverage, quick turnaround on claims, amazing customer service, and competitive pricing. They also show how much they care about animals by donating to animal shelters with each quote retrieved.

The simplicity of Healthy Paws policies helps attract new purchasers. They only offer one plan, a comprehensive coverage plan. You can adjust this plan to reimburse between 70% and 90% as they have no 100% reimbursement options. The policies also have strict guidelines when it comes to hip dysplasia, an issue many large-breed dogs suffer from.

Like any pet insurance plan, Healthy Paws has both its pros and cons. Let’s dive deeper so you can see the breakdown of their coverage and learn more about their solid insurance offerings.

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Pricing & Plans (Updated in 2023)

Here’s a look at how Healthy Paws Pet Insurance compares to some of the other popular pet insurance providers. As you can see, their prices are slightly higher than plans by Lemonade and Fetch but quite affordable when compared to the offerings of Wagmo.

Pet Insurance Cost Comparison

Company

Sample Monthly Cost For Dogs

Sample Monthly Cost For Cats

Learn More

Healthy Paws $45 $25 Get Quote
Lemonade $19.44 $11.00 Get Quote
Spot $36.54 $16.51 Get Quote
Wagmo $70.12 $30.88 Get Quote
Trupanion $29.70 $12.22 Get Quote

*Please note that quotes are subject to change and are dependent on breed, age, zip code/location) and date of quote*


Base Policy

The Comprehensive Coverage Plan offered by Healthy Paws is considered one of the best in the industry. What people love about this policy is the number of illnesses and accidents it covers, along with hereditary and congenital conditions your pet may develop. While the company offers no wellness plan, it will cover special situations such as testing, surgeries, hospital stays, emergency visits, prescription medications, and alternative therapies.


Customizations

Healthy Paws does little in the way of customizations. With the company only offering one Comprehensive Coverage Plan there aren’t lots of add-ons you can take. What you can customize, however, are your deductibles and reimbursement percentages. This should be done when you pick up the policy so it has time to take effect.

Deductibles offered:
  • $100, $250, and $500 deductibles for cats and dogs under 5 years old
  • $250, $500, and $750 deductibles for cats and dogs between the ages of 6 and 7
  • Dogs and cats 8 years and older have deductibles of $750 or $1,000
Reimbursements offered:
  • 70%, 80%, and 90% for cats and dogs under 5 years old
  • 60%, 70%, and 80% for cats and dogs between the ages of 6 and 7
  • Dogs and cats 8 years and older have reimbursements of 50% and 60%

Healthy Paws Pet Insurance Price Comparison for Dogs

Golden Retriever

Yorkshire Terrier

Male or Female Male Male
Age 4 years old 4 years old
Location Raleigh, NC Raleigh, NC
Reimbursement Level 80% 80%
Annual Deductible $250 $250
Annual Max unlimited unlimited
Price per month $67.79 $36.67
Breed Name Under 1 5 Years Old
Labrador Retriever $45.02 $56.08
Border Collie $24.35 $30.33
Miniature Poodle $30.47 $37.95

*Please note that quotes are subject to change and are dependent on breed, age, zip code/location) and date of quote*


Deductibles & Claims

Deductibles with Healthy Paws can be tailored to fit your financial needs. Prices can be set at $100, $200, and $500. Keep in mind, however, that choosing the lowest deductible may not always be the smartest choice. The lower your deductible is, the higher your monthly premiums will cost. It’s still nice to have the option of choosing pricing that is best for you.

Filing claims with Healthy Paws is easy and convenient. There are no caps or limits on payouts, and claims can easily be made on the Healthy Paws app. Once claims are made, the company is quick to make the reimbursements you’ve chosen with your plan if your deductible has been met.


What Does Healthy Paw Pet Insurance Cover?

By offering one policy option, Healthy Paws Pet Insurance keeps things simple. Luckily, that one Comprehensive Coverage Plan covers both illnesses and accidents. Here’s a look at the coverage your pet can expect with this policy.

  • Poisonings
  • Sprains
  • Broken bones
  • Stomach issues
  • UTIs
  • Ear infections
  • Hereditary Issues
  • Congenital Issues
  • Chronic Illnesses
  • Cancer screenings and treatment
  • Hospitalizations
  • Alternative therapies approved by the FDA
  • Specialty and emergency care
  • X-Rays
  • Blood tests
  • Ultrasounds
  • Prescriptions
  • Surgery

Healthy Paws Pet Insurance offers both 70% and 80% reimbursement options to choose between. You’ll also find their deductibles are simple as well. You can either pay a $100, $250, or $500 deductible for pets under 5. Reimbursement and deducible options may change for unenrolled pets as they age. The company also has unlimited coverage with no caps, which is one of the reasons they are such a popular option.

Coverage Item Annual Limit
Ultrasounds Unlimited
X-Rays Unlimited
Blood Tests Unlimited
Cancer Treatments Unlimited
UTI Unlimited
Sprains and Broken Bones Unlimited
Covered
  • Emergency care
  • Hospitalizations
  • Prescription Medications
  • Diagnostic Testing
  • Surgery
  • Chronic Illness
  • Hereditary and Congenital Illnesses
Not Covered
  • Pre-existing conditions
  • Examination fees
  • Preventative care
  • Wellness care
  • Behavioral treatments
  • Routine Dental Care

Pre-Existing Conditions

Healthy Paws does not offer any coverage for pre-existing conditions. These are conditions that the pet has had or shown signs of before the purchase of a policy. To avoid these types of situations, the company requires an exam of the pet before a policy can be purchased.


Waiting Periods

Once a policy is purchased with Healthy Paws it will take 15 days for coverage to begin. Hip dysplasia treatments require a 12-month wait. You’ll also find that Healthy Paws doesn’t cover hip dysplasia in pets 6 and older. They are one of the harder insurance companies to work with when it comes to this issue.


Reviews from Customers

Where Healthy Paws excels with its customers is its excellent customer service and simple process. Many reviewers have raved about the care the agents show and how the company steps up to help needy animals. The quick claims process is also a high point with reviewers. Most bad reviews for the company come from denied claims and users not understanding their policies. The pricing, reimbursement and deductible option changes for unenrolled pets as they age are other issues customers have with the company.


FAQ

Who underwrites the policies offered by Healthy Paws?

Policies are underwritten by Westchester Fire Insurance Company. They are a member of the Chubb Group and offer several types of insurance coverage globally.

Does Healthy Paws Pet Insurance offer coverage for other household pets?

No, Healthy Paws only offers coverage for cats and dogs.

Does Healthy Paws Pet Insurance cover cremations and burial expenses?

No, they do not. But they will cover euthanasia if it’s needed.

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Our Verdict

As you can see, Healthy Paws Pet Insurance is a solid option for pet owners. They offer a simple Comprehensive Coverage Plan that is designed to help with emergencies and accidents your cat or dog may suffer. They even have customizable deductibles and reimbursements to help you with costs. Unfortunately, however, if you’re looking for assistance with wellness and exam fees, this may not be the right choice for you.

Check out some of our other pet insurance reviews:

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