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We give Healthy Paws Pet Insurance a rating of 3.5 out of 5 stars
Healthy Paws Pet Insurance Review
- No annual payout limits for claims
- Directly pays your vet for eligible claims
- 24/7 access to telehealth services
- Reimbursement and deductible options change during enrollment depending on your pets age
- No wellness care coverage
- 12-month waiting period for hip dysplasia and no coverage after age 6
- Does not cover examination fees for accidents or illnesses
Other Top-Rated Pet Insurance Companies
About Healthy Paws
Healthy Paws offers quality accident-and-illness coverage with no annual limits for payouts. This is ideal for customers who want this type of coverage because they won’t have to worry about maxing out their claims.
Healthy Paws is best for pet owners signing up for coverage when their pets are young. Deductibles go up and reimbursements go down for older animals, and hip dysplasia isn’t eligible for coverage. If you are looking for a policy that will help with expenses for your senior pet, Healthy Paws is not the best choice.
Pricing & Plans (Updated in 2025)
Pet Insurance Cost Comparison
| Company | Average Monthly Cost For Dogs | Average Monthly Cost For Cats | Learn More |
| Healthy Paws | $49 | $19 | Get Quote |
| Lemonade | $46 | $27 | Get Quote |
| Embrace | $20 | $10 | Get Quote |
| Trupanion | $131 | $51 | Get Quote |
| Fetch | $35 | $20 | Get Quote |
| Spot | $38 | $17 | Get Quote |
* Prices vary depending on your pet’s age, breed, and location. Averages updated January 2024.
Base Policy
Healthy Paws offers one simple accident-and-illness plan to help with unexpected vet bills for your dog or cat. There are different deductible choices with this plan and different reimbursement options. The higher your deductible is, the lower your monthly premiums.
Every policy with Healthy Paws covers unexpected accidents or illnesses, and there is no cap on payouts.
Reimbursement rates: 50, 60, 70, 80, 90%
Deductibles: $100, $250, $500, $750, $1,000
Customizations
Unlike many other pet insurance companies, Healthy Paws does not offer add-on packages for additional coverage. The only customization options are to choose your deductible and reimbursement levels. These change based on your pet’s age, so there are fewer choices as your pet gets older.
Healthy Paws Price Comparison for Dogs
| Border Collie | Large Mixed Breed | |
| Male or Female | Male | Female |
| Age | 4 | 4 |
| Location | Montana | Montana |
| Reimbursement Level | 80% | 80% |
| Annual Deductible | $250 | $250 |
| Annual Max | None | None |
| Price per month | $35.74 | $53.60 |
*Please note that quotes are subject to change and are dependent on breed, age, zip code/location) and date of quote*
Deductibles & Claims
Healthy Paws offers three different deductibles on its policies. You can choose any of the three options available, but your choices change as your pet ages. Reimbursement percentages also change as your pet gets older.
| Pet Age | Deductible Choices |
| Age 5 and under |
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| Age 6–7 |
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| Age 8 and older |
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| Pet Age | Reimbursement Choices |
| Age 5 and under |
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| Age 6–7 |
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| Age 8 and older |
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What Does Healthy Paws Cover?
Healthy Paws has only one insurance plan option that covers accidents and illnesses.
| Coverage Item | Annual Limit |
| Ear Infection | No Limit |
| Cancer Testing | No Limit |
| Accidental Poisoning | No Limit |
| Prescription Medication | No Limit |
| Emergency Treatment | No Limit |
| Bloodwork | No Limit |
- Accidents like broken bones, poisonings, and cuts
- Illnesses with a sudden onset, like ear infections or urinary tract infections
- Hereditary conditions
- Congenital conditions
- Cancer treatment
- FDA-approved alternative treatments
- Hospitalization due to accident or illness
- Emergency care
- Specialist treatments
- Diagnostic testing like bloodwork, X-rays, and ultrasounds
- Prescriptions
- Emergency surgery
- Pre-existing conditions
- Examination fees
- Routine care or wellness visits
- Routine dental care
- Spaying or neutering
- Daycare or pet boarding
- Behavioral training
- Cosmetic procedures
- Prescription diets
Pre-existing Conditions
There is no coverage available under Healthy Paws pet insurance for pre-existing conditions.
Waiting Periods
It’s normal for pet insurance plans to have a waiting period before your coverage begins. Healthy Paws has a 15-day waiting period for accidents and illnesses, one day longer than most insurance companies, which have 14 days. Some companies, like Embrace, offer a 48-hour waiting period for accident coverage.
There is a 12-month waiting period for hip dysplasia coverage if your pet is enrolled under the age of 6. Pets over the age of 6 will be excluded from this coverage entirely.
Reviews From Customers
Customer reviews for Healthy Paws pet insurance are quite good overall. Here is what pet owners like about it:
- Healthy Paws pays your vet directly, so you don’t have to pay the bill up front.
- Customer service is easily accessed and helpful.
- It honors major claims without hassle.
- Having no annual limit is a huge bonus if your pet gets diagnosed with a severe illness.
- The company is transparent about what is and isn’t covered when you sign up for a policy, so there are no surprises.
FAQ
Who is the insurance underwriter for Healthy Paws?
Healthy Paws insurance policies are all underwritten by Chubb. Which Chubb company issues your policy will depend on your location, but Healthy Paws is available in all states.
Does Healthy Paws have any coverage limits?
Healthy Paws plans have no caps on payouts of any kind. There are no annual limits, lifetime limits, or per-incident limits on coverage.
You can use any licensed veterinarian you choose and receive coverage with Healthy Paws insurance.
Does Healthy Paws cover wellness or preventative care?
Wellness care does not receive coverage under Healthy Paws. This includes but is not limited to vaccinations, heartworm testing, dental care, deworming, and spay/neuter surgery.
Does Healthy Paws cover end-of-life expenses?
Healthy Paws insurance plans will cover the cost of euthanasia when it is considered medically necessary for an eligible condition. Aftercare, including burial and cremation, is not eligible for reimbursement.
Our Verdict
Overall, Healthy Paws pet insurance receives 3.5 out of 5 stars for this review. While it offers competitive pricing and no coverage limits of any kind. When you may need coverage the most is when your options are decreased. There are no options for wellness care add-ons to policies. The ability to have claims paid directly to your veterinarian, however, is a huge plus.
Healthy Paws is a good choice for new pet parents who wish to enroll their pet for emergency coverage within their first years of life. For older pets, there are better coverage options.
PangoVet acknowledges that it is not licensed as an insurance agent, and therefore will not offer any insurance advice, nor recommend a particular coverage, policy, or insurance company.
2 Responses
What is nice about Healthy Paw is that there’s no annual limit or limit per illness. Illness, hospitalization is covered but consultation and follow ups after surgery is not. Follow ups should be part of “illness” making sure pet is recovering well, in my opinion. So what insurance would you consider is the best one compared to Healthy Paws.
Hello Nan,
thank you very much for sharing your personal experience with Healthy Paws. As for your question, you can find our reviews of other pet insurance companies in our guide here: 10 Pet Insurance Company Reviews 2025 Coverage Guide.
Hope this helps!