Healthy Paws Pet Insurance & Foundation

Healthy Paws Pet Insurance & Foundation

Healthy Paws Pet Insurance & Foundation

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Overall Rating4.8 out of 5
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About Healthy Paws Pet Insurance & Foundation

Healthy Paws Pet Insurance offers one type of plan, which keeps the application process simple for customers who need standard coverage. Customers can submit claims online or using the company's mobile app, and it responds to 99 percent of claims within two days.

Pros & Cons


  • Fast processing
  • No caps on payouts
  • Mobile app
  • Easy-to-understand plan


  • 15-day waiting period
  • Only one plan

Bottom Line

Healthy Paws Pet Insurance makes understanding coverage simple. Healthy Paws only offers one plan, which makes it slightly limiting. However, its mobile app makes the application and claims process simple.

Featured Reviews

Reno, NV

My chihuahua terrier completely tore his ACL and the surgery was complicated and costly. ... Luckily, Lucas had been serviced by Healthy Paws and ... I ended up paying only $500 f...

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Andover, MA

When our dog unfortunately had back surgery to fix a herniated disc, [the claim] was handled smoothly and quickly. Thanks to Healthy Paws, we were compensated within a fair time f...

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How does Healthy Paws Pet Insurance work?

Healthy Paws Pet Insurance helps customers cover the cost of unexpected medical expenses for their pets for a monthly price starting at around $15 for cats and $20 for dogs. Customers can go to the company's website or use its pet insurance app to apply for coverage and submit claims. The company processes 99% of claims within two days. Once approved, your pet's coverage starts after a 15-day waiting period.

Healthy Paws Pet Insurance plans

Healthy Paws Pet Insurance offers one straightforward plan that covers up to 90% of the bill for accidents, illnesses and emergency care. Healthy Paws doesn't put a cap on lifetime, annual or per-incident claim payouts. The plan doesn't cover preexisting conditions, but this is typical of most pet insurance carriers.

For cat and dog plans, Healthy Paws covers* the following:

  • Illnesses
  • Accidents
  • Hereditary conditions
  • Congenital conditions
  • Chronic conditions
  • Cancer
  • Diagnostic treatment
  • X-rays, blood tests, ultrasounds
  • Surgery
  • Hospitalization
  • Prescription medications
  • Emergency care
  • Specialty care
  • Alternative treatment

*Not applicable for preexisting conditions.

Healthy Paws Pet Insurance cost

The Healthy Paws Pet Insurance cost for monthly premiums starts at $15 for cats and $20 for dogs, but the average monthly premium is around $30. Healthy Paws reimburses up to 90% of your bill and provides three deductible options: $100, $250 or $500. The main factors that determine your pet insurance rates are where you live, your plan's deductible, the type of animal you're insuring and its age and breed.

Before your pet receives coverage, it must be examined to determine your overall cost and to screen for preexisting conditions.

Healthy Paws FAQ

Does Healthy Paws cover medications?

Yes, Healthy Paws Pet Insurance covers the cost of prescription medications. It does not cover the cost of medications for behavioral modifications.

How do I make a claim with Healthy Paws Pet Insurance?

Customers can submit their Healthy Paws Pet Insurance claim form via email, fax or mail. They can also upload their paid invoice online or fill out the claim form on their smartphones by using the company's mobile app.

Does Healthy Paws cover allergies?

Healthy Paws Pet Insurance helps cover the cost of allergies if the symptoms were not present during enrollment.

Does Healthy Paws cover blood work?

Yes, Healthy Paws Pet Insurance covers blood tests when prescribed by a veterinarian.

Is Healthy Paws Pet Insurance good?

Healthy Paws Pet Insurance is an excellent option for people who want a simple, no-hassle pet insurance policy. The company has a fast and simple claims process, and its plan leaves little room for confusion when it comes to coverage and how to file a claim. The lack of options may deter some customers, but Healthy Paws' single plan is a fine option for most pet owners.

Healthy Paws Pet Insurance & Foundation Reviews

ConsumerAffairs has collected 597 reviews and 595 ratings.

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Page 1 Reviews 0 - 5
Verified purchase
Customer ServiceClaims HandlingStaff

Reviewed Aug. 29, 2023

Amazing Service: Exceptional customer service is often a critical factor in the success of any insurance provider, and it seems that Healthy Paws has excelled in this regard. They likely have a responsive and helpful customer support team that is readily available to assist with any questions or concerns you may have had. This aspect of their service can greatly contribute to your overall satisfaction.

On-Time Reimbursement: One of the most significant benefits of pet insurance is the ability to receive reimbursement for veterinary expenses. Timely reimbursement is crucial because it ensures that you can quickly recoup the costs incurred during your pet's medical treatment. The fact that Healthy Paws provides on-time reimbursement suggests efficiency in their claims processing, which can be a huge relief during stressful times when your pet requires medical attention.

Assistance with Expensive Surgery: Pet surgeries can be financially challenging, and they can also be emotionally taxing for pet owners. It's wonderful to hear that Healthy Paws has been there to support you during such times. Their coverage for expensive surgeries can significantly alleviate the financial burden associated with these procedures, allowing you to focus on your pet's well-being rather than worrying about the cost.

Being the Best: Your statement ends with the assertion that Healthy Paws is "the best." This speaks to your high level of satisfaction with their service. Being considered the best in any industry typically implies that a company consistently goes above and beyond in meeting customer needs and expectations. It's a strong endorsement of Healthy Paws' commitment to pet owners and their pets.

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    Claims HandlingStaff

    Reviewed April 3, 2023

    This is the first time I have ever had pet insurance. I’ve had dogs my entire adulthood. I now have three active purebred dogs ranging in age from three to down to nine months. All of my dogs have been adopted or fostered. For some reason after I adopted second one, when the veterinarian asked me if I had pet insurance, and I said, no, I went home and started researching. All of my other dogs have been quiet toy breeds, but these three are pretty wild and crazy. I always thought pet insurance was kind of a waste of money to be honest. I had heard some stories in which pet insurance just didn’t really pay anything or that there was a huge deductible, etc. When I got home from the vet, I started doing some research and landed on Healthy Paws Pet Insurance because of the deductible, premiums and no lifetime maximums.

    Not long after this we decided to foster a puppy. She appeared to be healthy and perfect. But after we had her for a few weeks it was clear she was having some issue. I took her to my vet who sent her to a specialist. She had have surgery. We were devastated. Not only were we so worried about our puppy, but we were worried about the money. Never have I been so grateful as I have been for Healthy Paws! They paid our claim so quickly and it was so easy. I just uploaded the receipt and the doctor's note online and they sent me a check about three days later! I cannot say enough good things about them. I HIGHLY recommend Healthy Paws as pet insurance!!

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    Customer ServiceClaims HandlingStaff

    Reviewed Jan. 11, 2023

    Boudreaux, 3 1/2 years old, is our 5th golden retriever over the past 40 years. We never purchased pet insurance before this one. The reason, our previous golden developed Osteosarcoma at age 8 and required hospitalization and an amputation - very expensive and heartbreaking. He died 6 months later - way too young. We got Boudreaux as a pup and signed him up for Healthy Paws Pet Insurance. When he was about 4 months old, he developed a bowel obstruction from eating kelp during a trip to the beach. He required emergency surgery which saved his life. The Healthy Paws online claim process was efficient and clearly delineated. Just 3 weeks ago he became lethargic and developed a fever.

    Turns out, despite being on Simparica, he had anaplasmosis, a tick-borne disease that caused his platelet count to drop precipitously to life-threatening levels. Because we had insurance, we didn't hesitate to take him in, and good thing we did when we did. He was accurately diagnosed and responded promptly to treatment. Again - Healthy Paws came through. We received a check in the mail just 5 days after the claim was submitted online. Not only that, but we received an email inquiring about his health. We couldn't be more pleased. We highly recommend not only having pet insurance for your beloved pet, but using Healthy Paws. Without insurance, we might have waited too long to take our boy in.

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    Customer ServiceClaims Handling

    Reviewed Jan. 5, 2023

    After having Healthy paws for 5 years without much of a need for them, my dog began having spinal issues and IVDD surgery twice which I was billed $9k each time! The first time expensing it to Healthy Paws was a little bit of an effort since they do need the official full historical report from your vet before paying anything out. However, the second time was seamless--I had made 5 easy claims up to the point of the surgery and they quickly paid me out each time, all they need is the official invoices.

    Something important things to be mindful of that may result in disappointment--but I think these are the case with any pet insurance:

    1. As far as I know--they do NOT COVER PRE-EXISTING CONDITIONS, hence the need for the full medical report before they begin paying out. In our case, they paid out every claim that wasn't a pre-existing issue without issue.

    2. There is a deductible that resets once a year before they cover anything, as well as a % they'll pay after you hit that--but you choose that deductible and the % that pays out.

    3. They DO NOT COVER VISITATION FEES, and they make this very clear. So, you may go to a vet 5 times racking up quite the visitation feeds that aren't covered, but they'll cover any treatment & tests beyond that.

    4. Once you make a claim, you can't change your plan, so you're either locked in, or go somewhere else that won't cover any new pre-existing conditions that occurred.

    Outside of these, Healthy Paws really has great customer service on the phone every time I've called, and they've paid out quite quickly and efficiently on every claim.

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    Verified purchase

    Reviewed Oct. 29, 2022

    I am so grateful to have chosen Healthy Paws as my dog's insurance policy company. My dog started to limp at a very young age and a few months after extensive imaging was diagnosed with Elbow Dysplasia and needed to get surgery. Healthy Paws and their customer service was and continues to be absolutely impeccable. They always review the claims within 2-3 days, keep you updated with every step of the process, and will let you know once the claim has been reviewed and completed.

    The reimbursement checks are sent out within 2 days of reviewal and completion of claims. They are quick, efficient, and very professional. I wouldn't have been capable to afford the all of the medical bills if I didn't have Healthypaws. One CT scan was close to ~ $1,800, not to mention x-rays, medications, Rehab! Having a sick/injured pet is extremely stressful, and even though all pet owners want to provide their fur companions with the best care, finance is a concern when the bills begin to add up to multiple thousands. Knowing that I had Healthypaws, made it so I had one less thing to worry about. I didn't have to worry about waiting for months before getting the reimbursements, I could provide my fur baby with the proper medical care he needed and I can't thank Healthypaws enough for that.

    The only con I feel the need to mention is that there's no regulations in regards to premium change, our monthly premium went from ~ $37 a month to ~$51 a month in 2 years (my dog is 2 years 1/2 years old), there's no telling how high the premium can/will increase. In summary, Healthypaws is an insurance company you won't regret getting.

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    Claims Handling

    Reviewed Sept. 12, 2023

    Cost, coverage and ease of the claims process warrants nothing less than 5 out of 5 stars. I've been with Healthy Paws for about 5 years and have filed a few claims. I am extremely impressed with how simple it is to file a claim and how quickly claims are processed and finalized. I highly recommend Healthy Paws without reservation.

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    Verified purchase

    Reviewed Sept. 9, 2023

    My dog tore both of his ACLs, one in the spring and then the other shortly thereafter in the early fall. Both times I simply uploaded the invoice from the surgeon to the Healthy Paws website and then received a reimbursement check in less than a week. It's an expensive surgery, especially to have twice, and I'm so glad I chose to get pet insurance and chose this company.

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    Customer ServiceClaims Handling

    Reviewed Aug. 29, 2023

    Our neighbor's invaluable suggestion led us to Healthy Paws as we embarked on the journey of bringing home our beloved Havanese puppy, who has now blossomed into a vibrant 2 1/2-year-old. From the outset, the experience with Healthy Paws has been nothing short of exceptional. The process of submitting claims online has been remarkably seamless, a far cry from the complexities we've encountered with other pet insurance providers in the past. The efficiency of their communication and the swiftness of reimbursement have consistently left us pleasantly surprised.

    In stark contrast to our prior experiences with various pet health insurance companies, which often proved to be sources of frustration, Healthy Paws has been a breath of fresh air. Their commitment to delivering prompt and hassle-free service has genuinely transformed our perspective on pet insurance. Without hesitation, we wholeheartedly endorse Healthy Paws to fellow pet enthusiasts who share the same deep affection for their furry companions and strive for nothing but the best in their care.

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    Claims Handling

    Reviewed Aug. 26, 2023

    I have dealt with multiple human and pet insurance companies in my lifetime and none have been as easy to deal with as Healthy Paws. The claims submission process is incredibly streamlined, the turnaround time for reimbursement is quick, and it is easy to access benefits. Other companies put up many barriers to accessing benefits, so it is much appreciated to not have to deal with that while also caring for a sick pet.

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    Claims HandlingStaff

    Reviewed Aug. 10, 2023

    I signed up for Healthy Paws a couple months ago after reading about a cat having surgery after eating hair bands and commentor suggested Healthy Paws. Two weeks ago we had to rush my sweet cat to the ER because he was having trouble breathing. Turns out he is suffering from hypertrophic cardiomyopathy. Since then he has had to be hospitalized 5 times while we work to figure out what is causing it and get his medications right. He is finally beginning to get better. We would not have been able to afford the treatment he is getting if it were not for Healthy Paws. Submitting a claim is simple and processing the claim is quick. Payment is also issued quickly. They even have direct deposit. Several coworkers have asked me about Healthy Paws for their pets. I could not recommend them enough.

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    Healthy Paws Pet Insurance & Foundation Company Information

    Company Name:
    Healthy Paws Pet Insurance & Foundation
    Year Founded:
    PO Box 50034
    Postal Code:
    United States