Healthy Paws Pet Insurance & Foundation

Healthy Paws Pet Insurance & Foundation

 4.3/5 (342 reviews)
Healthy Paws Pet Insurance & Foundation

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Overall Rating4.3 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.

Top Healthy Paws Pet Insurance & Foundation Reviews

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Rated with 5 stars

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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Rated with 5 stars

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

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Page 1 Reviews 0 - 5
Rated with 5 stars
Verified Reviewer
Original review: 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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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: 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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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: 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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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 14, 2022

    I would recommend Healthy Paws to furry baby parents who are looking for good insurance or thinking of getting one. I got my Bichon puppy from an AKC heart-rated breeder and expected him to be healthy. I did the internet search for pet insurance and chose healthy paws when he was 3-month. Now he is 2-year and is diagnosed with luxation patella. A surgery fix was suggested by the vet and the cost was around 3K. I can't tell you how frustrated I'm to hear this news. I did a lot of work to find a well-rated breeder and chose the almost most expensive one, but my baby still suffers from a health problem.

    I talked to the breeder and she said this puppy was the first sick one in her 30+ years of experience. I couldn't tell if she said the truth, but anyway, the accident could happen and I'm grateful that I enrolled my baby in the insurance when he was young so this accident was covered. Going through surgery with your pet is super tough, it's even tougher than getting the surgery on yourself both physically and mentally as well as economically, and the insurance now plays an important role and makes sure you don't need to "give up" therapy due to budget.

    The reimbursement process of healthy paws is very fast, my first claim was processed using around 1 week, and my later claims were processed using 3 days. They also don't increase premiums a lot when your pet gets older compared to other insurance. If you're thinking of enrolling your pet, just do it as early as possible since the insurance doesn't cover pre-existing conditions. There's only 15 days waiting period which is short compared to other insurances.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 7, 2022

    Healthy Paws has been nothing short of amazing for our dog Teddy. This was our first pet we had insured and it was mainly only done due to hip dysplasia worries. We enrolled him as soon as we got him in 2015. Teddy is an Akita/German Shepherd mix and past experiences with dogs that big have always had arthritis and hip issues down the road. So we enrolled him in 2015 on the 90% coverage, $100 annual deductible plan. It has been a literal lifesaver for him and our family and likely one of the best decisions I have ever made in my life.

    I tried Figo Pet Insurance with 2 of my other dogs and they have been nothing but headaches and drama dealing with 1 of my dogs who sadly passed due to osteosarcoma spreading to his spine. They take weeks and weeks to look at your claims and in his case it was usually almost always denied or with a problem. Sometimes they would cover bloodwork, sometimes they didn't. It was crazy, a nightmare to deal with and I highly recommend everyone avoid Figo at all costs.

    HealthyPaws has never had that sort of problem. They have covered little things like UTIs, monthly glucosamine shots and antibiotic meds. But they also have covered MAJOR life-threatening things without any issues for Teddy. Teddy had a mast cell tumor removed from his chest in fall of 2017 after adopting him. Every penny of that bill which was over $3,000 was covered with no issues at all. In fact, only ONE time in roughly 100 claims have I ever had a issue and all it took was a simple phone call for that to be resolved. The turnaround times are very reasonable and fast, never takes more than a week or two tops.

    In June 2022, Teddy started having severe neurological signs and a brain tumor was suspected. To make a very long story short, he ended up having to have stereotactic radiation and chemo. This is certainly not cheap, his bill was roughly $15,000. HealthyPaws paid EVERY single penny of it except the usual things they do not cover (exam fees etc). I was reimbursed for 90% of that entire bill. They even emailed me to check and see how he was doing. They just spent over 13k on Teddy and still care enough about him to see how he was doing. HealthyPaws is amazing and I won't even consider another pet insurance company moving forward.

    He gets his bloodwork checked almost every week now, monthly chemo meds and other meds. All of this is covered without issue and pet owners know how expensive weekly blood tests can be. HealthyPaws is AMAZING, I cannot stress this enough. I have already recruited a friend to enroll their new puppy with them and I hope this review can help others make the proper choice here also. Teddy is thus far doing as well and roughly 90% of his former self. Our family and Teddy owes this all to the wonderful care he got from the doctors but also HealthyPaws. I will never use another pet insurance provider, HealthyPaws care of Teddy has made me a fan for life.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 19, 2023

    Healthy Paws has provided me the financial means to pursue treatment for my four legged boy that I would not have without them. I purchased Healthy Paws insurance years ago specifically for times like now where I never wanted money to be why I couldn't care for my dog. I can't recommend enough. Very simple claims process as well.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 15, 2023

    Excellent customer service -- very responsive and timely. Fair and thorough -- explained very well -- have no complaints -- pricing is very affordable and forms to be filled out are easy and simple enough to understand. All in all, good value for money.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 15, 2023

    I'm using this insurance for my adopted dog since 2016 and I'm very satisfied with it. My submitted claims always processed in timely matter. I get notifications by email about process of the claims and the results. If claim is eligible for reimbursement, I receive the checks on time. Now, when my dog has some medical issues, this insurance helps me to pay for his treatment. I always recommend it to my friends.

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    Rated with 5 stars
    Verified Reviewer
    Original review: April 13, 2023

    I have had Healthy Paws since 2017 and have had only a positive experience with them. My dog, Faith, was a rescue and came from an abusive situation at just 6 months. Unfortunately as she’s grown older (she’s turning 7 this year) from the trauma and abuse she experienced, she has needed surgeries which were all covered and I never once felt as though my claims would be denied or there would be any issue getting them processed. Communicating with customer service has always been great and I always recommend Healthy Paws to anyone who is adopting a new family member.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: April 11, 2023

    My husband and I debated purchasing pet insurance for our German Shepherd Husky Mix. But, that quickly changed when we had to come out of pocket almost $3,000 for an ER visit when she was 2. Since then (she's now 11) this insurance has paid for itself! It is extremely easy to submit claims and reimbursement occurs within days. I highly recommend Healthy Paws!

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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