Healthy Paws Pet Insurance Review

Healthy Paws pet insurance offers no maximum per-incident, lifetime, or annual payouts – meaning ultimate coverage for your furry friend. However, it may not be the best option for owners of older pets as the deductibles and reimbursement levels change as your pet ages. On the plus side, customers are happy with the 24/7 helpline, easy-to-submit claims using the app, and the option for reimbursements to be paid directly to your vet. You can also get insured with Healthy Paws knowing you’re helping animals in need, as the Healthy Paws foundation has donated over $1.6 million to homeless pets as of 2021. ‘Every quote gives hope’.

Table of contents

Our Healthy Paws rating

Overall score

4.8
star star star star star

Speed of claims

5.0
star star star star star

Customer service

5.0
star star star star star

Claims procedure

5.0
star star star star star

Easy to understand

4.0
star star star star star

Value for money

4.0
star star star star star

Pros & Cons of Healthy Paws pet insurance

  • No annual limit on pay-outs
  • Pays vets directly
  • 24/7 pet telehealth line
  • 12-month waiting period for hip dysplasia & no coverage if a pet is enrolled aged 6+
  • Vet exam fees not covered
  • Deductibles and co-pay less favorable as pet ages

How does Healthy Paws pet insurance work?

Healthy Paws has one comprehensive pet insurance plan to keep things simple and most of the paperwork is handled online. By signing up to a customer account you can submit claims via the website or app and access all your policy details. Healthy Paws will take a monthly fee from you which will be calculated using factors such as the age and breed of your pet, where you live and the customizable options you choose such as your reimbursement percentage and deductible amount.

The benefits of Healthy Paws pet insurance

Most pet insurers will have a maximum annual payout limit which isn’t ideal for accident-prone pets and might mean you can’t afford vet bills later in the year. Avoid this stress with Healthy Paws, which has no limit on individual, annual, or lifetime claim amounts. There’s also a dedicated 24/7 helpline for emergency support and advice. Most claims are approved and processed within two days so you don’t have to stay out of pocket for long. You can even request to have your vet reimbursed directly meaning you can avoid paying the whole bill up front and simply settle the outstanding amount after any co-pay and deductible.

Healthy Paws plans explained

Take the hassle out of pet insurance with Healthy Paws; there’s one simple and comprehensive plan which covers all pets for both illness and accidents. Even if you customize your deductible and reimbursement level, the helpful no annual claim limit will still apply. These percentages will change as your pet ages, however. There are no additional wellness plans or routine care packages that you can add on.

What does Healthy Paws pet insurance cover?

Healthy Paws pet insurance covers accidents, illnesses, alternative therapies, emergency care, surgery, hereditary and congenital conditions, specialty care, X-rays and tests plus prescription medication. It’s a pretty comprehensive list which reviewers rate highly.

Healthy Paws coverage vs. other insurers

How does Healthy Paws stack up against America’s other providers? Have a look at our handy table!
Scroll to compare
HealthyLemonadeManyPetsEmbraceFigoPetsASPCASpotTrupanionFetchPumpkinWagmoNationwide
Annual coverage optionsUnlimited$5000, $10,000, 
$20,000+$10,000, 
$30,000+$5,000, $8,000, $10,000, $15,000, $30,000$5,000, $10,000, Unlimited $5,000, Unlimited $3,000, $4,000, $5,000, $7,000, $10,000$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited Unlimited $5,000, $10,000, Unlmited $10,000, $20,000, Unlimited $20,000$10,000, Unlimited
Deductible options$100, $250, $500, $750, $1,000$100, $200, $500$100, $200, $500$200, $300, $500, $750, $1,000$100, $250, $500, $750$50, $100, $200, $250, $500, $1,000$100, $250, $500$100, $250, $500, $750, $1,000$0 - $1,000$300, $500, $700$100, $250, $500$250, $500, $1,000$250
Reimbursement options50%, 60%, 70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%, 100%70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%50%, 90%70%, 80%, 90%90%90%, 100%50%, 70%, 90%
When does coverage start?15 daysImmediate2 weeks2 weeks 2 weeks 14 days 15 days14 days 5 days15 days14 days 15 days14 days
Maximum age at sign up1414 years12 years14No MaximumNo MaximumNo MaximumNo Maximum 14No maximum No Maximum 14 years10 years
Are vet exam fees included at no extra cost?
Are dental accidents covered?
Are dental illnesses covered?
Is there a wellness plan offered?
Is there a virtual vet/telehealth service?
End of life coverage
Is there a multi-pet discount offered?
Is there a charge for paying monthly?
Is there an app to make claims?

*Coverage is based on choosing unlimited coverage, 250 deductible and 90% reimbursement

Is Healthy Paws pet insurance good value for money?

For younger pets, Healthy Paws is an affordable pet insurance provider. Value for money is gained from the lack of an annual or lifetime claim limit. However, if you’re looking for insurance for an older pet be aware that the deductible amount and reimbursement percentage will change as they age. You might end up paying a higher proportion of the vet bill.

4-month-old
 Mixed Breed Medium 2-year-old 
Golden Retriever 6-year-old Domestic Shorthair Cat
Los Angeles New York Florida
Healthy Paws $50.53/month $55.42/month $44.27/month
Pumpkin $65.54/month $87.30/month $30.39/month
Lemonade $36.67/month $47.59/month $19.58/month
Fetch $48.02/month $35.78/month $24.81/month

How good is Healthy Paws’ customer service?

Generally, the people who reviewed Healthy Paws were pleased with the customer service they received. Most claims were paid within two-three days and the 24/7 helpline was seen as a major benefit for customers needing immediate support.

How do I contact Healthy Paws?

Healthy Paws can be contacted by phone (855-898-8991), fax (888-228-4129) or via direct message on social media – Facebook, Twitter, Instagram. The 24/7 Helpline is accessible via the app and the mailing address is Healthy Paws Pet Insurance, P.O. Box, 50034, Bellevue, WA 98015.

What is Healthy Paws’ Claims process?

Those who still love paperwork can download a claim form from the customer center and send it to Healthy Paws along with an itemized invoice via email (claims@healthypawsinsurance.com) or by post. Tech lovers can simply upload a photo of their invoice to the app or the website and fill in a few details about their claim. Claims submitted online are generally processed faster, with claims made on the app receiving funds within two days on most occasions.

How much will Healthy Paws pay for my claim?

Healthy Paws offers up to 90% reimbursement of claims, but this amount will change as your pet ages. Dogs and cats aged eight or above can only qualify for 50-60% of the vet bill. You can select your reimbursement percentage when you sign up for pet insurance.
Average
Vet Bill
Cash back w/ 50% Cash back w/ 60% Cash back w/ 70% Cash back w/ 80% Cash back w/ 90% Difference between 50% & 90%
Cancer $8,137 $4,068.50 $4,882.20 $5,695.90 $6,509.60 $7,323.30 $3,254.80
Hip Dysplasia $3,490 $1,745.00 $2,094.00 $2,443.00 $2,792.00 $3,141.00 $1,396.00
Swallowed Object $3,262 $1,631.00 $1,957.20 $2,283.40 $2,609.60 $2,935.80 $1,304.80
Lock Jaw $1,892 $946.00 $1,135.20 $1,324.40 $1,513.60 $1,702.80 $756.80

Are there any exclusions?

Like most pet insurers, Healthy Paws doesn’t cover pre-existing conditions, but it's worth noting that neither are exam fees and preventative treatments. Routine care is also excluded in the standard plan. Pets aged six or older upon enrolment are not covered for hip dysplasia.

What are the waiting periods for conditions?

The waiting periods for Healthy Paws are slightly longer than other competitors, with both accident and illness cover kicking in after 15 days. There’s also a 12-month waiting period for hip dysplasia if your pet is aged under six years old.

How quickly does Healthy Paws pay claims?

Most claims are processed within 10 days and reimbursed within 24 business hours if approved. Customers who have opted to receive their claim by check in the mail should expect to wait up to 10 days. Direct deposit payments can also take up to 10 days to process depending on your bank.

Can I customize my Healthy Paws plan?

Yes, you can choose your deductible amount and reimbursement percentage. However, there is no annual limit for Healthy Paws plans (win, win) or wellness plans to add to your policy.

State availability for Healthy Paws

Healthy Paws provide cover at any US licensed veterinary clinic. This includes emergency and speciality animal hospitals.

Verdict: Is Healthy Paws pet insurance good?

Sometimes, simplicity is king. With a single plan and no additional wellness options, Healthy Paws offer you just that. You’ll get great value for money as there’s no maximum limit for incident, annual or lifetime claim amounts, meaning you can claim as many times as you like if you have a clumsy pet. However, the waiting periods are on the long side at 15 days and those looking for cover to help with examination fees, preventative treatment or hip dysplasia in older pets might want to look at other providers.

Our Healthy Paws rating

Overall score

4.8
star star star star star

Speed of claims

5.0
star star star star star

Customer service

5.0
star star star star star

Claims procedure

5.0
star star star star star

Easy to understand

4.0
star star star star star

Value for money

4.0
star star star star star