About
Since 2009, Healthy Paws Pet Insurance has given pet parents peace of mind with accident and illness protection. Customers appreciate the speed of reimbursement and the ability to configure their policy.
Coverage Offered by Healthy Paws
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Price: |
Get a Free Quote |
Overall Rating: |
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Total Reviews: |
4,738 |
Deductible: |
$250, $500, $750, or $1,000* |
Reimbursement: |
50%, 60%, 70% or 80%* |
Annual Limit: |
Unlimited |
Accident Waiting Period: |
Varies by state (0 days or 15 days)** |
Illness Waiting Period: |
15 days** |
Orthopedic Waiting Period: |
Varies by state (30 days or 12 months); not available to pets enrolling at ages 6+** |
Accidents: |
Included |
Illnesses: |
Included |
Wellness: |
Excluded |
Dental Coverage: |
Limited Coverage |
Exam Fee Coverage: |
No |
Direct Vet Pay: |
Yes, with prior approval |
Claims Expiration: |
Within any time of the coverage period of your policy |
Claims Submission App: |
Yes |
Healthy Paws Accident and Illness Coverage
Healthy Paws offers accident and illness coverage for dogs and cats. You can configure your reimbursement rate and deductible to fit your needs. Healthy Paws does not cover routine, preventative, or wellness coverage in this policy or offer it as an add-on.
Deductible Options*
$250, $500, $750, or $1,000
Reimbursement Options*
50%, 60%, 70% or 80%
Annual Limit Options
Unlimited
What’s Covered
Accidents
Alternative Treatments (FDA-Approved)
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Hospitalization
Illnesses
Prescription Medications
Specialty Care
Surgery
X-rays, Blood Tests, Ultrasounds
*Reimbursement and annual deductible options will vary depending on your pet's age and breed.
Policy Exclusions
Healthy Paws Pet Insurance will not pay for costs associated with or resulting from the following:
Pre-Existing Conditions**
Veterinary Examination and Preventative Care
Office visit fee
Veterinary examination fees
Spaying and neutering
Preventive healthcare (vaccinations, titer test)
Flea control
Heartworm medication
Deworming
Nail trim and grooming
Parasite control
Dental health care (excluding injury to teeth caused by accidents)
Bilateral Conditions
Including pre-existing cruciate ligament problems in one leg affecting the cost of future treatment for the other leg
Elective Procedures
Cosmetic procedures
Tail docking
Ear cropping
Declawing
Micro-chipping
Dew claw removal
Ear cleaning
Age-related Exclusions
For pets 6 years of age or greater on the date of enrollment, no coverage for illness related to hip dysplasia
Activity-related Conditions
Conditions arising from a specific activity if the same or a similar activity occurred prior to the pet policy effective date and displayed the propensity for the activity to recur and cause injury or illness to your pet
Preventive Healthcare Implementation
Claims arising from the lack of use and/or implementation of preventive healthcare products and/or methods when such products and/or methods would be per generally accepted veterinary standards.
Routine healthcare includes vaccinations, spay and neuter, flea control, heartworm medication, deworming, dental care, ear plucking, grooming, and prudent regular care.
Breeding-related Conditions
Breeding or conditions relating to breeding, whelping, and queening
**A pre-existing condition means that the condition first occurred or showed clinical symptoms before your pet’s coverage started (or during waiting periods). The Healthy Paws pet insurance plan protects you against future conditions. See a sample policy for a complete list of exclusions.
Requirements of Policy Holders
The waiting period varies by state, see a sample policy for more information
Pet must be enrolled before the age of 6 years old for hip dysplasia coverage
The minimum enrollment age is 8 weeks, maximum enrollment age is 14 years***
In some states, your pet must have undergone a complete clinical examination within a defined time period prior to or shortly after enrollment – see your state-specific policy for details.
*** The maximum enrollment age may differ for some states.
Claims
Healthy Paws Pet Insurance has an app you can use to submit your claims directly. Alternatively, you can fax, mail, email, or submit your claim form on the website with the invoice(s) within any time of the coverage period of your policy. Please note that medical records may be required to complete your pet’s first claim.
Direct deposit option for receiving reimbursements
Convenient claim submission with the Healthy Paws app
Offers direct vet pay on a claim-by-claim basis with prior approval
Customer Support
Hours
Monday - Friday: 7 am - 5 pm PT
Saturday: 8 am - 5 pm PT
Contact Information
Phone: 1-855-898-8991
Email: [email protected]
Other: 24/7 Chat
How to Cancel Healthy Paws Pet Insurance
To cancel a Healthy Paws Pet Insurance policy, you can submit a cancellation request via fax, mail, email, or phone.
Does Healthy Paws Pet Insurance Have a Money-Back Guarantee?
If you haven’t submitted a claim, you will receive a full refund when you cancel during the first 30 days of your policy.
Customer Reviews
Ratings |
Overall Customer Rating 4,738 Reviews |
4.5 out of 5 stars |
Reviews Summary |
Here’s what pet parents are saying about Healthy Paws Pet Insurance across multiple review platforms, including ours. They highlight the provider's quick reimbursements, comprehensive coverage, and the peace of mind it brings. From supporting ongoing care to covering emergency surgeries, Healthy Paws helps pet owners prioritize their pets' health without financial worry. Take a look at some of our favorite reviews! |
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Sources |
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Insured by: Healthy Paws Pet Insurance
Here's what
Linda thinks
"Now I don't have to make the heartbreaking decision between putting Spud's health or finances first."
Insured by: Healthy Paws Pet Insurance
Here's what
Robert thinks
"When Abby ruptured her ACL, Healthy Paws was there for us and reimbursed the claim within 3 days."
See full review
Insured by: Healthy Paws Pet Insurance
Here's what
Kathy thinks
"Thanks to my policy, my dog is turning 12. I couldn't have afforded all the ongoing care by myself."
See full review
Insured by: Healthy Paws Pet Insurance
Here's what
Annie thinks
"It has been such a relief knowing that a good portion of my cat's expenses will be covered."
See full reviewCompare
Compare Healthy Paws Against Other Pet Insurance Companies
Wondering how Healthy Paws stacks up against other pet insurance providers? We compiled a list of comparison charts to highlight the differences between cost and coverage. For a better idea of what pet insurance coverage works best for you, start a quote.
Interested in learning more about the specifics of cat or dog insurance? Read our guides on pet insurance for more information:
Our Healthy Paws Pet Insurance Review
Overall, Healthy Paws Pet Insurance offers simple and comprehensive coverage for dogs and cats. While they don’t have an optional wellness coverage add-on, Healthy Paws does have a fast and easy claims process, with most claims processed within days. Their waiting period for accidents and illnesses varies by state. Additionally, they offer Vet Direct Pay with prior approval, which most providers don’t.
