Healthy Paws Pet Insurance
Healthy Paws is the highest rated pet insurance plan in America. In fact, they have been ranked #1 in customer satisfaction seven years in a row!
* No caps on annual or lifetime payouts
* Most claims processed in just two days
* Use any licensed vet, no restrictions
Overall Rating
Healthy Paws has been rated the #1 pet insurance plan in America seven years in a row. The plan offers one, simple accident and illness policy that is the best in the business. Healthy Paws Pet Insurance stays on top by providing clear, solid coverage and providing the best customer service in the industry.
Customer Reviews
Thank you so much for being an amazing pet insurance company! You truly make me feel at ease, knowing that my pups will be covered. Our pup recently got bit by a rattlesnake and I didn’t have to think twice about the pet hospital and getting anti venom because I knew Healthy Paws would cover it. So, I got to focus on his health and recovery. He is doing great now.
Jill W
Healthy paws is excellent Insurance. My five month old puppy had an accident in our pool and two weeks later had another problem with an obstructed intestine needing surgery. Healthy paws was there for both incidents without question and handled the claim quickly and completely. As long as I have a pet, I will always have Healthy Paws insurance. Thank you Healthy Paws!
Jennifer S
Healthypaws has always been there when I needed them, very quick to approve my reimbursements and check-in about my cats!
SaraBerthiaume
I have been using Healthy Paws pet insurance for over 2 years(for my 2.5 year old cat), and I highly recommend it as a pet parent. Every claim I've submitted (around five in total) has been processed and approved , usually within a few days. The total claims amount to over $16,000, covering various events including surgery, ER visits, and other unexpected incidents.
What initially drew me to Healthy Paws was the thorough research conducted by my workplace's pet parent community. They evaluated almost every pet insurance company out there, and Healthy Paws came out at the top. Unfortunately, many providers have a high rate of declined claims. Healthy Paws stood out with the lowest number of declined claims among all the companies reviewed.
RAJVI K
I have had Healthy Paws Pet Insurance for my dog since he was 2-years old. He's now 15-1/2 and has had a variety of medical issues over the years. Healthy Paws has been amazing at paying claims quickly and without any hassles. Their customer service is fantastic. I recommend it to all my friends and family for their dogs!
sdglobal
I have had Healthy Paws insurance for my Leo & Abby since they were kittens, they are now 10. My Leo was recently in the hospital, I submitted my claim for him and within 1 day it was being reviewed and I was reimbursed within 2 days. They are a wonderful insurance company.
Michelle K
We've had Healthy Paws since we got our dog as a puppy and have been very satisfied! They are quick to process claims and have helpful, friendly, and responsive customer service. Our Healthy Paws insurance has been well worth it— our dog had two surprise health issues last month that totaled $15K+, and we were very grateful that we could count on our Healthy Paws coverage to reimburse us at 80%.
Kelly
As a pet parent to Spud, my 9-year-old Maltese, I can't express enough gratitude for Healthy Paws Pet Insurance. I enrolled him at just 8 weeks old, and it has been one of the best decisions I've made for his health and well-being.
Throughout Spud's life, we've faced numerous health challenges, including two surgeries, an autoimmune illness, and various treatments like medications, blood tests, X-rays, MRIs, blood transfusions, and hospitalizations. Recently, he even had a cancerous anal gland removed and is currently undergoing chemotherapy. Healthy Paws has been there every step of the way, providing the support and peace of mind we needed.
Having this insurance has meant never having to make the heartbreaking decision between Spud's health and financial constraints. The coverage has been comprehensive and reliable, allowing us to focus solely on his recovery.
I wholeheartedly recommend Healthy Paws to anyone welcoming a pet into their family. It's an invaluable investment in your pet’s future and your peace of mind. Thank you, Healthy Paws, for being there for Spud and me.
LindaS
Our 8 1/2 year old Labrador Retriever, Jeff Pizzo, has Healthy Paws Pet Insurance since 2021. We just wanted to share our wonderful experience with our first claim with them during one of Jeff’s most challenging health events he has ever had to go through. He had a GI bleed of undetermined etiology on March 15th, 2023 and spent 6 days at Blue Pearl Animal Hospital in Southfield, Michigan and was in critical care for the first four nights, unable to eat or drink anything on his own. He completely relied on the hospital staff for his care and ultimate survival. He has since recovered 100% and we couldn't be happier. Our boy is family and we love him very much!
Healthy Paws paid 80% of every bill submitted. You can imagine how much his care and medication costs were for those 6 days and subsequent follow-up care. We are thankful for them being there for us during this difficult time and would highly recommend Healthy Paws pet insurance to EVERY pet owner! Not only were they there for us financially, but they have continued to check in on Jeff periodically to give him big virtual hugs! Healthy Paws IS family and we are so thankful to have them in Jeff’s life!
Libby
Having Healthy Paws insurance has been a life saver and has saved me probably over $20k in vet bills. My dog has dealt with skin allergy issues, and had 3 surgeries on her ACLs and everything was covered and reimbursed within a day or two. Super easy to submit claims. Highly recommended.
D K
Coverage
Healthy Paws offers one, simple accident and illness policy that is the best in the business. Healthy Paws (aka ‘healthypaws’) stays on top by providing clear, solid coverage and providing the best customer service in the industry.
Coverage Notes
Healthy Paws offers one, simple pet insurance plan that covers up to 90% of vet bills when your dog or cat gets sick or injured.
- Unlimited Lifetime Benefits and no annual limits
- Full coverage for accidents & illnesses (including hereditary conditions)
- Paperless claims from any device
- Backed by AON
Coverage Highlights
- Excludes exam fees and bilateral conditions
- Hip dysplasia is excluded for pet that enroll at 6 years old or greater
- Minimum age for enrollment is 8 weeks
- Maximum age for enrollment is 14 years (4 years in New York state)
- Healthy Paws does not cover exam fees
- No pet insurance company covers pre-existing conditions
Coverage Details
Here is a quick overview of policy details to give you an idea of what to expect when building your custom Healthy Paws Pet Insurance quote.
*90% reimbursement rate is not available in CA, FL, NJ, NY, and WA
**12 month waiting period for hip dysplasia
Enrollment Requirements
- 90% reimbursement rate is not available in CA, FL, NJ, NY, and WA*
- 12-month waiting period for hip dysplasia**
- Must be enrolled before 6 for hip dysplasia coverage
- Minimum age: 8 weeks
- Maximum age: 14 years (4 years in New York state)
- A pet less than 6 years old on the date of enrollment must have undergone a complete clinical examination and the exam must have taken place either 12 months before the pet policy effective date or within 15 days following the pet policy effective date
- A pet 6 years old or older on the date of enrollment must have undergone a complete clinical examination within 30 days before the pet policy effective date or 15 days following the pet policy effective date
Cost
Healthy Paws is one of the most affordable pet insurance plan in America. In fact, give then level of coverage and cost Healthy Paws is arguably the best value in the market today. Average premium based on $250 deductible, 90% reimbursement, unlimited payouts for 2 year-old mixed breed dog and 3 year-old mixed breed cat, respectively.Healthy Paws charges a one-time $25 enrollment fee.
Sample Premiums
Dogs
Cats
About Healthy Paws Pet Insurance
Healthy Paws Insurance & Foundation started in 2009 by Rob Jackson and Steve Siadek. Rob and Steve met through a Seattle, Washington based no-kill animal shelter.
Company Profile
Steve left a corporate career to pursue his pet passion and become the shelter’s executive director. Rob, who was an insurance executive, adopted his dogs from the shelter and kept coming back to foster more.
Rob and Steve saw a need to help pet owners deal with the financial impact of giving their pet’s quality veterinary treatment.
In addition to providing quality pet insurance coverage, Rob and Steve also wanted to help animal rescue organizations care sick pet’s in their care. So from the beginning the plan has made a donation to animal shelters each time a new dog or cat enrolls in their pet insurance program.
As you know by this point, Healthy Paws offers the best customer service in the biz. But the roots of this business can be traced back to 2009 when Steve Siadek and Rob Jackson, Healthy Paws’ co-founders, met through a local, no-kill animal shelter. Since being founded in 2009, Healthy Paws has helped thousands of dogs and cats in the great Seattle area find homes.
Policy Exclusions
- Pre-Existing Conditions – Illness or the recurrence of any illness or condition which first occurred or displayed any signs and/or symptoms consistent with the stated illness or condition prior to the pet policy effective date; an injury or recurrence of an injury that occurred prior to the pet policy effective date; or any condition or complication resulting from an illness or injury that occurred prior to the pet policy effective date.
- Veterinary Examination Fees
- Preventative Care – Spaying and neutering, Preventive healthcare including vaccinations or titer test, flea control, heartworm medication, deworming, nail trim, and grooming, parasite control including but not limited to internal and external parasites for which readily available, prophylactic treatments are available, dental health care, however if injury to teeth is caused by an accident, we do cover the cost of extraction and/or reconstruction of damaged teeth, anal gland expression
- Bilateral Conditions – Pre-Existing cruciate ligament problems to one leg as respects the cost of future treatment for problems of the other leg
- Elective procedures – Cosmetic procedures, tail docking, ear cropping, declawing, micro-chipping, dew claw removal, ear cleaning
- For pets 6 years of age or greater on the date of enrollment, no coverage shall apply for illness related to hip dysplasia
- 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
- Claims in any way arising from the lack of use and/or implementation of preventive healthcare products and/or methods when such products and/or methods would be in accordance with generally accepted veterinary standards. Routine healthcare includes: vaccinations, flea control, heartworm medication, deworming, dental care, ear plucking, grooming, and prudent regular care.
- Breeding or conditions relating to breeding, whelping, and queening
Compare Healthy Paws
Check out these handy, side-by-side comparison pages to see how Healthy Paws stacks up!
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