Healthy Paws Pet Insurance Review

  • Coverage includes hereditary and congenital conditions; all accidents and illnesses
  • Will pay up to 90% of your vet bill
  • Unlimited Lifetime Benefits
  • Paperless claims from any device
  • Premium customer service

About Healthy Paws Pet Insurance

Healthy Paws has been offering premium coverage for animals since 2010. Owned by the Aon Corporation, the company has repeatedly proven itself to be an industry leader in affordable pet care coverage.

Pet owners with Healthy Paws plans can seek out of state coverage, and also can find coverage in Canada. Month-to-month contracts provide flexibility, and annual deductibles mean higher rates of reimbursement. Relatively new to the pet insurance game, Healthy Paws has quickly gained a reputation for reliable service.

Healthy Paws makes pet insurance easy and affordable. With a useful mobile app and zero claims forms to fill out, reimbursements are customized to your budget. The company has been awarded best in class customer service, with an insurance underwriter boasting over $25 billion in surplus to cover claims.

The company was rated as the “Best Pet Insurance” by both the Seattle Times and LA Times, along with accolades from countless pet parents happy with the service on various review websites. With a Better Business Bureau rating of “A+”, it’s clear to see Healthy Paws offers great pet insurance plans.

Healthy Paws offers full coverage and no claim limits for a variety of conditions that other pet insurance companies do not. This company really offers a do-it-all service to make sure your pet receives the comprehensive care needed.

An annual deductible also maximizes claim reimbursements. Their care for animals goes beyond personal pet insurance; for every quote searched on their website, Healthy Paws contributes a donation to a homeless pet’s medical care through their Every Quote Gives Hope program.

Coverage Information

Healthy Paws covers most surgeries, prescription medications, diagnostics and lab tests for both cats and dogs. Hospitalization and treatment for most illnesses and injuries are also covered.

Chronic diseases and illnesses are covered so long as the condition was not pre-existing. Conditions that arise during the waiting period for insurance coverage are also not included. Continued coverage is available for animals suffering with chronic conditions.

Hereditary and congenital conditions are covered so long as they are not pre-existing conditions. They must also not appear during the waiting period to ensure full coverage is available.

Animals enrolled in an insurance plan before the age of 6 years are eligible for hip dysplasia coverage; this condition must not be pre-existing, and there is a 12-month waiting period before this coverage can be used. To be eligible for this coverage, your pet must not be showing signs or illness or have already received a diagnosis upon signing.

Non-routine dental care is limited, but available.

Payout Limits

Possibly the best aspect of Healthy Paws pet insurance is the lack of limitations. There are no limits on the number of claims you can file, and the coverage is unlimited for your animal’s lifetime.

Healthy Paws provides flexibility. Owners can choose from three vet bill payout options: 70%, 80%, and 90%. There are also no increases in insurance premiums, no matter how many claims are filed.

Deductible Information

Healthy Paws works with annual deductibles, instead of per incident deductibles like many other pet insurance brands, which work per condition per year. This often means that pet owners can maximize their reimbursement as the claim is based on a policy year.

Depending on the plan, these deductibles can vary between $100, $250, and $500. The higher your deductible, the lower your monthly premium.

Age Limits

Your pet will receive a lifetime of coverage when enrolled anywhere between the age of 8 weeks and 13 years old.


  • Healthy Paws does not cover pre-existing conditions. However, congenital conditions are included in coverage so long as they are discovered after applying for a health care plan.
  • Wellness coverage, including vaccinations, dental care, and routine check ups are not included in Healthy Paws insurance plans.
  • Vet exams and pregnancy bills are not included in Healthy Paws insurance plans.
  • Coverage for any non-preexisting condition or illness begins 15 days after sign up.

Other Information

Some pet insurance providers restrict the type of veterinarian covered by their plans. With Healthy Paws, you can take your pet to any emergency hospital or specialist veterinarian and still receive the best coverage.

Their mobile app makes life easy with instant access and the ability to make a claim at any time, without any claims forms. By replacing paper forms with the iOS app, claims can be processed faster and reimbursement is returned quickly.

Should I Use Healthy Paws Pet Insurance?

Yes. With amazing customer service available around the clock, an easy-to-use app that makes time-sucking claim forms a thing of the past, and comprehensive coverage for a wide array of conditions, your cat or dog will be fully covered for life. With annual deductibles and no limits on claim incidents, Healthy Paws provides the best in peace of mind for the entirety of your pet’s life.

This insurance plan is a great option for pet owners with an older dog or cat, as many companies will often make a cut off date for the age in which you can enroll your animal in their insurance offerings.

There are cheaper insurance options available, but none of them provide the same amazing service and quick reimbursements. Healthy Paws insurance plans are still affordable for the services offered.

The insurance plans offered by Healthy Paws cover a wide array of conditions for cays and dogs that other companies do not, and the lifetime guarantee means your pet can be enrolled at any time and still expect to receive full coverage, providing that he or she has no pre-existing conditions.

Users have been astonished and pleased with the lengths Healthy Paws will go to reimburse claims, and their premium customer care shows through. When your pet is injured or sick, Healthy Paws will be there.