Healthy Paws Pet Insurance Review

Healthy Paws Pet Insurance Review
Easy claim processing through their mobile app
Unlimited lifetime benefits
Doesn’t cover exam fees
Best For:
Pets with Chronic Conditions
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About Healthy Paws

Healthy Paws was founded in 2009 and is located in Bellevue, WA.


Works off reimbursements for medically necessary treatments.

Does Healthy Paws cover Pre-existing conditions? No

Waiting period

15 days for illness or injury, 12 months for hip dysplasia

Covers: Dogs and cats

Veterinarian: Your choice of licensed veterinarian, even emergency hospitals and specialists


Submit claims through the Healthy Paws mobile app, simply take a picture of your veterinary bill and upload to the app. Claims are guaranteed turnaround in 3-10 business days.

Plan coverage

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

Alternative care: Covered

Covers exam fees: No

Distinguishing factor:

They are the only pet insurance company to provide unlimited lifetime benefits with an annual deductible


As low as $15/month for cats and $25/month for dogs
Unlimited lifetime benefits with no claim limits

Pets age 8+: 60% reimbursement, Annual Deductible $750, Maximum payouts: Unlimited, $28.13/month

Dogs age 5 and under: Reimbursement options: 90%, 80%, 70%

Deductible option: $100, $250, $500; $35/month

Dogs age 6 and 7: Reimbursement options: 80%, 70%, 60%; Deductible $250, $500, $750; $51/month

Reimbursement amounts range from 90% for younger pets to 60% for older pets, and annual deductibles range from $250 to $750 depending on the age of your pet and the plan you choose. The Healthy Paws site is easy to navigate and you can choose the most popular option for younger pets, playing around with the options until your monthly payment and coverage levels are where you want, or you can take what you get from the company for an older pet, who have less options for coverage. Healthy Paws will not cover pets over the age of 14.

Best for:

Pets with chronic conditions who you are able to enroll before their symptoms manifest. Reasonable deductibles, easy claim payments, alternative therapies and fully comprehensive coverage make this a great plan for a pet that will last their lifetime.


Yelp: 4.0/5 stars out of 348 reviews

BBB: 4.58/5 stars out of 56 reviews; rating of A+
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365 Pet Insurance
Average rating:  
 2 reviews
by Grant Daniels on 365 Pet Insurance
Sugar Daddy Doggy Daycare Loves Healthy Paws

As soon as I adopted my furry child, a French Bulldog, I knew exactly what I needed next.. pet insurance. There wasn't an overwhelming amount to learn about pet insurance at the time since the idea was still pretty new. But I went with the cheaper of the two options.. Healthy Paws.

It wasn't a month before I needed to use the pet insurance for some routine checkups and doggy prescriptions. Turns out French Bulldogs get to go the vet fairly frequently! I'm so happy I decided to buy pet insurance.. it gives me the piece of mind that if something serious were to happen, my dog would be covered and I wouldn't be in a sudden financial hardship.

The process to file a claim with Healthy Paws is pretty simple, but works very different than the medical insurance I have for myself. After visiting the vet, I get a receipt by email which I forward to Healthy Paws. Once I reach my deductible, they reimburse me a percentage of what I spent as long as the services were covered. I always submit a claim for a daily skin medicine, and a few other costs to keep him healthy. Healthy Paws helps me save money and I'm thankful I chose them from the start.

The only thing I wish were different with pet insurance is that it worked more like my medical insurance where the provider covers the cost up front and I'm not paying out of pocket for 100% of everything up front.

by John R on 365 Pet Insurance
We like them

They have been good to us so far and treated us fair. Their website is easy to use too.