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Healthy Paws Pet Insurance Review: Solid Policies Backed by Great Customer Support

Review Updated
Kailey Hagen
By: Kailey Hagen

Our Insurance Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

This pet insurer is a good fit for: Pet owners interested in alternative therapies and those who value great customer service

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BEST FOR: Alternative medicine for petsHealthy Paws
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Healthy Paws Pet Insurance Snapshot


Healthy Paws Pet Insurance pricing is pretty average for the industry. The company gives owners a few ways to reduce their costs, including choosing a higher deductible or a lower reimbursement level.


Healthy Paws doesn't offer any pet insurance discounts, not even to those with multiple pets. The only way to reduce costs is to change the deductible and reimbursement level.


The company doesn't impose any per-incident, annual, or lifetime caps on service. It's also one of the few pet insurers to offer coverage for alternative therapies, like acupuncture and massage.

Customer service

Customer feedback on Healthy Paws Pet Insurance has been largely positive. This is no doubt helped by its two-day average claim turnaround, which is faster than many of its competitors.

Full Healthy Paws Pet Insurance review


  • Great customer service
  • No caps on service
  • Most claims processed within two days
  • Coverage for alternative therapies
  • Coverage for breed-specific conditions


  • No wellness coverage
  • Limited plan flexibility
  • $25 one-time administration fee

Top perks

Great customer service

Healthy Paws has received above-average customer satisfaction ratings from a large number of customers. While pet owners hope they won't have to contact their insurer, those who choose Healthy Paws will be happy to know they won't face the headache of unpleasant customer support.

No caps on service

Unlike other pet insurers, Healthy Paws doesn't impose per-incident, annual, or lifetime caps on service. As long as the condition is covered under the terms of the policy, Healthy Paws will pay for it.

Most claims processed within two days

Healthy Paws has a faster claim turnaround time than many of its competitors. Owners can submit their claims online, by phone, or through the company's mobile app. Once the insurer has all the information it needs, it will get the money to the policyholder, often within two days.

Coverage for alternative therapies

Healthy Paws is one of the only pet insurers that covers alternative therapies like acupuncture, chiropractic care, hydrotherapy, massage, and more. Pet owners who are interested in this kind of coverage should definitely give Healthy Paws a closer look.

Coverage for breed-specific conditions

Healthy Paws' pet insurance plan includes coverage for breed-specific conditions, like hip dysplasia. There are limitations on this coverage, but it's nice to know it's an option.

What could be improved

Wellness coverage

Healthy Paws doesn't cover routine checkups, dental cleanings, vaccinations, or other wellness services. Many other pet insurance companies cover these services, so pet owners who don't want to pay out of pocket should explore alternatives.

Plan flexibility

While many pet insurers offer multiple plans so owners can choose the level of coverage they want, Healthy Paws only offers a single plan. It also restricts the reimbursement percentage for older pets, forcing the owner to pay more out of pocket for their care.

Administration fee

Healthy Paws charges a one-time $25 administration fee in addition to its monthly premiums. It's important for pet owners to budget for this when they're shopping around.


Healthy Paws Pet Insurance rates are in line with the rest of the industry. Cat insurance plans are significantly more affordable than dog insurance plans, but owners can reduce their monthly premiums by choosing a lower reimbursement rate or a higher deductible.

Average cost for dogs $58.71/month
Average costs for cats $23.13/month
Deductible Levels $100, $250, $500, $750, $1,000
Reimbursement Rates 50%, 60%, 70%, 80%, 90%
Data source: Healthy Paws Pet Insurance.

Alternatives to consider

For pet owners who want wellness coverage: Nationwide is a great option. It offers flexible plans that enable owners to choose exactly how much coverage they want. Wellness coverage is available, but it's optional so those who don't want it don't have to pay for it.

For owners of pets with chronic conditions: Trupanion offers a per-condition deductible, which could be more affordable than Healthy Paws' annual deductible for pets with chronic conditions. With Trupanion, once the deductible is met for a certain condition, the pet owner never has to pay it again for any vet bills associated with that condition as long as their policy remains in force.

Policy options

Healthy Paws only has a single pet insurance plan available. It covers the following:

  • Illnesses
  • Accidents
  • Hereditary conditions
  • Congenital conditions
  • Chronic conditions
  • Cancer
  • Diagnostic treatments
  • X-rays, blood tests, and ultrasounds
  • Surgery
  • Hospitalization
  • Prescription medication
  • Emergency care
  • Specialty care
  • Alternative treatment

Like most pet insurance plans, it doesn't cover pre-existing conditions. It also doesn't have wellness coverage for routine care.


Healthy Paws doesn't offer any pet insurance discounts. These aren't that common in the industry, and Healthy Paws' rates are pretty reasonable without them. Those looking to keep pet insurance costs down should also consider raising their deductible and/or lowering their reimbursement level.

Application process

It only takes a minute to get a Healthy Paws Pet Insurance quote. All the owner has to do is answer some basic questions about their species, breed, gender, and ZIP code and then they'll be presented with a quote.

They can further adjust this quote by choosing among the various deductible and reimbursement levels available in their area. When they have a plan they're happy with, they can purchase the policy online.

What types of pets are eligible for Healthy Paws Pet Insurance?

Healthy Paws Pet Insurance only covers dogs and cats between the ages of eight weeks and 14 years. This is pretty standard for the pet insurance industry. Those seeking coverage for older or younger pets or exotic animals will have to explore some other options.

Customer service and ratings

Healthy Paws Pet Insurance has an A rating with the Better Business Bureau and a 4.3 out of 5 rating from TrustPilot. These are higher ratings than insurance companies usually see and it's a good sign that most of Healthy Paws' customers are happy with the service they receive.

This pet insurer is a good choice for:

Healthy Paws Pet Insurance is a great fit for:

  • Those interested in alternative therapies
  • Those who value customer service
  • Those who don't want to worry about caps on coverage

But pet owners interested in wellness coverage may want to take a closer look at Nationwide. And owners of pets with chronic conditions should also check out Trupanion.

Our Insurance Expert