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Healthy Paws Pet Insurance Review

Last modified: Sep 29, 2022

Overall Raiting: 8.6
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Financial Strength: A++
BBB Rating: A+
Coverages: 5/5
Discounts: No discounts
Support: via email
User Ratings: Great customer satisfaction
Availability: All 50 states
Pricing: Customizable options

Healthy Paws Pet Insurance and Foundation was started in 2009 as a non-profit pet insurance company. The founders Steve Siadek and Rob Jackson were volunteers at an animal shelter and decided to offer pet owners access to affordable veterinary care in the face of unexpected accidents. Healthy Paws offer insurance through numerous insurance companies. 

It is also on our list of top pet insurance providers.

According to Healthy Paws Pet Insurance reviews, the company has stuck to its core values for over 10 years. They don’t just sell pet insurance policies but also make donations to the Every Quote Gives Hope program on each online quote delivered to a customer. Till now, the company has donated over $1 million to over 300 organizations.

When it comes to innovation, the company also made the first mobile pet insurance app. 

Although all of these are great USPs, we also need to know where the company stands when it comes to its Healthy Paws insurance coverage, costs, competitors, and customer satisfaction. That’s why we’ve made this review.

How We Reviewed

We analyzed the factors that are most important to pet parents. These include:

Where Is It Available?

Healthy Paws sells its insurance plans for cats and dogs in all 50 states of the United States. Healthy Paws Pet Insurance headquarters are based in Bellevue, WA.

Its main competitors are Trupanion, Figo, PetPlan, Embrace, AKC.

The Healthy Paws Pet Insurance address is 1229 120th Ave Ne Ste C Bellevue, WA 98005 United States.


Healthy Paws Pet Insurance Review

Types of Coverages

The Healthy Paws Insurance program requires a complete head to toe examination of your cat and dog to determine if they qualify for coverage. If your pet is 0 to 5 years old, the exam results should be from the last 365 days. If your pet is 6 years or older, the exam results should be from the last 30 days. If an examination has not taken place, you will need to have one done within 15 days of applying for the policy. The exam is conducted by a licensed veterinarian.

Healthy Paws Pet Insurance policies allow you to enroll your kitten or puppy as young as 8 weeks old. If you enroll them before they are six years old, you can get coverage for hip dysplasia at no extra cost. You can enroll your cat until the age of 14.

A standard Healthy Paws Pet Insurance for dogs and cats will cover:

Healthy Paws Pet Insurance Hip Dysplasia Coverage

Healthy Paws will provide coverage for hip dysplasia if you enroll your dog before it turns 6. The insurance company will not provide coverage for hip dysplasia after that age.

Pet owners in states excluding New Hampshire and Maryland will need to wait 12 months for hip dysplasia coverage from the day they sign up.

Healthy Paws Pet Insurance Coverage Limit

Healthy Paws is among the very few pet insurance companies that do not put a cap on the dollar amount of covered services that can be reimbursed. This means that if your cat or dog suffers from a major illness, Healthy Paws will payout 70% to 90% of the cost (depending on the age of your pet) no matter how expensive the treatment is. Something deeply appreciated by clients, as seen in Healthy Paws Pet Insurance reviews.

Healthy Paws offer lifetime pet insurance policies, so as long as you continue to pay the premium, the coverage will remain accessible.


What is Not Covered?

There are a few services that Healthy Paws does not offer even with add-ons. These include:

Additionally, Healthy Paws will only cover you if you reside in the United States and for a very short time in Canada.

Healthy Paws Pet Insurance Cost

Like all pet insurance companies, Healthy Paws does not have a fixed price. Instead, the insurance coverage is based on the age, gender, breed, history of the disease, and geographical locations of the pet among other factors.

However, we can provide a loose monthly average estimate of Healthy Paws Pet Insurance quote:

For a Dog

For a Cat

Lowering the coverage percentages or raising your deductibles can both lower the monthly premium. You also need to give a $25 starting fee.

Healthy Paws Pet Insurance Deductible

Healthy Paws offer an annual deductible, which involves paying a premium per year for the covered pet health care services. The minimum you have to pay each year is $100, but you also have the option of choosing $250 or $500 as the maximum deductible.

Additionally, Healthy Paws offer customizable reimbursement percentages as well and you can select one of 70%, 80%, or 90% when starting your policy.

Adjusting your deductibles and reimbursement percentages will also affect your monthly premiums.

Healthy Paws Pet Insurance Discount

Although Healthy Paws does not advertise any discounts on its website, you may qualify for a policy discount if your employer signs up for an employee benefit program. 

You may also be eligible for special membership discounts from organizations like the AAA and AMAC, which can get you 10% off monthly premiums.

Ease of Use

Starting with Healthy Paws is very easy. Here is what you should do:

Healthy Paws Pet Insurance Claims

Healthy Paws processed claims rapidly without any inconvenience:

Policyholders can also ask for direct deposit to their personal accounts instead of a check.

Customer Satisfaction and Financial Strength Review

Healthy Paws Pet Insurance BBB (Better Business Bureau) rating is A+ and it has also gotten an average of 4 out of 5 stars from customers. The company has a 4.7 rating on Trustpilot from almost 600 customers. Additionally, according to Customer Advocate, Healthy Paws has a 98% lifetime customer satisfaction rate.

Having said that, Healthy Paws complaints on BBB exceed 130, with most reviews focused on the lack of clarity regarding medical conditions covered under the insurance policy. Some customers were denied reimbursement because they did not submit the pet’s physical exam records, which, in all fairness, is not Healthy Paws fault since the company states exam records are mandatory.

Other customers also complain that the Healthy Paws customer care department is slow to respond.

On nationwide insurance AM Best, Chubb, the underwriter for Healthy Paws insurance policies has an A++ financial stability rating which is the highest rating of the agency and translates to exceptional stability.

Healthy Paws Pet Insurance Customer Service

Healthy Paws makes it very easy to manage your account. However, if you do need to contact the customer support, you can do so on Healthy Paws Pet Insurance customer service number - 855-898-8991 on Monday through Friday from 6 am to 6 pm PST and on weekends from 8 am to 5 pm PST.

You may also fill the online form to contact them via email.


  • Lifetime insurance pet insurance policies with unlimited claim limits
  • Customizable payment and pricing options
  • Annual deductibles
  • Affordable premiums
  • Extremely fast claim payments
  • High customer satisfaction
  • Does not provide coverage for dogs with hip dysplasia who are over 6 years old
  • Does not provide preventive or wellness care options
  • Does not provide coverage for vet exams

If you have read our guide and have gone over Healthy Paws Pet Insurance customer reviews, you can see that this insurance company is a favorite among pet parents.

If you are still on the fence about whether Healthy Paws is the right insurer for you, you can contact their customer care service for a more in-depth and personalized query. We also recommend reading Healthy Paws Insurance reviews in detail.


Does Healthy Paws cover medications?

Yes, Healthy Paws covers prescription drugs for illnesses and accidental injuries.

How to fill a claim with Healthy Paws Pet Insurance?

Filing a claim with Healthy Paws Pet Insurance is very easy. To find out the step-by-step process, please go up to the Healthy Paws Pet Insurance Claims section on this guide.

Does Healthy Paws cover allergies?

Food allergies are not influenced by gender, age, breed, or the size of your cat or dog, as your pet can develop them unexpectedly at any time of their life. Since these are unexpected conditions, allergies are ultimately covered. 

Does Healthy Paws cover blood work?

Healthy Paws does cover pet bloodwork if it is required to diagnose an unexpected illness or condition.

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