Healthy Paws Review StaffNov.05, 2018

This site is a free online resource that strives to offer helpful content and comparison features to its visitors. Please be advised that the operator of this site accepts advertising compensation from companies that appear on the site, and such compensation impacts the location and order in which the companies (and/or their products) are presented, and in some cases may also impact the rating that is assigned to them. To the extent that ratings appear on this site, such rating is determined by our subjective opinion and based on a methodology that aggregates our analysis of brand market share and reputation, each brand's conversion rates, compensation paid to us and general consumer interest. Company listings on this page DO NOT imply endorsement. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

In a Nutshell

Healthy Paws gives your pets comprehensive coverage at a reasonable price with minimal exceptions. There are no claim caps or limits and chronic conditions are covered. Reimbursement is up to 90%.


  • Unlimited annual and lifetime payouts
  • Mobile app for easy claim submission


  • No wellness cover
  • Vet examination fees not covered


  • Voted best in class, 4 years in a row
  • One comprehensive plan
  • Great value for money

What Healthy Paws Covers 

Healthy Paws has one plan that covers the diagnosis and treatment of all accidents, acute and chronic illnesses and genetic and hereditary conditions. If it’s not a pre-existing condition, it’s covered.

Coverage includes diagnostic tests, hospitalization, surgery, prescription medication, specialist treatment and alternative treatment. It’s a simple and straightforward plan that covers most health needs your pet will ever need. 

Limits and Deductibles

Unlike other insurers, Healthy Paws does not have any annual limits, per incident payout caps or lifetime caps.

Reimbursement is 70%, 80% or 90% of your total bill after the annual deductible,no matter how many claims you make in a year. The lack of any lifetime payout caps means your pet’s treatment for chronic conditions will be covered for life.

Value for Money 

Price depends on your pet’s species and age, and ZIP code, as well as your choice of annual deductible and reimbursement percentage.

You can insure your pet for as little as $16.48 a month if you choose 70% reimbursement and a $500 annual deductible. You’ll get maximum cover without any annual limits, lifetime limits or payment caps.

Healthy Paws also has a mobile app that makes claims submission and policy management very easy.

Age Limits

Enroll your pet anytime between 8 weeks and before your pet’s 14th birthday! Once enrolled, pets are insured for the life of the policy. 

Fine Print: What Isn’t Covered? 

Healthy Paws policies have few exclusions, and they’re straightforward and simple to understand.

The exclusions are pre-existing conditions, spaying and neutering and routine wellness. Veterinary examination fees aren’t included either.


Although veterinary examination fees are not recoverable, Healthy Paws gives your pet comprehensive cover with your choice of deductible at an incredibly reasonable price.. There are no annual limits, lifetime limits or payment caps and any problems that are not pre-existing are covered and you can enroll your pets anytime until their 14th birthday.