Healthy Paws Pet Insurance Reviews

Healthy Paws Pet Insurance Reviews

Find the Cheapest Pet Insurance Quotes in Your Area

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Pet health insurance can help you cover the costs associated with your pet's injuries and illnesses. Healthy Paws is one of our favorite plans due to its excellent value and coverage.

Consider this if you’re searching for affordable pet insurance rates alongside unlimited emergency coverage.
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Pros

  • No cap on claim payouts. Many pet insurance carriers limit how much they'll cover per incident, per year or throughout the pet's life. But Healthy Paws plans don't come with these restrictions, which can help if you have a large vet bill.
  • Policies cover hereditary and congenital conditions. Healthy Paws covers your pet's hereditary and congenital conditions, including hip dysplasia, so long as your pets are enrolled before the age of 6 and symptoms haven't yet surfaced. This is great news for families with large-breed canines, such as Labrador retrievers and great Danes. Other providers may restrict coverage for these conditions because they can be costly to reimburse.
  • Coverage is simple. You won't have to compare multiple packages because there's just one plan with good coverage at reasonable prices. Just choose your deductible and reimbursement level, and that's it.

Cons

  • Exam fees are not covered. Healthy Paws does not cover the examination fee portion of your dog or cat's visit to the vet's office.
  • Coverage comes with some limitations. There are no wellness add-ons. Additionally, while you can enroll your furry companion up to the age of 14, hip dysplasia is covered only when pets are enrolled before age 6. There's also a 12-month waiting period before coverage takes effect on certain conditions.
  • There's a one-time enrollment fee. Owners pay $25 when they purchase a plan.

Healthy Paws pet insurance plan policy

Healthy Paws offers customers one plan with three options for the deductible and reimbursement level.

Reimbursement level

90%
80%
70%
Annual deductible$100$250$500
Sample monthly quotes for a 3-year-old mixed-breed dog (New York)$38.73$31.51$25.51

Healthy Paws plans typically cover the costs associated with hospitalization, diagnostic testing, supplies, surgeries and prescription medication. Healthy Paws covers accidents and illnesses, so long as they're not preexisting. There's no wellness option, which means preventive and routine care aren't covered.

Some standard fine print:

  • There's a 15-day waiting period before coverage kicks in. During this period, any injuries or accidents that occur will not be covered by Healthy Paws.
  • Healthy Paws requires a recent clinical evaluation to establish the baseline health of its pets. You can submit an exam report within the past year if your pet is younger than 6. Older pets must have an exam within the last month. Otherwise, a new clinical exam in the 15-day waiting period will suffice. Failure to have this exam may void your policy.

Healthy Paws discounts and promotions

Discount/promotion

Amount
Club Membership (AAA, AMAC, etc.)Up to 10% off premiums
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Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.