Healthy Paws Pet Insurance 2025: Full Review of Coverage, Pros & Cons
Our expert's opinion on Healthy Paws
Healthy Paws offers a single, highly flexible pet insurance plan for US cats and dogs, covering accidents, illnesses, genetic and hereditary conditions, and emergency care, with no annual or lifetime caps on payouts and adjustable annual deductibles and reimbursement rates. Positioned as a leader for simplicity, unlimited benefits, and fast claims, Healthy Paws stands out with its digital-first, paperless claim process and transparent pricing—typically competitive for unlimited accident and illness coverage, but with notable premium increases as pets age. This solution best fits owners of young and healthy pets, especially those seeking high or unlimited reimbursement without wellness add-ons or for purebreds susceptible to expensive hereditary issues. Backed by Chubb Group/Westchester Fire Insurance, a financially robust insurer, Healthy Paws insures over 620,000 pets and processed more than 2,500 reviews on Trustpilot, scoring 4.1/5; most claims are reimbursed within 2 days, emphasizing reliable and quick handling. Premiums are fixed monthly but may rise with age or medical inflation, and the digital platform enables paperless enrollment and reimbursements.
- ✅Unlimited annual and lifetime benefits
- ✅Fast (48-hour median) digital claims processing
- ✅Fully paperless, user-friendly app and website
- ✅No per-condition or annual claim caps
- ✅Flexible deductible and reimbursement levels
- ✅Accepted by any licensed US/Canada vet
- ✅No enrollment/administrative fees
- ❌No wellness or preventive care coverage
- ❌Rising premiums as pets age
- ❌No coverage for vet exam/consult fees
- ❌Extensive exclusions for pre-existing conditions
- ❌Occasional claim denial/delays due to medical record review
Score- ✅Unlimited annual and lifetime benefits
- ✅Fast (48-hour median) digital claims processing
- ✅Fully paperless, user-friendly app and website
- ✅No per-condition or annual claim caps
- ✅Flexible deductible and reimbursement levels
- ✅Accepted by any licensed US/Canada vet
- ✅No enrollment/administrative fees
Our expert's opinion on Healthy Paws
- ✅Unlimited annual and lifetime benefits
- ✅Fast (48-hour median) digital claims processing
- ✅Fully paperless, user-friendly app and website
- ✅No per-condition or annual claim caps
- ✅Flexible deductible and reimbursement levels
- ✅Accepted by any licensed US/Canada vet
- ✅No enrollment/administrative fees
- ❌No wellness or preventive care coverage
- ❌Rising premiums as pets age
- ❌No coverage for vet exam/consult fees
- ❌Extensive exclusions for pre-existing conditions
- ❌Occasional claim denial/delays due to medical record review
Score- ✅Unlimited annual and lifetime benefits
- ✅Fast (48-hour median) digital claims processing
- ✅Fully paperless, user-friendly app and website
- ✅No per-condition or annual claim caps
- ✅Flexible deductible and reimbursement levels
- ✅Accepted by any licensed US/Canada vet
- ✅No enrollment/administrative fees
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Healthy Paws Coverages
Healthy Paws offers a single accident and illness plan for dogs and cats, emphasizing unlimited lifetime and annual payout with no per-incident caps—a highly competitive advantage for pet owners seeking long-term, high-cost coverage.
Policyholders can select their annual deductible (typically $100–$500) and reimbursement rate (from 70 to 90%), with rapid claim processing and easy app-based submissions as major strengths.
All plans exclude preventive care, exam or office visit fees, routine dental cleanings, and spay/neuter, making it less suitable for those seeking comprehensive wellness coverage.
Coverage includes chronic, hereditary, and congenital conditions, surgery, medications, diagnostics, hospitalization, and alternative care, but not behavioral therapy or non-medically necessary treatments.
Premiums rise noticeably as pets age, and any claims for pre-existing conditions, dental illness, or elective procedures will be denied.
| Name of coverage | Healthy Paws Accident & Illness Plan |
|---|---|
| Plan positioning | Comprehensive, unlimited payout accident & illness coverage |
| Type of coverage | Accidents and illnesses |
| Animals covered | Dogs, cats |
| Reimbursement rate (%) | 70%–90% (based on selection at enrollment) |
| Annual reimbursement limit | Unlimited |
| Deductible (annual or per claim) | Annual: $100–$500 (flexible selection at sign-up) |
| Age limits for enrollment | Dogs/cats: 8 weeks–13 years (for new enrollments) |
| Pre-enrollment health questionnaire | Required, plus full vet records at first claim |
| Waiting period (illness) | 15 days |
| Waiting period (accident) | 15 days |
| Lifetime coverage once subscribed | ✅ Coverage remains as long as premiums are paid |
| Vet consultations (regular + emergency) | ❌ Office visit/exam fees not covered |
| Medications | ✅ Prescribed meds for covered conditions |
| Hospitalization | ✅ |
| Surgery (including anesthesia) | ✅ |
| Diagnostic tests (X-ray, MRI, etc.) | ✅ Covered for illness/accident |
| Dental care (includes scaling, etc.) | ❌ Only traumatic injury; no routine dental disease/care |
| Preventive care package | ❌ Not covered |
| Alternative medicine | ✅ Acupuncture, chiropractic, hydrotherapy, under limits |
| Travel coverage | ✅ US and Canada; timeframe not limited |
| Civil liability | ❌ Not covered |
| Euthanasia | ✅ If medically required for a covered condition |
| Death & cremation coverage | ❌ Euthanasia only; cremation/burial not covered |
| Theft or loss of pet + search expenses | ❌ Not covered |
| Boarding fees (if owner is hospitalized) | ❌ Not covered |
Healthy Paws Coverage Details
Healthy Paws does not cover exam or office visit fees, wellness, spay/neuter, or vaccines.
There are no per-incident, annual, or lifetime payout caps; claims are processed in about 2 days, but full medical history is required at the first claim and policy details vary by state.
Coverage for hip dysplasia is excluded for pets enrolled at 6+ years; premiums tend to rise sharply as pets age.
There is no add-on benefit or wellness rider: only one core plan is available.
Compare options to find the best rate and the right level of coverage for your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Healthy Paws Exclusions
Healthy Paws’ exclusions align with industry standards, notably omitting pre-existing conditions, routine or preventive care (including vaccines, flea/tick/heartworm medication, spay/neuter, and wellness exams), and behavioral therapy.
Office visit and exam fees are excluded—even for illnesses or emergencies—a limitation not always found among top competitors.
Dental cleanings and dental disease (unless caused by covered injury) are not covered, and euthanasia is only reimbursed if medically necessary for a covered condition, with no coverage for cremation or burial.
Additional exclusions apply to experimental therapies, elective or cosmetic procedures, breeding/pregnancy issues, and any claims during policy waiting periods or related to activities deemed high-risk or commercial.
Coverage is also suspended during extended travel outside the US and Canada, and full medical history is required for claim evaluation, which may lead to delays or denials if documentation is incomplete.
| Exclusions | Details |
|---|---|
| Medical exclusions |
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| Administrative exclusions |
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| Geographic exclusions |
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| Identification exclusions |
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| Benefit limitations |
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- Pre-existing conditions
- Routine and preventive care (vaccines, spay/neuter, flea/heartworm meds, annual exams)
- Behavioral therapy and training
- Office visits/exam fees (all situations)
- Dental disease and cleanings unless after accident/injury
- Experimental/holistic/alternative therapies not prescribed or recognized
- Elective/cosmetic procedures (declawing, tail docking, ear cropping)
- Breeding, pregnancy, and whelping/queening
- Supplements, prescription food (unless for covered issue)
- Claims filed without full medical history or requested documentation
- Claims submitted during 15-day waiting period
- Nonpayment of premiums
- Changes in ownership not reported or approved
- Services received outside the US or Canada (except short-term travel)
- Extended residence/travel abroad
- Pets without required identification/microchipping as per initial application (if mandated by policy)
- No coverage for euthanasia unless medically necessary for covered condition
- No cremation or burial costs
- Boarding, transportation, or lodging for pets or owners
Healthy Paws Prices
Healthy Paws positions itself as a comprehensive and premium pet insurance provider, offering unlimited payouts, high reimbursement rates, and coverage for a wide range of medical needs without annual or lifetime caps.
Because of its robust coverage and low deductible options, premiums are generally higher than budget plans, especially for older pets or higher-risk breeds.
However, the fully digital experience and prompt claim service help keep administrative costs lower than traditional insurers, making it more efficient but not necessarily cheaper in the long run.
Healthy Paws’ pricing is best described as mid-to-high range—expensive but comprehensive—providing strong value for those looking for extensive coverage and ease of reimbursement.
Users seeking basic, low-cost coverage will find more budget-friendly options elsewhere, but may sacrifice depth of protection.
Compare plans and get personalized quotes to find the best price for your pet and coverage needs.
| Healthy Paws plan monthly premium | |
|---|---|
| Young cat (2–4 years) | $17–$21/month |
| Senior cat (7–8 years) | $32–$40/month |
| Small breed dog (2–4 years) | $29–$37/month |
| Senior dog (7–8 years) | $66–$90/month |
| Large breed dog (2–4 years) | $46–$61/month |
| Senior large breed dog (7–8 years) | $115–$160/month |
Healthy Paws Promo Codes
| Healthy Paws Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
Healthy Paws: Understanding Reimbursement
With Healthy Paws, you pay your annual deductible only once per year and are reimbursed at the selected rate (up to 90%) for all covered veterinary treatments, making out-of-pocket costs much more predictable and manageable throughout your policy year.
Foreign Body Surgery Reimbursement Example
Total vet costs: $2,800 (emergency surgery, overnight care, medication)
Deductible amount: $100 (annual, paid on the first claim of the year)
Amount eligible after deductible: $2,800 – $100 = $2,700
90% of that reimbursed: $2,700 × 90% = $2,430
👉 You receive a reimbursement of $2,430.
ℹ️ You only pay the $100 deductible once per year, so all further claims that year are not reduced by the deductible.
Chemotherapy for feline lymphoma reimbursement
Total vet costs: $3,500
Annual deductible already met through a previous claim
Reimbursed at 90%: $3,500 × 90% = $3,150
👉 You receive a reimbursement of $3,150.
ℹ️ No deductible is applied since your annual deductible is already satisfied; the 90% reimbursement applies to all additional claims within the same year.
Routine Annual Wellness Visit - Not Covered
Total vet costs: $150 (exam, vaccines, wellness lab work).
Reimbursement: $0.
These costs are not covered by Healthy Paws’ highest-tier accident & illness plan because Healthy Paws does not cover preventive or wellness care, so routine checkups, vaccinations, and preventative lab tests are paid out of pocket by the owner.
Healthy Paws Assistance
Healthy Paws offers a fully paperless claims process, including a mobile app and online portal, which enables policyholders to submit vet bills and receive most reimbursements within two business days for approved claims.
The absence of an advance payment service means pet owners must pay the veterinarian upfront and wait for reimbursement, which may be a limitation compared to providers who offer direct payment to clinics.
No 24/7 emergency veterinary advice line or teleconsultation is available, so urgent questions outside of normal vet hours require third-party solutions or local emergency clinics.
There are no published payment facilities or installment options beyond standard monthly premium payment.
Coverage remains valid for temporary travel in Canada but not for extended international stays, which may be restrictive for frequent travelers.
| Assistance Healthy Paws | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No direct-to-vet payment or advance options. Owner pays vet first, then submits for reimbursement. |
| Payment facilities | ❌ | No installment plans or split-payment options; monthly billing only. |
| Mobile app | ✅ | Mobile app available (Android/iOS, ~4.7 stars iOS, ~3.3 Android). Submit claims; track reimbursements; upload photos. Portal known for ease, not UX awards. |
| Paperless claims process | ✅ | All reimbursements handled online or via app. No forms to mail. Fast upload of invoices; most claims processed in 2 days. |
| Emergency vet service | ❌ | No 24/7 telehealth, vet chat, or emergency hotline offered by the insurer. |
| Vet/clinic partner network | ❌ | No restricted network; pet owners may use any licensed vet, but no preferred provider list or negotiated rates. |
| Coverage abroad | ✅ | Only valid within US and for temporary travel in Canada; not available elsewhere or for long-term stays abroad. |
Customer Reviews of Healthy Paws
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.1 out of 5 (“Great”), 2,551 |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Healthy Paws for their pets often mention:
- ✅ A fast and simple claim submission process, with many reimbursements processed within a few days.
- ✅ An absence of annual or lifetime coverage limits, seen as a significant financial safety net for serious illness or accidents.
- ✅ Comprehensive coverage for a wide range of veterinary conditions, including surgeries and hereditary diseases.
- ✅ The ability to use any licensed veterinarian, with policyholders appreciating flexibility of care.
- ✅ Friendly and caring customer service, especially following illness or surgery.
On the negative side:
- ❌ A need to pay veterinary costs upfront, as no advance payment service is available.
- ❌ Frequent denials for claims involving pre-existing conditions or care within waiting periods, sometimes without clear communication.
- ❌ Noticeable and sometimes steep premium increases as pets age, especially in older animals.
- ❌ Delays in claim reimbursement when additional medical records are required, sometimes several months.
- ❌ The lack of coverage for exam fees, wellness/preventive care, and aftercare expenses, which frustrates some policyholders.
- ❌ Some recent reports of declining customer service since changes in company ownership and support outsourcing.
How to Contact Healthy Paws
| Healthy Paws Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your claim using the Healthy Paws mobile app, online portal, email ([email protected]), fax (888.228.4129), or by mail to Healthy Paws, P.O. Box 50034, Bellevue, WA 98015. Attach a paid invoice and your pet’s medical history for the first claim. Payment is made by direct deposit or mailed check; most claims are processed within 2 business days after receipt of all required documents. |
| To obtain a certificate of insurance | Request by calling 855.898.8991, emailing [email protected], or through your Healthy Paws online account. Certificates are issued electronically or by mail upon request. |
| To contact assistance | Phone support is available at 855.898.8991 (Mon–Fri, 7am–5pm PT). You can also email [email protected]. The mobile app and online portal offer claim and account support, but there is no emergency vet hotline. |
| To cancel my policy | Send a written cancellation request with your policy number by email ([email protected]) or by mail to Healthy Paws, P.O. Box 50034, Bellevue, WA 98015. A minimum notice period of 14 days before your next monthly payment is required; provide your contact details and signature. |
Attach a paid invoice and your pet’s medical history for the first claim.
Payment is made by direct deposit or mailed check; most claims are processed within 2 business days after receipt of all required documents.
Certificates are issued electronically or by mail upon request.
You can also email [email protected].
The mobile app and online portal offer claim and account support, but there is no emergency vet hotline.
A minimum notice period of 14 days before your next monthly payment is required; provide your contact details and signature.
FAQ
Do I have to pay upfront for veterinary fees with Healthy Paws?
Yes, Healthy Paws requires you to pay your veterinarian directly when your pet receives care. There is no advance payment or third-party payment system available—after paying the bill, you submit a claim to Healthy Paws for reimbursement according to your plan.
How do I cancel my pet insurance policy with Healthy Paws?
To cancel your policy, submit a written request by email or mail at least 14 days before your next billing date. Include your policy number, your request to cancel, and your contact details; Healthy Paws will process the cancellation per your instructions.
What does Healthy Paws pet insurance cover?
The policy covers new accidents and illnesses, emergency visits, surgeries, hospitalization, prescription medications, cancer treatment, genetic and hereditary conditions, and alternative care. There are no annual or lifetime payout limits, but coverage for exam fees, preventative care, and pre-existing conditions is excluded.
How do I file and track a claim with Healthy Paws?
You can easily submit claims through the Healthy Paws mobile app, online portal, or by email. Attach a photo of your paid invoice and, for the first claim, your pet’s full medical records. Most claims are processed within 2 business days, and reimbursements are paid by direct deposit or mailed check.
Are routine wellness visits and vaccinations covered?
No, Healthy Paws does not cover preventative or routine care, including annual wellness exams, vaccinations, flea/heartworm meds, or spaying/neutering. All such costs are the responsibility of the pet owner, and only medical treatment for accidents or illnesses is eligible under the policy.
Can I use any veterinarian with my Healthy Paws plan?
Yes, you may use any licensed veterinarian, specialist, or emergency hospital in the United States and when temporarily traveling in Canada. There is no network—you have the flexibility to select your care provider.
Do I have to pay upfront for veterinary fees with Healthy Paws?
Yes, Healthy Paws requires you to pay your veterinarian directly when your pet receives care. There is no advance payment or third-party payment system available—after paying the bill, you submit a claim to Healthy Paws for reimbursement according to your plan.
How do I cancel my pet insurance policy with Healthy Paws?
To cancel your policy, submit a written request by email or mail at least 14 days before your next billing date. Include your policy number, your request to cancel, and your contact details; Healthy Paws will process the cancellation per your instructions.
What does Healthy Paws pet insurance cover?
The policy covers new accidents and illnesses, emergency visits, surgeries, hospitalization, prescription medications, cancer treatment, genetic and hereditary conditions, and alternative care. There are no annual or lifetime payout limits, but coverage for exam fees, preventative care, and pre-existing conditions is excluded.
How do I file and track a claim with Healthy Paws?
You can easily submit claims through the Healthy Paws mobile app, online portal, or by email. Attach a photo of your paid invoice and, for the first claim, your pet’s full medical records. Most claims are processed within 2 business days, and reimbursements are paid by direct deposit or mailed check.
Are routine wellness visits and vaccinations covered?
No, Healthy Paws does not cover preventative or routine care, including annual wellness exams, vaccinations, flea/heartworm meds, or spaying/neutering. All such costs are the responsibility of the pet owner, and only medical treatment for accidents or illnesses is eligible under the policy.
Can I use any veterinarian with my Healthy Paws plan?
Yes, you may use any licensed veterinarian, specialist, or emergency hospital in the United States and when temporarily traveling in Canada. There is no network—you have the flexibility to select your care provider.
