Healthy Paws Pet Insurance 2025: Full Review of Coverage, Pros & Cons

Our expert's opinion on Healthy Paws

Last update: June 17, 2025

Discover the offer

4.5

Score

4.5

Score

Jordan Mitchell

Personal finance editor

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.

Pros

• ✅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

Cons

• ❌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

ProsCons

• ✅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

Last update: June 17, 2025

Jordan Mitchell

Personal finance editor

Discover the offer

4.5

Score

4.5

Score

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.

Pros

• ✅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

Cons

• ❌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

ProsCons

• ✅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

Why Trust HelloSafe?

At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies on the market every year to provide you with reliable and unbiased analysis. Thanks to this thorough approach, more than a million Americans trust us every month to help guide them through their most important financial decisions.

Guaranteed Healthy Paws

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.

	Healthy PawsHealthy Paws Pet Insurance Plan Get a quote
General info
Coverage Type	Illness & Accident
Covered Pets	Dogs & Cats
Reimbursement Rate	N/A
Annual Coverage Limit	No annual limit
Annual Deductible	Customizable
Enrollment Age (Dog)	N/A
Enrollment Age (Cat)	N.C.
Health Questionnaire	Clinical exam required
Claim Reimbursement Time	2-3 days typical
Routine care
Emergency Visits	Covered
Regular Vet Visits	Not covered
Specialist Consultations	N.C.
Medication	Covered
Hospitalization & surgery
Hospitalization	Covered
Ambulance Services	N.C.
Surgery	Covered
Lab care & imaging
Imaging	Covered
Lab Tests	Covered
Radiotherapy	N.C.
Dentition
Dental Care	Not covered, except injury
Teeth Cleaning	Not covered
Prevention & specific care
Vaccinations	Not covered
Anti-Parasitics	Not covered
Neutering (Dog)	Not covered
Neutering (Cat)	Not covered
Identification	Not covered
Additional guarantees
Lifetime Coverage	Yes
Waiting Period (Accident)	15 days
Waiting Period (Illness)	15 days
Hygiene	Not covered
Alternative Therapies	N.C.
Foreign Care	Temporary Canada only
Death	Not covered
Cremation	Not covered
Euthanasia	Covered
Loss/Theft	Not covered
Boarding Fees	Not covered
General info
Coverage Type	Illness & Accident
Covered Pets	Dogs & Cats
Reimbursement Rate	N/A
Annual Coverage Limit	No annual limit
Annual Deductible	Customizable
Enrollment Age (Dog)	N/A
Enrollment Age (Cat)	N.C.
Health Questionnaire	Clinical exam required
Claim Reimbursement Time	2-3 days typical

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.

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.

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.
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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 Promo Codes

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.

Customer Reviews of Healthy Paws

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

FAQ

Jordan Mitchell

Personal finance editor

Jordan is a U.S.-based personal finance editor with over a decade of experience in financial literacy and consumer advocacy. He holds a BA in Economics from the University of California, Berkeley, and a CFP® certification. Before joining HelloSafe, Jordan worked as a financial advisor and later as lead content strategist at several fintech startups. His mission: making money management clear, relatable, and empowering for everyday Americans. At HelloSafe, he writes in-depth guides on topics like insurance, credit, loans, savings, and budgeting—focused on helping readers make smart, confident financial choices.