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Healthy Paws Pet Insurance Review

Healthy Paws Pet Insurance Review


Most of us love our pets to the ends of the Earth — so much so we would do anything to make sure they have proper medical care.

Pet insurance is a product which can help in this respect — especially if you’re worried about unexpected veterinary bills.

With a pet insurance policy in place, you can rest assured knowing you have the means to pay for important procedures or surgeries if your pet becomes injured or ill.

Healthy Paws Pet Insurance & Foundation is a company who provides exactly that — pet insurance which can protect your pet’s life.

Keep reading to learn more about this insurance product, what it covers, and how much it costs.

Introducing Healthy Paws Pet Insurance

Healthy Paws Pet Insurance offers insurance products for dogs, puppies, cats, and kittens.

These plans are available for animals with no pre-existing conditions, offering coverage for the following situations:

  • Accidents
  • Alternative treatments
  • Cancer
  • Chronic conditions
  • Congenital conditions
  • Diagnostic treatment
  • Emergency 
  • Hereditary conditions
  • Hospitalization
  • Illnesses
  • Prescription medications
  • Specialty Care
  • Surgery
  • X-rays, blood tests, ultrasounds

According to Healthy Paws Pet Insurance, you can get your puppy covered starting at just 8 weeks old.

If you enroll your dog before the age of six, hip dysplasia is also covered at no cost.

You can also enroll your cat or kitten for pet insurance coverage up until their 14th birthday.

Healthy Paws Pet Insurance Benefits

While pet health insurance products all vary in what they offer and how they process claims, Healthy Paws Pet Insurance has a few main factors working in its favor.

The biggest benefits of this program include:

  • No lifetime caps on medical care or costs
  • 99% of claims are processed in two days
  • You can use any licensed veterinarian you want

Exclusions: What Isn’t Covered?

While the above situations and treatments are the most common ones for dogs and cats, not everything is included in Healthy Paws Pet Insurance plans.

With Healthy Paws Pet Insurance, you’ll have to cover the following conditions and fees out of your own pocket. 

  • Examination fees
  • Pre-existing conditions
  • Pre-existing cruciate ligament: When the injury to the cruciate ligament of one leg occurs before enrollment or in the 15-day waiting period, the other leg’s cruciate ligament is excluded from coverage, the company’s only bilateral exclusion.
  • Preventative care such as vaccinations, flea control, heartworm medicine, parasite control, dental care, spay and neuter, and anal gland expression.

According to Healthy Paws, a pre-existing condition is one which happened or demonstrated clinical symptoms before coverage began or in waiting periods.

In other words, they do not cover any conditions that existed before you procured pet insurance for your pet — even if the condition wasn’t diagnosed yet.

Before you buy a policy, make sure you understand all the exclusions that are not covered.

How Does Healthy Paws Pet Insurance Work?

Pet insurance works similarly to any other insurance product, especially traditional health insurance for humans.

Remember how pre-existing conditions aren’t covered? You’ll start the process by enrolling your pet in their own insurance plan before they get sick or get injured.

From there, you’ll pay monthly premiums similar to other recurring bills like health insurance or utility bills.

Then, if your pet becomes sick or injured, you’ll file a claim with Healthy Paws Pet Insurance to get appropriate treatments covered.

According to Healthy Paws, you can:

  • Submit a claim online from anywhere by sending your veterinary hospital’s invoice through the website of the Healthy Paws mobile app
  • Receive a reimbursement check via mail or direct deposit after your claim is processed in as little as a few days
  • Get especially expensive treatments pre-authorized by Healthy Paws so you can avoid paying out of pocket and waiting for reimbursement
  • Check the status of your claim online at any time

How Much Does A Healthy Paws Pet Insurance Plan Cost?

Like any other insurance product, pet insurance rates for Healthy Paws Pet Insurance varies based on factors such as the type of pet you have, the age of your pet, and your pet’s breed.

A few example premiums we came up with include:

Madge, a six-year-old large mixed breed dog from Ohio

Madge Healthy Paws rates

Myrtle, a one-year-old domestic short-haired cat from California

Myrtle Health Paws rates

Pikachu, a two-year-old toy mixed-breed dog from Iowa

Pikachu Healthy Paws rate


As you can see, rates are all over the place and depend on the type of pet you have, their age, and where you live.

It’s also important to note that, with any of these plans, you’ll have to pay an annual deductible before coverage kicks in.

This deductible must be met before your pet insurance coverage comes into play, and it is paid on top of your monthly pet insurance premiums.

Also, note that there is a one-time $25 enrollment fee to get your plan started.

If you’re curious how much you’ll pay for pet insurance from Healthy Paws, your best bet is getting an online quote.

It’s easy and free to do so, and it may help you decide whether you can afford a policy right now — or if you need to wait.

Fortunately, pet insurance often costs a lot less than people realize.

Having a policy can also pay off big time if your pet gets sick or needs emergency medical treatment for any reason.

Does Healthy Paws Get Good Reviews?

According to Healthy Paws, the company received consumer pet insurance awards in 2016, 2017, and 2018.

They also feature many, many positive reviews on their website and elsewhere on the web. As of August 2018, the company even boasts a 9.8 satisfaction rating out of 10.

Customers who rated Healthy Paws praised them for their easy and fast claims process, as well as their customer service.

Some customers even noted their customer service reps seemed “kind and sincere” and how the company truly cares for the customers.

Should You Get Pet Insurance with Healthy Paws?

If you have a pet you love and don’t want to worry about paying for their medical care, pet insurance can be a great deal.

You will need to pay a monthly premium for this important coverage, but you will never again have to worry about your pet becoming sick or injured and being unable to afford it.

Before you sign up for a plan, it definitely makes sense to compare several pet insurance companies online.

Not only should you compare the monthly premiums you’ll be asked to pay, but you should compare annual deductibles, coverages, exclusions, and reviews.

With that in mind, Healthy Paws offers a solid insurance product that is highly rated and popular with consumers.

You may also be able to qualify for an especially affordable policy if your pet is young and in good health.

The sooner you purchase pet insurance, the faster you’ll be able to rest assured knowing your pet is covered.

Get quotes for pet insurance today, and you won’t regret the purchase.

If you wind up having to file a claim, it could save your finances — and perhaps even your pet’s life.

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