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HealthyPaws Summary
Healthy Paws offers a pet insurance policy for dogs and cats. The company’s plan covers up to 90% of medical expenses and most claims are reimbursed within 2 days. The plan doesn’t have any per-incident or annual caps on reimbursement and you can visit any veterinarian. Your pet can be enrolled in coverage at any age, although Healthy Paws does not cover pre-existing conditions or preventative care.
HealthyPaws Pros & Cons
Pros
No per-incident or annual reimbursement caps
Most claims are paid within 2 days
Visit any veterinarian
Cons
Limited plan customization options
Does not cover preventative care
Requires a 15-day waiting period
HealthyPaws at a glance
8
Editorial scoreOnline experience
Great site with learning resources
8.0
Customizable rates and services
Customizable plans and rates, upper age limit
8.0
Claims payout waiting period
Days
8.0
Customer support
Evening and weekend communication available through multiple channels
8.0
Bundles
Multiple bundles available
8.0
What Does it Cover
The Healthy Paws pet insurance plan covers a wide range of conditions, including:
- Illnesses
- Accidents
- Chronic conditions
- Cancer treatment
- Emergency care
- Specialty care
- Alternative treatments
- Surgery
- Prescription medications
- Diagnostics (X-rays, blood tests, ultrasounds)
Insurance Plans & Pricing
Healthy Paws only offers a single plan option for dogs and cats. This plan does not have annual or per-incident reimbursement limits, and you have the option to customize both your deductible and reimbursement rate.
For a male 2-year old, medium-sized dog, a 90% reimbursement rate and $100 deductible costs $84.50 per month. For the same pet with a 70% reimbursement rate and $500 deductible, coverage costs $39.64 per month.
For a 5-year old domestic short-hair female cat, a 80% reimbursement rate and $250 deductible costs $25.47 per month. For a 70% reimbursement rate and $500 deductible, coverage costs $19.31 per month. These rates are based on April 2021 premiums in Pacoima, CA.¹
Healthy Paws has also expanded its plan customization options with the introduction of new high-deductible choices at $1,500, $3,000, and $5,000. These higher deductible tiers were created to provide more flexibility for pet parents looking to keep monthly premiums manageable while still maintaining coverage for major, unexpected veterinary expenses. This gives customers additional ways to balance affordability with meaningful financial protection.
In addition to its core coverage, Healthy Paws now includes complimentary access to Airvet, a 24/7 virtual veterinary care service available to all policyholders. Launched as a new benefit in September 2025, Airvet allows pet parents to connect with licensed veterinarians anytime, from anywhere, offering immediate guidance and peace of mind without needing an in-person appointment. This added support enhances the overall customer experience by making expert advice available whenever concerns arise.
What is Not Covered
Like most of the best pet insurance providers, the Healthy Paws plan does not cover pre-existing conditions, whether they were fully diagnosed or just visible prior to enrolling your pet. It also does not cover preventative treatment, spaying or neutering, or routine dental care. The Healthy Paws plan also does not reimburse for examination fees or referral fees.
Waiting Periods
Healthy Paws requires a 15-day waiting period² before your plan coverage takes effect.
Coverage Limits
There are no per-incident, monthly, or annual coverage limits with the Healthy Paws plan.
Reimbursement and deductibles:
You can customize your Healthy Paws insurance plan to select a 70%, 80%, or 90% reimbursement rate. You can also choose a $100, $250, or $500 annual deductible.
Pet Type | Short-hair cat | Medium mixed-breed dog | Labrador Mix |
| Age | 5 | 2 | 4 |
| Reimbursement Level | 80% | 90% | 80% |
| Deductible | $250 | $500 | $250 |
| Price per month | $12.45 | $33.47 | $39.23 |
Claims and Service
You can submit a claim to Healthy Paws through your online account, through the Healthy Paws mobile app, or by email. Your claim must include the invoice from your veterinarian and your pet’s entire medical history if Healthy Paws does not already have this information on file. Most claims are processed within 2 days and reimbursements can be sent by direct deposit or check.
If you have a question about your claim, you can reach Healthy Paws’ customer service team by phone, email, or live chat. Support is available from 7 AM to 5 PM (PST) Monday to Friday and 8 AM to 5 PM Saturday.
What You Might Like
The Healthy Paws plan doesn’t impose per-incident or annual reimbursement limits. So, you’re covered even if your pet has multiple accidents or illnesses in a single year. Another nice thing about Healthy Paws is that you can visit any vet without prior authorization.
What Healthy Paws Could do Better
The Healthy Paws plan doesn’t cover examination fees or preventative care. These costs can add up over time, especially in your pet’s younger years.
Contact Details and Address
Healthy Paws Pet Insurance, P.O. Box 50034, Bellevue, WA 98015
Phone: (855) 898-8991
Bottom Line
Healthy Paws offers a customizable pet insurance policy for cats and dogs. The plan offers unlimited coverage for accidents and illness, with a reimbursement rate from 70% to 90% after your deductible. The Healthy Paws plan covers a wide range of care and allows you to use any vet, but does not cover preventative care, examination fees, or pre-existing conditions. You can submit claims to Healthy Paws online or via a mobile app and expect approval within 2 days in most cases.
Methodology
This review was based on information from the Healthy Paws website and online rate quote tool.
¹Premiums vary based on type of pet (dog or cat), age, breed and location. Rates must be approved by each state’s insurance regulators.
²Waiting periods do not apply to the states of Maryland and New Hampshire. Additionally, Maryland does not have age limits for hip dysplasia.
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Written byMichael Graw
Michael Graw is a personal finance expert at BestMoney.com, specializing in online banking and insurance. His work has appeared in print magazines and on high-impact websites. With a passion for clarity and practicality, Michael helps readers navigate today’s financial landscape.