HomeGuidesHealthy Paws Pet Insurance Review: Best for Emergencies

Healthy Paws Pet Insurance Review: Best for Emergencies


Just like you would get medical insurance to protect yourself from unforeseeable emergencies, it is as important to insure your pet. But, which insurance provider should you choose? 

You will come across an overwhelming pool of pet insurances available in the market. Should Healthy Paws be your go-to insurance company?

This Healthy Paws Pet Insurance review will answer all your questions.

healthy paws pet insurance logo
Name of Insurance ProviderHealthy Paws Pet Insurance
Year of Establishment2009
Key FeaturesA- rating from BBB, easy claims,
Coverage LimitsNo Coverage Limit
Waiting Period15 Days
Phone Number855-898-8991


Established in 2009, the Healthy Paws Pet Insurance and Foundation was co-founded by Rob Jackson and Steve Siadek. Since then, it has been providing some of the best medical care to dogs and cats. 

The founders also run a non-profit foundation. Through their Every Quote Gives Hope medical grant program, they provide financial aid to several animal shelters, helping homeless animals and rescued pets. 

Overview of Healthy Paws Pet Insurance

Pros Explained

  • PAYOUT LIMITS: Unlike their counterparts, Healthy Paws Pet Insurance provides unlimited payout limits.
  • EASY TO USE: The claiming process is a hassle-free procedure and offers a host of  annual benefits.
  • AVAILABILITY: The insurance plan can be used at any licensed vet or clinic, nationwide.
  • CLAIM FORM: You do not require to fill any claim form.

Cons Explained

  • LIMITED SERVICE: Does not offer a wellness plan.
  • FEES: Vet examination fees are not covered under the program.
  • POLICY PRICE: Policy options are fewer and expensive for older pets in comparison to younger ones.
  • NOT FOR ALL: Only offers insurance coverage for cats and dogs.

What Does Healthy Paws Pet Insurance Cover?

Does Healthy Paws Pet Insurance cover vaccines? We have prepared a list of some of the things covered by Healthy Paws: 

  • Illnesses
  • Accidents
  • Hereditary Conditions
  • Congenital Conditions
  • Chronic Conditions
  • Hip Dysplasia 
  • Alternative Care and Medication
  • Cancer Treatment 

Vaccines, unfortunately, are not covered under Healthy Paws Pet Insurance. 

TreatmentsIncluded in Plan?
Exam feesNo
Chronic ConditionsYes
Pre-existing conditionsNo
Hereditary ConditionsYes
Prescription MedicationsYes
Behavioral treatment No
X-Rays, Blood Tests, UltrasoundsYes
Diagnostic TreatmentYes

What’s Included?

As the Healthy Paws Pet Insurance review mention, the plan covers veterinary care. Besides preventive care and wellness plans, it covers every other medical expenditure except vaccinations. 

What’s Not Included?

Here is a list of exclusions and limitations that Healthy Paws Pet Insurance follows:

  • Exam fees
  • Pre-existing conditions
  • Behavioral treatment 
  • Grooming, boarding, and other wellness plans
  • Preventive care
  • Diets
  • Supplements

Available Plans

Healthy Paws offers a single plan that covers accidents and illnesses that your pet may endure. Pet owners can enjoy a personalized pet insurance quote, which includes their reimbursement rates and the monthly policy price. 

Do Healthy Paws increase rates if the cost of veterinary care changes? Yes, there is a high possibility of a change in rates of insurance policies. You should expect an annual increase based on the location, vet costs, and more. 

Plan Pricing 

Healthy Paws Pet Insurance cost is affordable and can easily fit any budget. Everyone is quoted a customized price keeping in mind certain factors like the breed of the pet, their age, their location, and more. 

Does Healthy Paws have a AAA discount? Yes, it does. All AAA members enjoy a lifetime discount of 10%. 

Also Read: Dog Vaccine Shots: A Complete Guide

Pre-existing Conditions

The Healthy Paws Pet Insurance does not provide coverage for your pet’s pre-existing conditions

Coverage Limits 

Healthy Paws doesn’t offer any coverage limits. The insurance can be used for an unlimited period of time. 


When filing for a claim, you can submit it online through the Healthy Paws mobile application, or on their official website. You’ll receive the reimbursement within two days. It’s fast and easy! 

waiting period of healthy paws pet insurance

Waiting Period 

The Healthy Paws Pet Insurance policy comes into effect after a waiting period of 15 days.

Terms are slightly different for pets suffering from hip dysplasia. There is a waiting period of 12 months for pets who were enrolled before turning 6 years old.

There is no waiting period issued for pet owners from Maryland and New Hampshire. 

Read Ted H.‘s review of Healthy Paws Pet Insurance & Foundation on Yelp


Healthy Paws offers one of the most comprehensive, and value-for-money insurance plans available in the market.

It is ideal for those looking for a no-nonsense, easy-to-use plan. The plan is quick, simple, and efficient. It is also one of those policies you’d want with you in times of an emergency.

Make sure to go through Healthy Paws Pet Insurance review before you enroll to enjoy their outstanding customer service. You will soon realize it is worth every penny. 

Frequently Asked Questions

What is the Cancellation Policy of Healthy Paws Pet Insurance?

Wondering how do I cancel my Healthy Paws policy? If you’re not enjoying the amenities offered by Healthy Paws Pet Insurance, you can cancel the policy. If you are a pet parent/policyholder per the Policy Declarations Page issued by Healthy Paws Pet Insurance, you are permitted to do so. 

You can submit your cancellation request verbally, through email, or by fax. If you do not file a claim and request for cancellation within the first 30 days of subscription, you will get a full refund. However, this offer is not available to the policyholders of South Carolina and New York. 

What Does Healthy Paws Pet Insurance Not Cover?

It is normal to wonder what is covered under Healthy Paws Pet Insurance and what is not. So before you purchase the policy, remember that the following are not covered under Healthy Paws Pet Insurance:

  • Burial and cremation costs
  • Behavioral therapies 
  • Pre-existing conditions
  • Non-medical, cosmetic procedures
  • Preventive care like grooming, vaccinations, etc. 
  • Dental care, unless injuries are caused by an accident

Is There a Waiting Period After Enrollment?

Yes, as with any top-rated pet insurance plan, there is a waiting period of 15 days after you enroll in the programs, hence the policy comes into effect after the waiting period is over.  

How Do You Use a Healthy Paws Pet Insurance Veterinary Discount?

It is fairly simple and easy to use a healthy paws pet insurance veterinary discount. You can reimburse up to 90% of your bill with the various plans offered by Healthy Paws. 

Visit any vet, medical expert, or clinic anywhere in the United States of America. Once the medical procedures and treatments are done, submit a photo of the invoice to Healthy Paws, and then the claim is processed. This usually happens within 2 days, you will get your money back. 

Paul Andrewshttps://www.linkedin.com/in/paul-andrews-172490189/
A digital marketing expert by profession, Andrews is a gifted writer and animal lover at heart. A self-confessed "pawrent", Andrews is well-versed in all things dogs. He uses his years of experience of raising puppies into show quality dogs to help guide first time pet parents. He believes in spreading the joy that comes with being a dog dad and advocates more families to adopt pets.


Please enter your comment!
Please enter your name here