Healthy Paws Pet Insurance Review

One unique factor of this pet insurance company is their unlimited lifetime benefits. Some insurers put a maximum on benefits annually, per incident, per condition and over the lifetime of your pet. Healthy Paws policies include lifetime benefits for all of the above as long as your cat (or dog) is enrolled before the age of 14 years old.

Healthy Paws Coverage

Healthy Paws pet insurance offers one all inclusive plan which covers illness, accident, injury and genetic conditions. A comprehensive plan gives you the peace of mind of knowing your pet is covered for a variety of situations requiring emergency care.

Although you don’t have the ability to exclude a particular type of coverage, you do have flexible by selecting different combinations of deductibles and reimbursement levels. Doing so lets you determine which is best suited for your budget.

By choosing a higher deductible and lower reimbursement, you will pay more out of pocket if you pet needs treatment but your monthly premiums will be lower. With this type of option, Healthy Paws makes pet insurance very affordable for all pet owners.

Pet Insurance Discounts

Discounts are also available for members of AAA, AARP, and Military, if your cat or dog is microchipped, or for animal welfare volunteers. Below are the selections for your pet health insurance plan:

3 Annual deductible options

  • $100
  • $250
  • $500

3 Reimbursement levels

  • 70%
  • 80%
  • 90%

Healthy Paws Waiting Periods & Eligibility

Waiting Periods are commons for all pet insurance plans. Healthy Paws has the following new pet enrollment waiting periods:

  • Accidents = 15 days
  • Illness = 15 days
  • Hip Dysplasia = 12 months

Eligibility requires your pet have an exam. Pets under six years old must have had an exam in the 12 months before enrollment and those six years and older need to have had an exam in the 30 days. If your pet hasn’t had an exam in the required timeframe, then they would need to have an exam within 15 days from their enrollment date.

Pet Insurance Exclusions

Since the wellness component is not included in the Healthy Paws comprehensive plans, these types of fees are not covered. Examples of these kinds of charges which are excluded from coverage are annual exams, flea/tick medicine, and spaying/neutering. Dental issues are also excluded unless care is needed due to an accident.

Pet Insurance Cost

Typical Average Monthly Cost:

  • Cats = $15 – $35
  • Dogs = $25 – $45

Also, there is a one-time setup fee of $25 which is added to your first payment.

Healthy Paws Pet Insurance and Foundation.


  • One plan for all benefits
  • Unlimited lifetime benefits
  • Covers hereditary and congenital conditions
  • Discounts available


  • No options for wellness insurance
  • Pre-existing conditions not covered

Pet Insurance Quote

Healthy Paws provides a fast, free quote online. The only information you need to provide is:

  • Pet name
  • Cat or Dog
  • Breed
  • Pet Age
  • Zip Code
  • Email
  • Discounts

You then get a quote. To continue with completing signing up your pet, you enter your pet’s gender, date of last vet exam, prior medical conditions and your information. You can also add a second pet on this page too so you can sign them all up at once. Healthy Paws offers a 30-day money back guarantee.

Healthy Paws have a 98% satisfaction rating with its customers. I read the customer reviews, and there were a lot of them, and these were recent reviews too, so they’re not relying on a few good older ones.

I also searched for negative reviews and did find some which are normal for any company. The common theme was the $25 sign up fee, not covering vet exams and what is considered a pre-existing condition. By far the positive reviews dwarfed the negative ones. Most of the complaints are regarding information I have included here in this article.

Healthy Paws Pet Insurance & Foundation

Final Thoughts
Healthy Paws is an excellent choice for cat or for dog insurance. I like the idea of the comprehensive plan because it includes all the situations that tend to be more expensive for pet owners.

What I like best about this pet insurers is they offer unlimited lifetime benefits and cover hereditary and congenital conditions, these are enormous benefits. Plus, you never want your pet to get sick, but it’s reassuring knowing that you have coverage for cancer, specialty care and hospitalization which are all very expensive.

Bonus Points for Goodwill – Helping Homeless Cats & Dogs

Although this may not matter much for some of you, I do try to support groups which help homeless and pet rescue groups. For any plans purchased, Healthy Paws donates services and time to assist with pets who aren’t as fortunate as ours. Their mission is to not only protect our pets with affordable coverage but also to help save homeless cats and dogs.