Healthy Paws Review 2026

Healthy Paws isn’t sitting at an A+ rating on BBB or a great 4.0 score on TrustPilot for no reason. The insurer, first and foremost, doesn’t have any limits on the maximum benefit for your four-legged friends. That remains one of its standout features.

Reimbursement levels range from up to 90%, with 70 to 80% being the most common, while the annual deductible is quote-based and depends on the pet and state. Unfortunately, there’s no option for complete reimbursement, but that’s a rarity today anyway.

It’s also worth noting that the policies are underwritten by Chubb, which is one of the most trustworthy insurance providers in the world.

Moving onto insurance coverage, you can expect all the standard clauses. Your little (or big) furball’s bills for illnesses, accidents, medication, and even hereditary conditions will be covered. The coverage includes diagnostic treatment, surgeries, different examinations like x-ray, ultrasound and blood tests, hospitalizations, cancer treatment, alternative treatment, and any specialty care it may require. It also includes chronic and congenital conditions, plus specialty and emergency care.

Getting dog insurance before your pooch turns six will also cover them for hip dysplasia, which is a common medical problem for certain breeds.

But getting insurance for your fuzzy pal won’t cover every single one of their vet bills. It’s a standard list of non-coverable fees and conditions we’ve seen at other pet insurers.

For example, the policy doesn’t cover any pre-existing conditions, preventive care (vaccinations, flea control, spaying and neutering, non-accidental dental care), veterinary exams, special diets, cosmetic procedures, or behavioral training. This also includes any injuries your pet suffers before and during the onboarding process.

Is Your Pet Eligible?

A dog or a cat needs to be at least eight weeks old to be eligible for an insurance plan. The upper age limit is currently at 14 years for both cats and dogs. Senior pets, therefore, can’t be very old, or they’ll be turned down for the insurance.

Healthy Paws is a good insurance choice for pets between the ages of two and six. Older pets, especially dogs, won’t get the full benefits of this insurance if they’re not insured on time.

When requesting a quote, you’ll need to provide both the age and breed of your pet, but luckily the policy doesn’t take into account whether the pet is spayed or neutered.

In fact, you’ll never be asked about this, which makes sense considering the policy doesn’t cover those expenses anyway. What the pet insurance carrier will ask you is whether your pet has been to the vet in the past year.

In the case of pets younger than six years old, they need to have had a veterinary exam before getting insurance. Since the company examines each applicant’s medical record, and if the last exam was more than 12 months ago, you’ll need to take your pet to the vet during the 15-day onboarding period.

For pets aged six and older, the exam requirement is tighter.

Policy Plans

One word can describe Healthy Paws – simplicity. Considering that the insurer doesn’t limit a pet’s annual or per-incident coverage, there isn’t really a need for more than one plan. That simplicity is still there, but Healthy Paws now offers Signature and Value plans. With that being said, it’s not all set in stone.

During the enrollment process, the site will give you a quote based on your pet’s breed, age, and location.

Then, you’ll be able to adjust the reimbursement and deductible levels, in turn affecting the monthly rate. Obviously, the more financially beneficial options produce higher rates.

There aren’t too many options, though, just three for each aforementioned feature, and there are no policy add-ons available. It’s so simple anyone can figure it out, but it’s understandable that some pet owners would like more options here.

The exact deductible and reimbursement combinations are no longer clearly laid out as fixed public options, so the final setup depends on the quote you receive.

Policy Details

Here is a list of all the key features about the policies provided by this insurance company:

• Underwriter: Chubb
• The baseline is the last vet exam within the past 12 months or the first one after the signup.
• There are no annual or per-incident limits on claims.
• Most claims are processed within just two days; the mobile app is the fastest way to submit the pet insurance claim as all it requires is the photo of the vet bill, but you can also upload it through the website or send a claim form via email.
• Direct deposit reimbursement is available.
• In some cases, a direct payment from Healthy Paws to an animal hospital is possible, meaning you don’t need to pay the vet bill and then wait to get reimbursed.
• The waiting period is state-specific for illness, accidents, and hip dysplasia.
• 30-day money-back guarantee (free look)
• Unlimited 24/7 Airvet virtual vet care is included.
• Policy can be transferred to a new pet owner under the condition that the current owner is unable to care for the pet anymore.

Pricing & Discounts

The finances are an inevitable part of browsing for the ideal insurance for your four-legged friend. It’s not just important to get the best pet insurance, but also to look for the ways it can become more affordable for you.

Like with many other insurers, the monthly rate highly depends on your pet’s breed and age and also the state you live in.

While the site will give you a quote right off the bat, you can modify it to become more affordable or expensive, depending on how high you’d like your deductible and reimbursement to be.

This is an affordable service. Healthy Paws no longer clearly publishes flat starting premiums on its main public pages, so pricing is best treated as quote-based.

Deductibles are customizable through the quote flow, while reimbursement levels are between 50% and 90%, depending on the quote. Once you enter your pet’s age and breed, the site will give you the options available for your pet and location to further customize your monthly premium.

It’s also worth mentioning that the aforementioned levels aren’t available in every state or for every dog and cat breed. Luckily, the quote tool is free to use and doesn’t require signing up for an account, so you can check whether you’ll get the top pet insurance deal in just a few clicks.

There aren’t upper limits on per-accident reimbursements or on your pets’ annual vet bills, which is pretty rare.

There are ways to save even more on the insurance for your cat and dog even though it may not seem so right away. The site no longer makes public discount details as clear as it once did, so the best way to confirm savings is through the quote process.

Customer Service

While the mobile app is the best option for submitting claims, you might sometimes need to contact Healthy Paws customer service. You can do so either via phone, fax, or email, every day of the week except Sunday.

If you prefer social media, the company is on Facebook, Twitter, YouTube, and Instagram, but we highly recommend giving them a call or sending an email for the best service. The app, unfortunately, doesn’t serve as a way to contact the company anymore.

Even with one less point of contact, the customer support does a tremendous job, and every interaction was a pleasure. You won’t have to wait long for a resolution; the responses are clear and concise, so the only (tiny) downside is that there’s no live chat option.

Healthy Paws answers customer inquiries six days a week – Monday through Friday from 7 a.m. to 5 p.m. and Saturday from 8 a.m. to 5 p.m. PT. The claims are processed during these hours, too.

Of course, any account management, including updating payments, can be done online 24/7 through the Customer Center dashboard.

The Bottom Line

Throughout our review, we talked about some great and some not-so-great things about this insurer. The competition today is fierce – every insurance company is trying to one-up another.

It’s absolutely true that Healthy Paws can be a very affordable option for dog insurance, but that also comes at a possible future expense on your behalf if you don’t choose a high enough reimbursement level.

There’s also a matter of pet eligibility, as dogs and cats that are 14 or older can’t get insured through this company. Finally, HealthyPaws follows the trend of similar companies that won’t cover every pet expense, including behavioral training and similar preventive care.

The medical bill for your puppy and kitten can get expensive even if you have them insured, depending on the breed.

That being said, there’s a lot to like about Healthy Paws. Its claim process is among the fastest and simplest we’ve ever seen, requiring just a photo or digital copy of the vet’s bill.

Most customers say they’d submit their claim through the app while still at the vet, and while they get back home, the claim is already processed.

With unlimited payouts, fast claims, and included Airvet access, Healthy Paws still stands out as a strong accident-and-illness policy for pet owners who don’t need wellness care.