Healthy Paws Pet Insurance Review & Prices

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Healthy Paws ties for No. 6 in our Best Pet Insurance Companies of 2022 rating. Healthy Paws has partnered with the global insurance broker Aon Corporation, and its pet insurance plans are underwritten and issued by the Chubb Group. With Healthy Paws insurance, pet owners get coverage for accidents, illnesses, cancer, emergency care, genetic conditions, dental care, and alternative care, like acupuncture and chiropractic.

Pros:

  • No coverage limits

  • You can use any licensed veterinarian

  • No claims forms as vet bills are submitted through mobile app or website

Cons:

  • Pet insurance is only available for cats and dogs

  • For pets enrolled before the age of six, there is a 12-month waiting period for hip dysplasia

  • There is a $25 admin fee charged to set up all accounts

With a focus on illness and injury, Healthy Paws – which provides coverage for cats and dogs – offers no annual, lifetime, or per-incident cap on its claims payouts.

Healthy Paws requires a short waiting period of about two weeks before accident and illness coverage kicks in. A 15-day waiting period is not out of the ordinary for companies or agencies in our rating. However, there is a 12-month waiting period for hip dysplasia for newly insured pets under the age of six.

It can take up to 10 days for most claims to be processed, but you wouldn’t need to fill out claims forms. After a vet visit, you would simply take a photo of the vet bill and submit the image using the Healthy Paws app or through the company website.

Healthy Paws doesn’t offer multiple pet discounts, but you’re able to choose any licensed vet as part of its insurance package.

Bottom Line:

Healthy Paws offers accident and illness pet insurance policies with smartphone-based, form-free claims submissions. It can take about 10 days for claims to be processed and another 24-hours for the reimbursement to be issued.

Healthy Paws’ comprehensive coverage includes treatment for new accidents and illnesses, along with hereditary and congenital conditions (following a waiting period) and chronic conditions. The plan covers cancer, diagnostic treatment, and surgery. Pet owners who purchase Healthy Paws insurance will be reimbursed for some of the expense of covered hospitalizations, medications, and emergency and specialty care.

A stand-out feature of Healthy Paws is its coverage of alternative therapies like acupuncture and chiropractic care for animals. A downside is that vet exam fees are not included.

In most states, there are waiting periods before Healthy Paws coverage kicks in. Your pet must be enrolled in the plan for 15 days before an accident or illness claim and 12 months for hip dysplasia if your animal is younger than six. New Hampshire and Maryland don’t have waiting periods for accidents or illnesses.

Healthy Paws Pet Insurance has no caps on payouts, per-incident caps, annual caps, or lifetime caps.

Healthy Paws doesn’t have optional features like some of the other companies and agencies on our Best Pet Insurance Companies of 2022 rating. Despite this, you can customize the premium by changing the reimbursement rate and deductible.

For example, if you want a lower monthly premium, you can reduce the reimbursement level. This means you will pay more for out-of-pocket vet expenses. You can also reduce the cost of premiums by increasing your deductible, this would also raise your out-of-pocket expenses if you needed to go to the vet.

The cost of Healthy Paws Pet Insurance will vary, depending on some of the following factors:

  • Age of your animal
  • Whether you have a cat or dog
  • Breed

For example, if you have a 1-year-old female mixed-breed dog weighing between 50 and 90 pounds with a 90% reimbursement rate and a $500 annual deductible, you will pay $44.37 per month. For an under 1-year-old male domestic shorthair cat with the same policy, the cost would be $16.54 per month.

Pet Insurance Cost Comparison

COMPANY

SAMPLE MONTHLY COST FOR DOGS

SAMPLE MONTHLY COST FOR CATS

LEARN MORE

Healthy Paws »

$26.89$11.93Get A Quote »
Spot »

$36.54$16.51Get A Quote »
Lemonade »

$19.44$11.00Get A Quote »
Trupanion »

$70.12*$30.88*Get A Quote »
Embrace »

$29.71$12.22Get A Quote »
Pets Best »

$44.37**$16.54**Get A Quote »
Nationwide »

$56.74***$28.15***Get A Quote »
ASPCA Pet Health Insurance »

$36.54$20.17Get A Quote »
Figo »

$31.34$18.18Get A Quote »
Fetch by The Dodo »

$35.25$20.16Get A Quote »

Healthy Paws doesn’t offer multi-pet discounts like some of the other companies in our rating. With this insurance, you will pay for exam fees, and preventive care is not covered.

The prices for the table below are for monthly premiums. For more information, read our guide on how much pet insurance costs.

 

How do I buy pet insurance from Healthy Paws?

To buy pet insurance from Healthy Paws, start by filling out an online form to get a quote. Indicate whether you have a cat or dog, whether it’s a male or female, the breed type, your pet’s name, and your ZIP code. Finally, provide your email. Healthy Paws will provide a quote within a few seconds.

Once you’ve received your quote, you can decide whether or not to move forward and purchase a pet insurance policy with Healthy Paws.

Is there a waiting period for a Healthy Paws plan?

In most states, Healthy Paws Pet Insurance plans have a waiting period of 15 days after the policy’s effective date for accident and illness claims, which is the day after you enroll. After that, you can submit claims. If your pet is younger than age six, there is a 12-month waiting period for illness related to hip dysplasia. There are no waiting periods in Maryland and New Hampshire, but check your policy for verification.

COMPANY

ACCIDENT

ILLNESS

HIP DYSPLASIA

CRUCIATE LIGAMENTS

Healthy Paws »

15 days15 days12 months*15 days
Spot »

14 days14 days14 days14 days
Lemonade »

2 days14 days6 months6 months
Trupanion »

5 days30 days30 days30 days
Embrace »

48 hours14 days6 months6 months
Pets Best »

3 days14 days14 days6 months
Nationwide »

14 days14 days14 days**14 days
ASPCA Pet Health Insurance »

14 days14 days14 days14 days
Figo »

3 days14 days1 year1 year
Fetch by The Dodo »

15 Days15 Days15 days15 days

Does Healthy Paws offer a wellness plan?

Healthy Paws doesn’t offer a wellness plan for routine veterinarian visits such as vaccinations or check-ups.

Does Healthy Paws cover pre-existing conditions?

Pre-existing conditions are not covered by Healthy Paws insurance.

Does Healthy Paws cover spaying?

Healthy Paws policies do not cover the cost of spaying or neutering your pet.

Does Healthy Paws cover dental cleanings?

Healthy Paws does not cover the cost of dental cleaning, nor does the company cover pre-existing dental issues or treatment for periodontal issues due to lack of preventive care. However, Healthy Paws does cover dental injuries caused by accidents, such as a tooth chipped by gnawing on a toy.

The policy also covers these dental issues:

  • Dental malocclusions, a hereditary issue
  • Dentigerous cysts, a chronic condition
  • Stomatitis, a gum disease that usually affects cats

How do I contact Healthy Paws’s customer service?

To contact Healthy Paws customer service, call Monday to Friday from 7 a.m. to 5 p.m. PST or Saturday from 8 a.m. to 5 p.m. PST. Alternatively, fill out an email form and a representative will respond. Healthy Paws says you can handle nearly all account management issues online.

Does Healthy Paws have any coverage limits?

Healthy Paws Pet Insurance doesn’t have coverage limits, such as per-incident limits or annual or lifetime caps. This could reduce your out-of-pocket financial responsibilities compared to policies that do have payment limits.

Does Healthy Paws have a deductible?

Healthy Paws has an annual deductible. All claims related to accidents, illnesses, and injuries go toward the deductible.

How do I file a claim with Healthy Paws?

To file a claim with Healthy Paws, send the company the paid veterinary invoice through its online customer service center or the Healthy Paws app. Healthy Paws also accept claims through email, fax, or mail.

To follow up on a claim or ask questions, you can email the company. You do not need a claim form; simply take a picture of the invoice and upload it. However, if you prefer to use a form, there is a template in the My Account section of the Customer Center.

How long does it take Healthy Paws to reimburse a claim?

Healthy Paws processes claims within 10 days, and you can expect reimbursement within 24 hours. If you choose to receive a check, allow for up to 10 days for reimbursement. How quickly direct deposit reimbursements land in your account depends on your bank.

How do I cancel a pet insurance policy from Healthy Paws?

You can cancel a Healthy Paws policy via mail, fax, email, or phone. The company asks for notification at least 14 days before your next premium payment.

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