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Healthy Paws Pet Insurance is a reputable provider with consistently strong customer feedback, comprehensive accident-and-illness coverage, and fast digital claims. The company highlights quick turnaround—processing most claims within a few days of submission. Plus, with every insurance quote issued, Healthy Paws makes a donation to pet rescues and animal shelters across the country.
While we love the simplicity of the single insurance plan for comprehensive coverage, there are a few potential drawbacks to be aware of. First, there’s no 100% reimbursement option—you can tailor your plan to reimburse between 70% and 90% of your costs. Secondly, there are restrictions on hip dysplasia coverage, including a 12-month waiting period and an age-at-enrollment limitation (dogs first enrolled at age six or older are generally not eligible for hip dysplasia coverage). However, there are no annual, per-incident, or lifetime caps on claim payouts and as long as your pet isn’t suffering from a preexisting condition or one of the other listed exclusions, Healthy Paws will pay out as much as needed to get your pet healthier.
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The Pet Insurance Factors We Analyzed
Pricing
With Healthy Paws, there are no complicated plans to choose from and no additional costs for extra services. However, your monthly rate still varies depending on several pet-related factors (including your pet’s breed, age, and geographic location), as well as several policy-related factors (including your chosen deductible and reimbursement percentage). According to industry data from NAPHIA, average monthly premiums for accident & illness coverage are roughly $56 for dogs and $32 for cats across the U.S., though individual quotes vary widely. Healthy Paws pricing is influenced by these factors—see their pricing details. Deductible options range from $100 to $500, while reimbursement options range from 70% to 90%. Unfortunately, there is no 100% reimbursement option with Healthy Paws.
Customer experience
Healthy Paws is known for its high levels of customer satisfaction. You’ll find many recent reviews on trusted sites like Trustpilot and the Better Business Bureau (BBB). Ratings and review volumes change over time, so check the current TrustScore, total reviews, and star distribution, and consider the BBB profile’s complaint and resolution history. Consumers rely on reviews—98% read online reviews for local businesses—and platforms continue to invest in integrity measures; for example, Trustpilot’s transparency reporting notes that a mid–single-digit percentage of reviews are removed for guideline breaches, and BBB handles over a million consumer complaints annually. The bottom line: prioritize recent reviews, volume, and distribution when comparing insurers.
Information is reasonably easy to find on the Healthy Paws website. Although Healthy Paws doesn’t offer a feature-rich app like Figo’s Pet Cloud, you can still file claims quickly and easily through the Healthy Paws app.
Coverage
Healthy Paws offers one comprehensive, easy-to-understand coverage plan. Illness, accidents, congenital conditions, chronic conditions, cancer, diagnostics, surgery, hospitalization, prescriptions, emergencies, specialists, and many alternative treatments are covered. Notable exclusions include preexisting conditions, vet exam fees, routine/wellness care, and dental illness (e.g., periodontal disease); there are no annual or lifetime caps on payouts. Always review the specific policy form for your state and see what’s not covered for details.
The one major hole in coverage concerns hip dysplasia. There’s a 12-month waiting period for hip dysplasia coverage, and dogs first enrolled at age six or older are generally not eligible for hip dysplasia coverage (terms vary by state—see exclusions and policy terms). If you have a large-breed dog, which is known to be prone to hip dysplasia, you may want to choose a provider that’s more hip dysplasia friendly, such as Figo Pet Insurance.
Healthy Paws Pet Insurance Overview: Financial Strength, Availability, and History
Healthy Paws Pet Insurance is underwritten by the Chubb Group, which is rated A++ (Superior) for financial strength by AM Best. In operation since 2009, Health Paws became accredited by the BBB in 2011. Healthy Paws is BBB accredited with an A+ rating, and pet coverage is available nationwide. When evaluating reviews, consider that overall U.S. customer satisfaction has firmed in recent years per the American Customer Satisfaction Index (ACSI), but performance varies by industry.
- In business since: 2009
- BBB Rating: A+
- AM Best Financial Strength Rating: A++ (for underwriting company, the Chubb Group)
- States served: 50
The Competition
| States Available | Vet Exam Coverage Offered | Wellness Coverage Offered* | |
| Healthy Paws | 50 | No | No |
| Figo Pet Insurance | 50 | Yes | No |
| Nationwide | 50 | Yes | Yes |
| Embrace | 50 | Yes | Yes |
| 24 Pet Watch | 50 | Yes | Yes |
| Trupanion | 50 | No | No |
*Coverage for routine care like vaccinations, flea/heartworm prevention, etc.
All information accurate as of 11/11/2025. Note: Nationwide has paused new pet-insurance enrollments for now; existing policies remain in force (source).
The Bottom Line
Healthy Paws Pet Insurance offers comprehensive coverage in a straightforward policy that leaves little room for confusion or misunderstandings. With strong customer feedback, quick digital claims processing, and unlimited claim payouts, Healthy Paws is a solid option for most pet owners. And we love that it regularly donates to pets in need. Having said all that, if you have a mature, large-breed dog, you may want to consider an insurance provider with fewer restrictions on hip dysplasia coverage. Figo Pet Insurance, for example, doesn’t have a pet age limit or require a 12-month waiting period for hip dysplasia and also offers up to 100% reimbursement in some states. However, with that single exception, it’s hard to go wrong with Healthy Paws.
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