Healthy Paws Pet Insurance: Benefits, Costs and More!

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healthy paws pet insurance reviews image of dog and cat

There is nothing worse than seeing your loving pet get sick. So much stress comes with it! Will they get better? Are they hurting? The least of your worries as a pet owner should be if you can afford the vet bills. Luckily, the Healthy Paws Pet Insurance plans are here to give you peace of mind. Focus on your puppy or kitty getting better and leave the veterinary bills to Healthy Paws!

What Healthy Paws Pet Insurance Covers

Every insurance provider offers coverage for different conditions. Before signing up for pet health insurance, you need to know what you’re paying for.

The Healthy Paws Pet Insurance covers your precious pet’s accidents and illnesses. You never know when Fido is going to eat something toxic or when Kitty will get seriously ill. It’s best to be prepared! Here is a full list of the coverage this Petplan offers:

  • Illness
  • Accidents
  • Hereditary conditions (including hip dysplasia on dogs younger than 6)
  • Congenital conditions
  • Chronic conditions
  • Cancer
  • Diagnostic treatment
  • Physical therapy (as result of an accident)
  • X-rays, blood tests, and ultrasounds
  • Surgery
  • Hospitalization
  • Prescription medications
  • Emergency care
  • Specialty care
  • Alternative treatments

A List of Healthy Paws Pet Insurance Exclusions

So… What doesn’t Healthy Paws Pet Insurance cover? Well, there are some things that not even they will insure. Pre-existing conditions, the veterinary exam fee, and preventive healthcare (vaccines, routine check-ups, spay/neuter, teeth cleaning…) are not covered.

If you are looking for an insurance plan that covers these, you’re better off looking elsewhere. But if you’re happy (just) having cancer treatments, urinary tract infections cured, among other conditions covered, then the Healthy Paws Pet Insurance is perfect for you!

hound dog with blue cast

Pet Insurance Cost

How much your monthly premiums cost depends on several factors. How old your dog or cat is, where you live, and what breed they are all come into play. The best way to know how much Healthy Paws Pet Insurance will cost you is to request a free quote on their website.

For example, a medium-sized, mixed breed 2-year-old dog living in Denver, CO has a premium of around $35 per month. A 2-year-old mixed breed cat also living in Denver would have a premium of $20 per month.

As you can see, it’s not as expensive as you may think to have pet insurance. Plus, the benefits of getting reimbursed for unexpected vet trips really pays off!

Best Pet Insurance: Factors You Should Consider

When choosing an insurance pet policy, you need to think of several things. After all, there are so many plans out there that choosing one can be intimidating. Next time you go shopping for a pet insurance plan, keep these factors in mind:

Costs and Deductibles

At the end of the day, you need to know how insurance for dogs or cats will cost. Find out how much you can afford to pay in monthly premiums and go off from there. You also need to do the math to see what deductible works best for your budget.

The Healthy Paws Pet Insurance plan offers just one insurance package. Simply choose your annual deductible and reimbursement rate and you’re set to go.


Coverage options depend on the insurance policy and the insurance provider. Some won’t cover any congenital and genetic conditions, such as hip dysplasia. Others will. It’s all a matter of reading the fine print and choosing the policy that fits your needs.

We’ve mentioned that the Healthy Paws Pet Insurance covers accidents and illnesses alike. The only things that aren’t included are parasite control and other routine procedures, preexisting conditions, and preventative healthcare.

Another thing to be on the lookout for is the age limit imposed by some companies. Elderly cats and dogs are often uninsurable because of how old they are. This is not fair! Under the Healthy Paws Pet Insurance plan, you won’t need to worry about this. They don’t discriminate against aged pets.

Claims and Service

Here comes the usual headache: handling claim forms and the payout. Every company has a different way of filing your claims. They also have different processing times. Pay close attention to the pet insurance policies on this issue. If you don’t, you may be blindsided and left in a financially tough spot.

Filing claims with Healthy Paws Pet Insurance is a breeze. You simply take a picture of your veterinary bill and upload it to the website or through the Healthy Paws app. The vast majority of claims are processed within two business days.

Keep in mind that your coverage only kicks into action 15 days after you sign up with Healthy Paws Pet Insurance. If you are seeking treatment for hip dysplasia, then the waiting time until you can file a claim is 12 months.

man in the company of dogs giving dog medicine to a golden retriever


To enroll in a pet plan, you need to contact them and find out what their rules are. In most cases, the insurance company will request a vet exam.

Healthy Paws is no different. You need to go with your pet to a vet to get a checkup and a list of any preexisting conditions they may have. Unfortunately, the exam fee is not included in the plan.

Enrolling with the Healthy Paws Pet Insurance has a $25 one-time fee. The insurance won’t cover it either, but you only have to pay it once.

Healthy Paws Pet Insurance Reviews

Who better to talk about the Healthy Paws Pet Insurance plan than real pet parents? here’s what people on the Healthy Paws website had to say:

“I tell everyone I know that Healthy Paws is more than just an insurance company, they are like extended family. The monthly premiums are affordable, and even if you go years without ever needing to file a claim, all it takes is one accident or illness at some point in your pet’s life and the policy will more than pay for itself.” — Erica, owner of a Sphynx cat

“My dog Mojo scared his mommy quite a bit when he tore his CCL at 3 years old 🙁 He had to to have a very expensive surgery @$4500! We luckily chose the $250 yearly deductible and 90% reimbursement policy with Healthy Paws Insurance. So, we didn’t have to worry about making the choice to get him the best care.” — Rachel, owner of a Labrador Mix dog

Healthy Paws Discounts and Promotions

Healthy Paws regularly offers discounts. If you are a member of the AAA or AMAC, you automatically get a discount. Your employee’s perk program could even get you a discount! Visit their promotions page to learn more.

Pet Insurance for Dogs vs. Pet Insurance for Cats

Both cats and dogs can be diagnosed with a nasty illness or get into a freak accident. It doesn’t matter if you own a purebred or an adopted pet from an animal shelter. So, there are two Healthy Paws Pet Insurance types: insurance for cats and insurance for dogs.

adorable jack russell puppy with glasses and stethoscope

Is Pet Insurance Worth It?

Very much so! It doesn’t matter if you’re the most careful owner or if your puppy is the healthiest on the block — accidents can always happen! It’s best to be prepared financially rather than sorry. Pet insurance saves pet parents millions of dollars every year.

Why not insure your pet today with the Healthy Paws Pet Insurance and reap the lifetime benefits of their awesome coverage? This way, your furkids can live happily (and healthily!) ever after without you needing to worry if you can afford their veterinary care!

Common Questions on Healthy Paws Pet Insurance

What is the waiting period for Healthy Paws Pet Insurance?

How soon after getting pet insurance can you claim?

Does my pet need a vet exam to qualify for coverage?

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