Healthy Paws
4.5
reimbursement70%, 80%, or 90% (varies by pet age and state)
Best for: Owners who want simple, no-cap catastrophic coverage and are willing to pay exam fees and routine care out of pocket.
Insurer review
Healthy Paws review
Best for: Owners who want simple, no-cap catastrophic coverage and are willing to pay exam fees and routine care out of pocket.
Coverage terms at a glance
| Annual limits | Unlimited only |
|---|---|
| Reimbursement | 70%, 80%, or 90% (varies by pet age and state) |
| Deductible | $100 – $1,000 annual |
| Waiting periods | 15 days accidents and illnesses, 12 months hip dysplasia (pets enrolled before age 6) |
Highlights
- One simple plan — unlimited lifetime payouts with no per-incident or per-condition caps
- Consistently fast claims, most processed within days via the app
- Every free quote triggers a donation to homeless-pet medical care
Pros and cons
Pros
- Truly unlimited payouts, no caps of any kind
- No confusing riders or add-on tiers
- Fast, highly rated claims process
- Covers hereditary and congenital conditions
Cons
- No coverage for exam fees
- No wellness or preventive care option
- 12-month hip dysplasia waiting period
- Pets enrolled after age 6 get no hip dysplasia coverage at all
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Related reading
Healthy Paws FAQ
How much does Healthy Paws cost per month?
We don't publish a price for Healthy Paws, because there isn't one — premiums are filed by ZIP code and priced on your dog's age, breed, and medical history, plus the deductible and reimbursement you choose. Healthy Paws is rated here on its published coverage terms, not on price. For the industry baseline to compare a quote against, see our US pet insurance cost page, and request a quote directly for your own dog.
What are Healthy Paws's waiting periods?
15 days accidents and illnesses, 12 months hip dysplasia (pets enrolled before age 6)
What reimbursement does Healthy Paws offer?
Healthy Paws offers reimbursement options of 70%, 80%, or 90% (varies by pet age and state), with annual limits of Unlimited only and deductible options of $100 – $1,000 annual.