Healthy Paws pet insurance scored 1.75 out of 5 for cats and dogs in MoneyGeek's analysis. Customer experience ranks fourth among competitors, but premiums run high. Healthy Paws makes you wait 15 days for accident coverage.
Healthy Paws Pet Insurance Review
Updated: November 27, 2025
Advertising & Editorial Disclosure
Healthy Paws Pet Insurance Review: Key Takeaways
Healthy Paws ranks sixth in affordability for dogs and cats at $139 and $48 monthly.
Healthy Paws ranks fourth nationally in customer experience with an A+ BBB rating and a 3.8 out of 5 Trustpilot score.
Healthy Paws places sixth nationwide for coverage, providing accident and illness plans without wellness or preventive care options.
Healthy Paws Pet Insurance Ratings
Data filtered by:
Dog
| Affordability | 1.67 | 6 |
| Coverage | 1.67 | 6 |
| Customer Experience | 1.94 | 4 |
| Overall Score | 1.75 | 6 |
WHO IS HEALTHY PAWS PET INSURANCE BEST FOR?
Healthy Paws ranks among the top pet insurance companies for owners wanting unlimited payouts and direct vet payment. That said, it imposes a 15-day waiting period for accidents and doesn't provide optional wellness plans for routine preventive care.
Learn more about the best pet insurance options for your pet:
Healthy Paws Pet Insurance Ratings by State
While Healthy Paws doesn't offer the best pet insurance overall, the company peaks at fifth place for cats in 10 states and sixth for dogs across all states. Customer experience stays consistent at fourth nationwide for cats and dogs. Cat insurance affordability hits fourth place in seven states.
Data filtered by:
Overall Score
Dog
| Alabama | 1.75 | 6 |
| Alaska | 1.75 | 6 |
| Arizona | 1.75 | 6 |
| Arkansas | 1.75 | 6 |
| California | 1.75 | 6 |
| Colorado | 1.75 | 6 |
| Connecticut | 1.75 | 6 |
| Delaware | 1.75 | 6 |
| Florida | 1.75 | 6 |
| Georgia | 1.75 | 6 |
| Hawaii | 1.75 | 6 |
| Idaho | 1.75 | 6 |
| Illinois | 1.75 | 6 |
| Indiana | 1.75 | 6 |
| Iowa | 1.75 | 6 |
| Kansas | 1.75 | 6 |
| Kentucky | 1.75 | 6 |
| Louisiana | 1.75 | 6 |
| Maine | 1.75 | 6 |
| Maryland | 1.90 | 6 |
| Massachusetts | 1.75 | 6 |
| Michigan | 1.75 | 6 |
| Minnesota | 1.75 | 6 |
| Mississippi | 1.75 | 6 |
| Missouri | 1.75 | 6 |
| Montana | 1.75 | 6 |
| Nebraska | 1.75 | 6 |
| Nevada | 1.75 | 6 |
| New Hampshire | 1.75 | 6 |
| New Jersey | 1.75 | 6 |
| New Mexico | 1.75 | 6 |
| New York | 1.75 | 6 |
| North Carolina | 1.75 | 6 |
| North Dakota | 1.75 | 6 |
| Ohio | 1.75 | 6 |
| Oklahoma | 1.75 | 6 |
| Oregon | 1.75 | 6 |
| Pennsylvania | 1.75 | 6 |
| Rhode Island | 1.75 | 6 |
| South Carolina | 1.75 | 6 |
| South Dakota | 1.75 | 6 |
| Tennessee | 1.75 | 6 |
| Texas | 1.75 | 6 |
| Utah | 1.75 | 6 |
| Vermont | 1.75 | 6 |
| Virginia | 1.75 | 6 |
| Washington | 1.75 | 6 |
| West Virginia | 1.75 | 6 |
| Wisconsin | 1.75 | 6 |
| Wyoming | 1.75 | 6 |
Healthy Paws Pet Insurance Comparison
See how Healthy Paws compares to national competitors below.
Healthy Paws vs. Embrace | • Dogs: 1.75 vs. 2.75 • Cats: 1.75 vs. 1.95 | Embrace costs less and covers more. Customer service ties between both companies. |
• Dogs: 1.75 vs. 3.75 • Cats: 1.75 vs. 3.85 | Figo wins on affordability and coverage. Healthy Paws edges ahead on service. | |
Healthy Paws vs. Pets Best | • Dogs: 1.75 vs. 4.25 • Cats: 1.75 vs. 3.85 | Pets Best dominates affordability, coverage and customer service, beating Healthy Paws across the board. |
Healthy Paws vs. Prudent Pet | • Dogs: 1.75 vs. 3.30 • Cats: 1.75 vs. 3.25 | Prudent Pet scores higher in customer service and coverage. Healthy Paws trails in most categories. |
Healthy Paws vs. Spot | • Dogs: 1.75 vs. 3.90 • Cats: 1.75 vs. 4.15 | Spot runs cheaper with better coverage. Healthy Paws falls short overall. |
How Much Does Healthy Paws Pet Insurance Cost?
Healthy Paws pet insurance costs average $139 monthly ($1,664 yearly) for dogs and $48 monthly ($575 yearly) for cats. Your premium shifts based on location and pet breed.
| Cat | $48 | $35 | $575 | $423 | 36% |
| Dog | $139 | $86 | $1,664 | $1,034 | 61% |
Healthy Paws Pet Insurance Rates by State
Pet insurance costs vary by state due to veterinary expenses and local claim patterns. Healthy Paws offers the cheapest pet insurance for cats in Arkansas at $30 monthly, while Colorado and Massachusetts share the highest rate at $61. For dogs, Arkansas provides the lowest premium at $86, compared to Washington at $221 monthly.
Data filtered by:
Dog
| Alabama | $95 | $1,138 |
| Alaska | $139 | $1,667 |
| Arizona | $166 | $1,996 |
| Arkansas | $86 | $1,035 |
| California | $163 | $1,958 |
| Colorado | $174 | $2,085 |
| Connecticut | $145 | $1,744 |
| Delaware | $126 | $1,508 |
| Florida | $155 | $1,856 |
| Georgia | $126 | $1,506 |
| Hawaii | $138 | $1,654 |
| Idaho | $151 | $1,814 |
| Illinois | $156 | $1,868 |
| Indiana | $127 | $1,528 |
| Iowa | $129 | $1,546 |
| Kansas | $129 | $1,542 |
| Kentucky | $132 | $1,578 |
| Louisiana | $111 | $1,327 |
| Maine | $144 | $1,727 |
| Maryland | $126 | $1,516 |
| Massachusetts | $168 | $2,022 |
| Michigan | $140 | $1,684 |
| Minnesota | $144 | $1,730 |
| Mississippi | $116 | $1,396 |
| Missouri | $116 | $1,386 |
| Montana | $117 | $1,401 |
| Nebraska | $135 | $1,625 |
| Nevada | $130 | $1,558 |
| New Hampshire | $152 | $1,827 |
| New Jersey | $138 | $1,662 |
| New Mexico | $139 | $1,665 |
| New York | $152 | $1,827 |
| North Carolina | $114 | $1,366 |
| North Dakota | $107 | $1,281 |
| Ohio | $114 | $1,374 |
| Oklahoma | $116 | $1,395 |
| Oregon | $163 | $1,954 |
| Pennsylvania | $144 | $1,727 |
| Rhode Island | $117 | $1,404 |
| South Carolina | $118 | $1,417 |
| South Dakota | $127 | $1,519 |
| Tennessee | $134 | $1,607 |
| Texas | $145 | $1,739 |
| Utah | $138 | $1,660 |
| Vermont | $134 | $1,607 |
| Virginia | $152 | $1,825 |
| Washington | $221 | $2,645 |
| West Virginia | $129 | $1,546 |
| Wisconsin | $152 | $1,826 |
| Wyoming | $126 | $1,517 |
Is Healthy Paws Pet Insurance Expensive?
Healthy Paws's affordability varies based on your needs and pet details. Use the filterable table below to see how costs change with your pet's age and your chosen deductible, annual limit and reimbursement rate to determine if it fits your budget.
Data filtered by:
Cat
Middle Aged
$1,000
Unlimited
50%
| $29 | $353 | 0% |
Healthy Paws Pet Insurance Discounts
Healthy Paws doesn't offer pet insurance discounts. The company markets one simple plan and emphasizes coverage and fast claims processing rather than a list of discount opportunities. For the most accurate information, request a quote or contact Healthy Paws customer care.
Healthy Paws Pet Insurance Customer Service Reviews and Ratings
Healthy Paws ranks fourth nationally for customer service with both cats and dogs. The company holds a high Better Business Bureau rating and gets average Trustpilot scores. Reddit reviews are mixed; some praise helpful representatives and quick responses, while others cite slow claim approvals and delayed responses.
Healthy Paws Trustpilot Reviews
Healthy Paws earns a 3.9 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with Healthy Paws' coverage and support team. Trustpilot collects verified reviews to give consumers honest feedback about companies.
Healthy Paws Better Business Bureau Rating
Healthy Paws holds an A+ rating from the Better Business Bureau and maintains BBB Accredited Business status. The A+ grade is BBB's top rating, showing Healthy Paws meets its standards for trust and resolves customer complaints well. BBB accreditation requires companies to address customer issues and follow ethical business practices.
Healthy Paws Pet Insurance Reddit Sentiment
MoneyGeek analyzed 40 Reddit comments showing mostly negative sentiment toward Healthy Paws. Just 20% were positive (eight favorable versus 32 negative). Positive reviews praised responsive customer service and clear policy terms. Negative comments blasted claim denials and coverage gaps, revealing inconsistent claims process experiences.
Healthy Paws Pet Insurance Coverage
Healthy Paws offers comprehensive accident and illness policy that reimburses actual veterinary bills. Its pet insurance coverage has no per-incident, annual or lifetime payout caps and pays up to 90% of covered veterinary expenses after applying your deductible and reimbursement level.
$250, $500, $1,000 | |
Unlimited | |
70%, 80%, 90% | |
Plan types | Single comprehensive accident and illness plan; no separate accident-only plan |
Coverage highlights | Emergency care, diagnostics, surgery, hospitalization, prescription medications, specialty care, alternative therapies when medically necessary |
Pre-existing conditions | Conditions with signs or symptoms before enrollment or during waiting periods aren't covered |
Bilateral conditions | Cruciate ligament injuries aren't covered on either side if one side showed signs before enrollment or during waiting periods |
15 days for illnesses and accidents, 12 months for hip dysplasia | |
Enrollment restrictions | Pets may be enrolled up to age 14 in many states; hip dysplasia coverage only available for pets enrolled before age 6 and subject to the 12-month waiting period |
Direct Vet Payment | Offers to pay veterinarians directly for covered claims, as long as the request was made in advance of the treatment and during business hours |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
Healthy Paws Pet Insurance Coverage Add-Ons
Healthy Paws sells one core accident and illness plan and does not offer an optional wellness add-on for routine care. The company positions its product as a comprehensive plan without the “many optional riders” other providers sell.
Is Healthy Paws Pet Insurance Good: Bottom Line
Healthy Paws charges a monthly average of $139 for dogs and $48 for cats. The company ranks fourth nationally for customer experience and earns average Trustpilot scores and a high BBB rating. The company provides comprehensive accident and illness coverage, plus optional wellness coverage for routine care.
Browse through our review guides for the top pet insurance companies for your pet:
Healthy Paws Pet Insurance Review: FAQ
We’ve addressed some frequently asked questions about Healthy Paws pet insurance below:
Is Healthy Paws pet insurance worth it in 2025?
While Healthy Paws pet insurance is worth it in 2025, it doesn't lead the pack. Customer experience ranks fourth nationally, meaning you'll get solid service when emergencies hit. Premiums run steep at $139 monthly for dogs and $48 for cats, pricing out budget-conscious pet owners.
What do Reddit users really think about Healthy Paws pet insurance?
Reddit users aren't fans of Healthy Paws pet insurance. Just 20% of comments were positive (eight favorable versus 32 negative). Users credit the company's customer service but hammer claim denials and slow approval that leave pet owners hanging during emergencies.
Does Healthy Paws cover pre-existing conditions for pets?
Healthy Paws excludes pre-existing conditions from coverage. The company makes an exception for curable conditions that remain symptom-free and treatment-free for 180 days. Chronic conditions and ligament or knee problems are permanently excluded, even if they appear resolved.
Can I get a discount for insuring multiple pets with Healthy Paws?
Healthy Paws provides a multiple pet discount for customers who insure more than one pet on their policy. The company also offers additional savings through partnerships with organizations like AAA and workplace benefit programs.
Is Healthy Paws pet insurance available in my state?
Yes, Healthy Paws pet insurance is available nationwide in all 50 states. Monthly premiums vary by location. Cat coverage ranges from $30 in Arkansas to $61 in Colorado. Dog insurance costs between $86 in Arkansas and $221 in Washington, making Arkansas the most affordable state for both pets.
How We Rated Healthy Paws Pet Insurance
Pet insurance shopping feels overwhelming with so many options available. We analyzed how Healthy Paws performs across the following key areas:
Affordability (50% of score): We gathered premium data from various pet breeds, age groups and coverage options, incorporating available discounts to reflect the actual costs pet owners pay.
Customer Experience (30% of score): We gathered customer feedback and ratings from platforms like Trustpilot and Reddit to gauge real user experiences.
Coverage Options (20% of score): We evaluated all policy features, optional add-ons and coverage scope to assess whether the company provides comprehensive financial protection and valuable policy benefits for pet owners.
All pricing data uses standardized quotes for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll with a $500 deductible, unlimited annual limit and 70% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Better Business Bureau. "Healthy Paws." Accessed December 1, 2025.
- Trustpilot. "Healthy Paws Pet Insurance." Accessed December 1, 2025.