Healthy Paws Pet Insurance Review – Everything You Need to Know!

Here’s the Thing – Everybody Hates Their Pet Health Insurance


I know many people who have health insurance for their pets and honestly, I don’t know anybody that’s happy with it. Either it’s too expensive, or it won’t cover this, or it won’t cover that. Whatever it is, they don’t like it. Oh make no mistake, they still realize it’s better to have pet insurance than not to have it. But they’re just not satisfied with their current provider.

Whenever I hear this, I tell them that my wife and I love our pet health insurance. And then those people look at me like I’ve got antlers growing out my head (though then again…I seem to get that reaction a lot…perhaps it’s just me?). I tell them no, really, we’ve got great pet health insurance and we couldn’t be happier with it! I explain that there’s this fantastic company we’ve discovered and that they take excellent care of our furry family. That company is called Healthy Paws Pet Insurance.

What Sets Healthy Paws Apart

Actually, there are many things that set Healthy Paws apart. Their customer service is excellent, and the people I’ve dealt are always, ALWAYS, friendly. And compassionate. And empathetic. The importance of those qualities cannot be overstated. They respond very quickly and professionally to claims and questions.

And if you need to speak with somebody on the phone, you typically get through to them right away. And…get this…the person on the phone can actually help you and answer your questions. What a concept right?! There’s no transferring to this department or that department or any of that nonsense. Woo-hoo!

But one of the things that first drew me to them was the simplicity of their policies. What they do is they cover medical expenses as a result of an illness, injury, genetic condition or emergency care. As long as it’s not a pre-existing condition, your pet is covered. It’s that simple. Also, there are unlimited lifetime benefits, and they don’t have things like a per incident limit, or an annual limit, or any of that sort of shady stuff. They offer lifetime coverage as long as your dog or cat is enrolled before the age of 14.

Pretty cool, right?

So here’s the downside. That means they don’t cover routine medical expenses. So for example, if you take your dog in for her yearly checkup, or rabies shots, or things like that, those things aren’t covered. They feel like those expenses are just part of being a responsible pet parent, and I agree. But some people don’t like that. They like to feel that every time they take their pet to the vet, they’ll get some part of that visit covered. Even if it’s pennies on the dollar. Okay…I guess…

But here’s the thing. Since they don’t cover the routine stuff you’re going to have to pay for anyway, that means Healthy Paws can keep their premiums very, very affordable. That way, you can have pet health insurance coverage for when you REALLY need it.

And let me tell you, that’s a life saver for your peace of mind as well as your pocketbook!
Healthy Paws Pet Insurance and Foundation.

How Their Policies Work

For me, their policies are really easy to understand, which is super important since I’m not very bright.

You choose an annual deductible amount (either $100, $250, or $500) and a reimbursement percentage (70%, 80%, or 90%). Then, based on the type of pet you have and their age, they calculate your monthly premium. That’s it. You can mix and match the deductible and reimbursement levels to come up with the level of coverage and monthly cost that is right for you.

So obviously, if you want the lowest possible monthly premium, you may want to go with a

I'm Worth $46/month Aren't I?

Sacha says, “I’m Worth $46/month Aren’t I?!”

$500 deductible and 70% reimbursement level. This will lower your monthly premium, but you’ll also be responsible for more out of pocket costs if an injury or illness occurs. So just be aware of that trade-off.

For us, we prefer a very high level of coverage for our Samoyeds, so we’ve always gone with the $250 deductible and the 90% reimbursement level. For Sacha, who is a healthy 5-year old Samoyed, we pay about $46/month. That’s it! $46/month!

$46 bucks! Very affordable wouldn’t you agree?! It appears Sacha sure thinks so!

Submitting a Claim

With Healthy Paws, you are responsible for paying the medical fees to your provider at the time the service is provided. Then you file a claim to get reimbursed at the reimbursement level you’ve chosen (remember 70%, 80%, or 90%) after your annual deductible has been met.

Let’s take a look at an example. Say you chose coverage with an 80% reimbursement level, and a $100 deductible. And let’s further add that you met your deductible earlier in the year. Got it? Okay, well one day you’re walking your dog having a good old time. Then, all of a sudden, your dog steps on a nail and injures his paw, the poor little guy 🙁

Being a responsible pet parent, you take him to the vet. The vet treats your puppy and your bill is $200 to treat this injured paw. You pay your doctor $200 at the time of the visit, file a claim with Healthy Paws, and a few days later you’ll receive a check in the mail for $160. Boom! That’s it! Easy, right?

Either you or your medical care provider can submit a claim either online, via fax, snail mail, or email. Healthy Paws reviews the claim and it’ll be approved or denied (if denied you’ll be told why), and they send a check out in the mail. Usually within a few days but it can take up to 10. But typically they’re very quick.

What I normally do is pay all of the veterinary expenses on a credit card and then I file the claim online when I get home. The reimbursement check usually arrives within a week, well in advance of when I have to pay the credit card bill (we pay our credit bills in full each month, which I also recommend, but this isn’t a blog for that). 😉

Our Samoyed Ramius and Healthy Paws

If you’re a regular reader of this blog, you’ve probably read a lot about our beloved Ramius who passed away in January of cancer. Ramius was my best friend and the sweetest dog in the world and we miss him terribly.

We enrolled Ramius in Healthy Paws Pet Insurance when he was a healthy 6-year old adult. And wow, are we ever thankful we did! Within just a couple years of enrollment, Ramius developed diabetes. I wrote about signs of diabetes in dogs in a previous blog which you can check out. Obviously, he had many expenses related to his diabetic care and they were all covered with Healthy Paws.

Just the expense of his insulin alone more than justified our Healthy Paws monthly premiums. His premiums cost us about $70/month at the end of his life (again, we go with a $250 deductible at a 90% reimbursement level). In his final months, his insulin alone cost about $130/bottle, and that would last us about a month or so. Well right there, do the math! After his deductible was met, we’d be out of pocket $70/month for his premium plus $13 (10% of $130) for each bottle of insulin.

$130 for a bottle of insulin without insurance vs. $83 with insurance. You see what I mean? It’s a no-brainer.

Sadly, Ramius’s health problems were far more serious than just diabetes. He developed a particularly virulent and brutal form of cancer. In the last couple years of his life this resulted in multiple surgeries. Surgery was followed by 20 radiation treatments and 4 chemotherapy sessions. These procedures took a great toll on him physically, so he also had to undergo physical therapy and rehabilitation about twice per week for many months.

In those precious last few months of his life, he was essentially too immobile to leave the house, so we found a veterinarian who makes house calls to care for Ramius in his final days. I’d like to give a special shout out to Dr. Nathaniel Cook who helped us in those last months. If you live in Chicago and need a mobile veterinary service, please visit his website.  I don’t know if we could’ve made it through those final days without Dr. Cook and for that, we’ll be forever grateful he came into our lives. Tell him you read about Ramius, he’ll know who you’re talking about.

Ramius. Our beloved boy. Miss you!

Ramius. Our beloved boy. Miss you!

I’ve never actually added up all Ramius’s medical expenses (I’ve been too scared), but we’re literally talking about tens of thousands of dollars. If I had to guess, probably $40K or $50K all together. Imagine having to pay for all of THAT without pet health insurance!

And here’s the thing, ALL OF THIS was covered by Healthy Paws Pet Insurance. I’ll say that again, ALL OF THIS was covered. For a monthly premium of around $70. You really can’t beat that.

Enrollment Process

Like everything else with Healthy Paws, the enrollment process is very easy. About 95% of all of their customers self enroll online. Just CLICK HERE and you’ll be taken to their site to start the enrollment process. You can get a quote in all of about 10 seconds. If you decide to complete the form it only takes a couple of minutes. If you click any of the links on this post that take you to the Healthy Paws site you’ll save 10% should you choose to buy a policy. And there is a 30 day money back guarantee and you can cancel your policy at any time.

What have you got to lose??

If you have a pet that’s not insured, then what are you waiting for? Seriously?!

What. Are. You. Waiting. For. Just CLICK HERE to learn more and Save 10%!

And if you have any comments or questions, please leave them for me in the comments section and I’ll get back to you. Thanks for reading!

Healthy Paws Pet Insurance covers everything that matters including injuries, illnesses, genetic conditions, and emergency care. With unlimited lifetime benefits, protect your pet with the #1 customer-rated pet insurance plan! Get a free quote and let Healthy Paws pay your vet bills while you care for your pet.

44 thoughts on “Healthy Paws Pet Insurance Review – Everything You Need to Know!

  1. Coll

    I love this site very informative, being a dog owner of rescued Romanian dogs I know how important insurance is.

    I noticed a link for help a homeless pet I will be clicking that and having a good look as I am always taking on strays

    Keep up the good work


  2. Matt's Mom

    I looked into Healthy Paws when I was trying to decide on pet insurance for my two dogs. I ended up going with Banfield, simply because they are in most Petcos and so far it’s been great service and with a reasonable price. But things change and when the one year insurance is up, which is fairly soon, I will revisit and take a look at your recommendation.

  3. Online with Nerissa S.

    Hi Mike,

    Pet insurance can be a pain in the you know what– That’s why I am a huge advocate of keeping your pets healthy through diet and exercise, which are preventative measures. For my cats I try to provide them with a diet that is grain-free, though it can get costly. But this seems to help with major digestive problems.

    I have three cats– Felicity, Lloyd and Hero. All of them have varying needs and diets.

    And even though I’m on the side of the folks who don’t care for pet insurance, judging from your post, I just may look into Healthy Paws since my vet bills do cost upwards of $100 bucks when just one of them have a problem or ailment.


    -Nerissa S.

    1. Mike

      Thanks Nerissa and I think it’s great you pay so much attention to your pets’ diet and exercise! Great things to focus on for sure! That said, genetics are a powerful factor and having a good diet doesn’t guarantee your pet won’t develop a major illness. And of course, no matter what you feed your pets, they’re always susceptible to a major injury just like the rest of us. I hope you give Healthy Paws a shot!

  4. Chris

    I was just wondering the other day about this topic.

    My son wants to get a dog. My parents and friends were trying to steer me away from getting one because the visits to the vet for an emergency can be very expensive.

    I will have to check out Healthy Paws!

    1. Mike Post author

      Hey Chris. I do understand that advice, it comes from a good place. Dogs are a big responsibility and will change your lifestyle and can cause a strain on the pocketbook. Best to have your eyes open before diving in. But for sure, having good pet health insurance for your pet is one of the best things you can do for both of them.

  5. Maureen

    Hi Mike I can related to your article on Pet Insurance. We had insurance on our doberman and boy did it come in handy. It was a different provider than what you have and it was a few years ago. Our male dobie ended up with lymnphoma cancer and underwent 26 weeks of chemo. They gave him 2 years. He was 3 when he had the cancer and he died when he was almost 13 so he definitely beat the odds. Would we have treated him without the insurance? Of course but we would have had to mortgage the farm.

    Your insurance carrier sounds much better than what we were using so I will definitely be checking it out.

    1. Mike Post author

      Thanks for sharing your story Maureen. You’re right, we’ll do anything we have to for our pups. But it’s nice not to have to mortgage the farm as you say.

  6. Mike

    I agree that it’s worthy to have an insurance, they are our friends and family after all so they deserve it too(And your story is proof that it saves you money!).

    Healthy Paws may be a great option indeed, looks high quality for the affordable price so I will take a look a little more into it. I have a boxer that is getting older so it’s best to be prepared.

    Overall very nice reading, wish you and your puppies the best of lucks in the future!

  7. Calvin

    I believe this is the first time I have actually hear someone talk positive about health insurance for pets. I do agree that many are disappointed with what is covered under the “umbrella.” I am one of those that think routine services should be included or at least at a discount rate if you have the insurance. Have you a had a bad experience with the insurance companies prior to selecting this one?

    1. Mike Post author

      Hey Calvin. Healthy Paws is the only plan we’ve ever had. And I understand the desire to have at least something covered on routine vet visits, and most pet health insurance plans to do that. But as you say, even though most plans do just that, you’ve never before heard anyone speak positively about their insurance. That’s telling. I’d much rather have reasonable premiums that cover, and I mean REALLY cover, the non routine medical expenses that just about any pet is bound to have.

  8. Martina

    Firstly – you have such an adorable dog OMG I can’t even handle it! My boyfriend and I have actually been looking into getting a Samoyed recently. We already have a Portuguse Water Dog and think that they would make quite the pair. We don’t currently have any pet insurance for our dog because like you’ve said – it’s either too expensive or it just doesn’t cover reasonable stuff! So what’s even the point of having it? The only way it could ever be even slightly worthwhile is if there is extreme extreme measures that need to be taken and Luna is 2 so the chances of that are so slim. This insurance you’ve mentioned here seems way better! I will 100% keep this in mind and talk to my boyfriend about it to see what he thinks – thanks!

    1. Mike Post author

      Thanks Martina! Healthy Paws is a really great investment for your dog’s health and your peace of mind. Good luck on your search for a possible Samoyed! Be sure to check around the site and if you have any questions, let me know!

  9. Blame

    It is very expensive to take care of a dog. There are expenses every single month. You mentioned $70/month for premium and it is the one with the lowest deductible. Doesn’t sound expensive at all. That only comes out to be roughly $2 per day. Even starbucks is more expensive than that.

    If we skip snacking everyday, premiums would be a piece of cake. I already asked you on another article of yours, but I want to ask again. Is this tax deductible? I mean it doesn’t have to be, but it would be nice if it was.

    1. Mike Post author

      Yes, and that $70 was for Ramius and he was 12 years old. Sacha’s premium is only $46/month and he’s 5. Although it’s not tax deductible it is an excellent investment in your pet’s health and your pocketbook.

  10. gilbert

    I love your website….. I’am actually a dog lover. Its just good to see people doing website specially for pets. To tell you honestly this is the very first time a heard the samoyed breed. Never know about any dog like that before. Based on the photo that i saw in your page i would love to get one. How much does that breed cost? and can that dog live in a tropical country and sometimes hot weathers? or are they just purely must be in cold weathers?
    Anyway, you have a lovable page… Good luck!

  11. JeffWA

    That was a very insightful article that you issued on your website having to do with the healthy paws pet insurance company.

    What added to the overall excellence of your article was the fact that you and your wife actually purchased insurance policies yourselves from the same company that you reviewed. Thus from first-hand experience you knew the value of having such insurance on your pets, especially the one dog, Ramius who ended up having major health problems as explained in your narrative. That dog looked so cute, btw in the 2 photos that you added to the article.

    I know that my sister and her partner can relate to what you had to say regarding the simple expenses sometimes associated with having pets. Throughout the years that they have been together they have owned at least 5 dogs that I know of.

    It is sad to see a dog get ill. I know that a Norwegian Elkhound named T.J. who I, myself have a lot of fond memories of in taking care of him and several of their other dogs, (of the same breed) in recent years eventually had his own issues as he aged. He was to have problems walking as his hind legs deteriorated and also encountered kidney problems. Out of sympathy as at the age of 12 he started to really suffer my sister and her partner did the humane thing and had him put down by a vet.

    I have no idea if they have pet insurance on their other other two dogs (one 10 years old the other age 3). I know that my sister has often told me that simply having pets can be quite expensive – food, checkups, getting them cleaned and bathed periodically, any medications that they would have to take, etc. When they go away on little vacations, (such as one just two weeks ago) in order to save $$ in having them boarded they often ask me to come over to their house and “pet sit” for at least one of the dogs.

    Still your great article proves that it would be wise for any pet owner to consider taking out special insurance for his/her pet.

    1. Mike Post author

      Thank you Jeff. And thank you for such a thoughtful and nice reply. Yeah, we are so glad we had Healthy Paws especially when Ramius got sick. You just want to be able to take care of all of their medical needs without worrying about the financial impact. Which having Healthy Paws allowed us to do.

  12. Reyhana

    I have a cat and I have never thought of taking out health insurance for him. Like so many people I guess, I just thought that it wasn’t important and nothing would happen to my cat but that’s up to me to decide right? I mean anything can happen, which is why as humans ourselves, we take out insurance of various sorts. This has really led me to consider getting health insurance for my cat. Wealth of info. Thanks for sharing.

    1. Mike Post author

      Thanks Reyhana. Yes, it’s definitely something most people don’t think of. And like all insurance you don’t need until you need it, and when you do, you’re VERY glad you have it.

  13. Jessi

    Very helpful information! I am looking into getting a dog of my own and I definitely want to make sure that her health is covered.

    On the other hand, I don’t want to spend a fortune on it either, which makes this program sound very appealing to me! Thanks for sharing this info!

    May you beloved Ramius rest in peace. ❤️

  14. Carol

    Very informative article. I like the way you gave examples of what is and is not covered. Great tip too on using the credit card and then the reimbursement to pay back the credit card. Unfortunately I have a Schnauzer that has had bouts of pancreatitis, which can be very expensive, and so I’m sure this would be a preexisting condition. I wish I had known about this before he got sick. Now I just try to be very careful with his diet to avoid another bout. So sorry about your loss too, I know how much that hurts.

    1. Mike Post author

      Thanks Carol. Might want to go online and check in with Healthy Paws just in case. You never know. Thanks for your thoughts about Ramius.

  15. Michelle

    That was great information on on animal insurance. You will definitely help a lot of pet lovers. You done a great job on your site with the pictures and keeping your site clean and not cluttered. We have a dog, but the insurance won’t help us. Unfortunately, I noticed you said as long as the illness is not ongoing. Our girl is in her mid teens and has cateracts in both eyes and arthritis. Wish you lots of success.

  16. Farhan

    Wow, I didn’t know there was a lot to think about when it comes to owning pets. Most of the people that I know, who own pets, don’t ever mention pet insurance.

    When you think about it, it does make sense to have an insurance package that covers the major medical predicaments. And to have more flexibility in pricing is always great! Thanks for the review!

  17. Kim

    Hey Mike,

    I am so sorry to hear about Ramius. My husband and I got our first dog as soon as we got married and a few short years later he died from cancer. Our second dog we adopted and found out he had congenital heart defect and only made it just past 2 years old.

    We currently have 3 healthy dogs (finally) and are considering pet insurance but having a hard time finding something we like. This is one of the few that looks pretty affordable it is defiantly one we will consider.

  18. Owain

    There are plenty of pet insurance companies out there so it has taken me a while to figure out which one to go with. I see that you have to foot the bill first before you can claim. How long does the claim take before you get reimbursed? At the end of the day your pet’s health is more important than money but I was interested to know this answer.

    1. Mike Post author

      Hi Owain. Healthy Paws typically pays very quickly, it’s usually within days. It can take a bit longer on occasion, but my experience with them has been that they’re fast.

  19. Loretta

    Your article convinced me… Healthy Paws Pet Insurance will be getting my business. My Maine Coon is currently covered by another company that I encountered issues with. However, I do not want to have her without coverage so I have been scouting. Super great that I came across your very informative review.

    Pet insurance is essential for our four-legged family members and full-coverage under Health Paws for my 7-year-old Maine Coon is less than $30 a month! She is definitely worth that.

    Thank you for a terrific review. I’m sold.

    1. Mike Post author

      Good! Thanks for your comment Loretta! And please come back and share your experience with Healthy Paws after you sign up.

  20. Loretta

    Checked with my vet and Healthy Paws is on their list of recommended pet insurance companies. Came back to your site and paid my first premium. There is a short wait time for coverage to go into effect following my Sweet Pea’s wellness exam but that is just fine as she has no pre-existing conditions. I feel secure already. Thank you for your review. I think I made a sound choice.

    1. Mike Post author

      Great to hear Loretta! And you definitely made a sound choice. I think you’ll be very satisfied with your experience with Healthy Paws. Please come back and let us know about your experience. Though of course hopefully, you won’t have to use them.

  21. Helen

    Mike, I agree that all pet owners should have pet insurance but I can sure understand how many people are dissatisfied with it. What we have found is that companies manipulate the conditions to suit themselves. So far this appears to be the norm here in Australia.

    Let’s see, you mention genetic condition. Well that certainly could be interpreted as pre-existing as an animal is born with it! And companies might take it this way and then refuse to cover it. As for pre-existing, for any animal that someone gets companies often state the condition is pre-existing and how can you prove otherwise. This is especially true for rescue animals. As for the up to 14 years acceptance, companies can really get their teeth into the pre-existing conditions.

    I have friends who got pet insurance and for every ailment they have gone to vets for, it has been ruled pre-existing! And there is nothing they can do to overturn this ruling.

    It would be great to find an insurer who didn’t do a carte blanche assumption of pre-existing. Until then I guess we will save the insurance money to cover the vet bills.

    The Healthy Paws Pet Insurance you are reviewing at least sounds like a more reasonable one than the companies we or our friends have come into contact with. I checked out your link to their website but can’t find out what countries they cover.


    1. Mike Post author

      Hi Helen,

      Thank you for the comment and for sharing your views! Sounds like you’ve had some less than pleasant dealings with pet insurance companies in the past which I’m sorry to hear.

      That type of nonsense does not go on with Healthy Paws Pet Insurance. They are very upfront and ethical which is one of the reasons I recommend them so highly! Again, our beloved Ramius had a horrible type of cancer and we couldn’t have given him the care he needed without Healthy Paws. It would have cost us literally tens and tens of thousands of dollars out of our pocket to care for him without that coverage.

      Unfortunately, they only offer coverage in the United States so you can’t get it in Australia. But I encourage everybody in the United States with a fur baby to check them out! A great place to start is by reading my review of Healthy Paws Pet Insurance. Which if you’re reading this comment, that probably means you already have! 🙂

      Quotes are free and if you sign up through a link from this site you should get a 10% discount on your policy if you choose to buy one. Just make sure you confirm that discount with Healthy Paws Pet Insurance first to be safe.

      Good luck!

  22. Jeremy Hood

    This sounds like some affordable, yet quality pet health insurance.

    I had never heard of pet health insurance until a couple years ago. I wish we had purchased it for our Yorkie Poo.

    She was stepped on and the trauma unfortunately cause her spine to fuse together which ultimately led to her death.

    Had we purchased pet insurance we may have been able to afford the surgery. Thanks for this great info!

    1. Mike Post author

      Thanks Jeremy. Yes, Healthy Paws is terrific and I continue to urge all pet owners to consider it for their fur baby.


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