Healthy Paws Pet Insurance Review (2026)
Healthy Paws is a long-running accident-and-illness insurer known for its simple, single plan with unlimited annual and lifetime payout limits and no per-incident caps.
What Healthy Paws covers
Healthy Paws covers accidents, illnesses, surgeries, diagnostics, and hereditary/congenital conditions, with no caps on annual, lifetime, or per-incident payouts. It does not offer wellness/routine-care add-ons — it's focused purely on accident and illness.
Pros
- Unlimited annual, lifetime and per-incident payouts
- One simple plan — easy to understand
- Covers hereditary and congenital conditions
- Fast mobile claims
Cons
- No wellness/routine-care add-on
- Upper age limits for new enrollment of older pets
- Pre-existing conditions excluded
Who Healthy Paws is best for
Owners who want maximum payout protection with no caps and a simple, no-frills plan.
How Healthy Paws compares
Premiums and coverage vary by pet, breed, age and your state — see how Healthy Paws stacks up against other insurers in our full comparison, or check average costs in your state.
Does Healthy Paws have payout limits?
No — there are no annual, lifetime, or per-incident caps on its plan.
Does Healthy Paws cover wellness?
No, it focuses on accident-and-illness coverage and doesn't offer a routine-care add-on.