Healthy Paws keeps pet insurance simple: a single plan with unlimited annual coverage and a strong reputation for fast payouts. In this 2026 review we cover what Healthy Paws does — and doesn't — cover, its pricing and waiting periods, the pros and cons, and who it's genuinely best for.
Healthy Paws at a glance
| ComparePetCover rating | 3.7 / 5 |
| Annual limits | Unlimited (every policy) |
| Deductibles | $100 – $1,000 (annual) |
| Reimbursement | 70% · 80% · 90% |
| Exam fees / dental illness | Not covered |
| Waiting period | 15 days accidents & illnesses · 12 months hip dysplasia |
| Best for | Simple unlimited coverage for younger pets |
What Healthy Paws covers
Healthy Paws sells a single plan with one big selling point — unlimited annual payouts — and a couple of notable gaps:
- Unlimited annual coverage on every policy (no annual or per-condition cap).
- Covers accidents, illnesses, cancer, emergencies, genetic conditions and alternative care.
- Does NOT cover vet exam fees or dental illness.
- No preventive/wellness add-on is offered.
The unlimited limit is genuinely valuable for a major, long illness — but the missing exam-fee and dental-illness coverage are real trade-offs versus more inclusive insurers.
Plans, limits & pricing
Healthy Paws pricing is mid-range for younger pets but climbs steeply for seniors. Representative 2026 ranges (80% reimbursement, $250 deductible):
| Pet | Typical Healthy Paws premium (/mo) |
|---|---|
| Dogs | $25 – $90 (avg ~$55–$65) |
| Cats | $15 – $40 (avg ~$30) |
Choosing a higher deductible (e.g. $500 vs $100) can cut the monthly premium by 15–25%. Note that pets enrolled after age 6 get limited deductible and reimbursement options.
Pros
- Unlimited annual payouts on every plan
- Actual-cost reimbursement, clean mobile claim experience
- Good reputation for fast reimbursement and helpful service
- Simple — one plan, no confusing tiers
Cons
- No vet exam-fee coverage
- No dental illness coverage
- No wellness/preventive option
- 12-month hip dysplasia waiting period; pets enrolled over age 6 are ineligible for hip dysplasia and get limited options
- Premiums expensive for senior dogs
Waiting periods & exclusions
Coverage begins 15 days after your policy start for both accidents and illnesses, with a 12-month waiting period for hip dysplasia. Pre-existing conditions are excluded, and pets enrolled after age 6 lose hip-dysplasia eligibility — another reason to enroll young.
How claims & reimbursement work
You file claims through the Healthy Paws app by photographing your invoice. The company is well-reviewed for paying quickly, reimbursing your covered percentage of the actual bill after your deductible, at any licensed vet. It's a pay-first reimbursement model.
Who Healthy Paws is best for
Healthy Paws fits owners of younger pets who want simple, unlimited coverage and fast payouts, and who don't mind that exam fees and dental illness aren't covered. For senior pets or if you want exam-fee/dental coverage, a more inclusive insurer is a better fit.
How Healthy Paws compares
Premiums and coverage vary by pet, breed, age and your state. See how Healthy Paws stacks up in our full provider comparison, or check average pet insurance costs in your state.
Frequently Asked Questions
Does Healthy Paws have unlimited coverage?
Yes — every Healthy Paws policy comes with unlimited annual payouts, with no per-year or per-condition cap.
Does Healthy Paws cover exam fees or dental?
No — vet exam fees and dental illness are not covered, which are its most notable gaps versus more inclusive insurers.
Is there an age limit with Healthy Paws?
There's no hard cut-off, but pets enrolled after age 6 get limited deductible and reimbursement options and are ineligible for hip-dysplasia coverage.
What is Healthy Paws' waiting period?
15 days for accidents and illnesses, and 12 months for hip dysplasia.
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