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Healthy Paws has been the #1 pet insurance provider in America three years in a row!

Coverage Overview

Healthy Paws offers one, simple accident and illness policy that is the best in the business. Healthy Paws (aka 'healthypaws') stays on top by providing clear, solid coverage and providing the best customer service in the industry.

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Customer Satisfaction ★★★★★ (4.8)
Total Reviews 7,265 reviews
A.M. Best Rating A++
BBB Rating A+
Deductible $100 - 500
Deductible Type Annual
Reimbursement 70 - 90%
Annual Limit Unlimited
Waiting Period for Accidents 15 days
Waiting Period for Illnesses 15 days
Waiting Period for Orthopedic Coverage 12 mos. for hip dysplasia
Emergency Care Yes
Accidents Yes
Illnesses Yes
Cancer Coverage Yes
Orthopedic Issues Yes
Hereditary Conditions Yes
Chronic Conditions Yes
Prescription Meds Yes
Cancer Coverage Yes
Dental Care Accidents Only
Wellness Coverage
Vet Restrictions None
Exclusions Listed Below


  • Hip dysplasia is excluded for pet that enroll after six years-old
  • Miniumum age for enrollment is eight weeks
  • Maximum age for enrollment is 14 years
  • Healthy Paws does not cover exam fees
  • No pet insurance company covers pre-existing conditions
  • Healthy Paws Sample Policy (Latest version 11/16)

Coverage Highlights

  • No caps on annual, or lifetime payments
  • Comprehensive accident & illness coveage (including hereditary conditions)
  • Paperless claims from any device
  • 99% of claims paid in two days
  • Backed by AON

Enrollment Requirements

Healthy Paws uses your pet's medical records to process claims. This exam date tells us that your pet has been examined by a veterinarian within the timeframe required. Pets younger than six years old require a veterinary exam in the 12 months prior to enrollment. Pets six years or older require a veterinary exam within the past 30 days.


Cost Overview


Healthy Paws is very competitive and arguably the best value in the U.S. pet insurance market. Rates for dogs and cats of all ages are very reasonable, especially considering they provide unlimited benefits. Healthy Paws charges a one-time $25 enrollment fee. Here is a sample of dog insurance costs for Healthy Paws dog insurance plans.

Dog Breeds Avg. Cost
Mixed Breed Dog $38/mo.
Labrador Retriever $42/mo.
Yorkshire Terrier $39/mo.
Golden Retriever $41/mo.
Dachshund $45/mo.
Chihuahua $43/mo.
German Shepherd $44/mo.
Shih Tzu $36/mo.
Boxer $50/mo.
English Bulldog $48/mo.
Average for All Dogs $42/mo.

Note: Avg. cost based on one year-old mixed breed dog with $250 deductible and 90% reimbursement

And if you're more of a cat person here is a sample of cat insurance costs for the top 10 most popular cat breeds in America.

Cat Breeds Avg. Cost
Mixed Breed Cat $22/mo.
Domestic Shorthair $24/mo.
American Shorthair $24/mo.
Siamese $27/mo.
Maine Coon $30/mo.
Persian $31/mo.
Ragdoll $24/mo.
Bengal $26/mo.
Russian Blue $31/mo.
Himalayan $30/mo.
Average for All Cats $28/mo.

Note: Avg. cost based on one year-old mixed breed cat with $250 deductible and 90% reimbursement

Source: Pet Insurance Cost

Pet Insurance Cost

Healthy Paws Customer Reviews

Healthy Paws insurance coverage has the highest customer satisfaction rating of any pet insurance company in America. The company's culture is based on doing the right thing for its customers and pets.

Source Avg.
Google 4.8
Facebook 4.5
BBB 4.6
Yelp 4.0
Trustpilot 4.9
Shopper Approved -
Pet Insurance Review 4.9
Consumers Advocate 4.9
Consumers Affairs -
Provider Reviews -
Total 4.8

Customer satisfaction percentages are based on reviews (as of Updated June 18, 2018) collected from 10 sources. Review scores are updated on a routine basis to ensure that data and information are up-to-date.

Yellow Labrador Retriever Puppy

"We picked up Gus from a breeder earlier this year and knew we wanted to insure him based on experience with past pets. Unfortunately we lost our last dog, Beau, to cancer and the vet bills were enormous. Going through that experience really changes your perspective as a dog owner because you realize how awful it feels when your dog needs life-saving treatment..." Read Gus' Story


Business Overview

Healthy Paws Insurance & Foundation started in 2009 by Rob Jackson and Steve Siadek. Rob and Steve met through a Seattle, Washington based no-kill animal shelter. Steve left a corporate career to pursue his pet passion and become the shelter's executive director. Rob, who was an insurance executive, adopted his dogs from the shelter and kept coming back to foster more.

  • #1 Customer-Rated in 2015, 2016, 2017 & 2018
  • No caps on annual, or lifetime payouts
  • Paperless claims from any device

Rob and Steve saw a need to help pet owners deal with the financial impact of giving their pet's quality veterinary treatment. In addition to providing quality pet insurance coverage, Rob and Steve also wanted to help animal rescue organizations care sick pet's in their care. So from the beginning the company has made a donation to animal shelters each time a new dog or cat enrolls in their pet insurance program.


Business Details

As you know by this point, Healthy Paws offers the best customer service in the biz. But the roots of this business can be traced back to 2009 when Steve Siadek and Rob Jackson, Healthy Paws' co-founders, met through a local, no-kill animal shelter. Since being founded in 2009, Healthy Paws has helped thousands of dogs and cats in the great Seattle area find homes.

Chubb Group (A++)
Seattle, Washington
Rob Jackson
Any licensed U.S. veterinarian
Mon - Fri: 6:00am - 6:00pm PST

Get Involved: Support Seattle's Animal Shelter


Policy Exclusions

  • Pre-Existing Conditions - Illness or the recurrence of any illness or condition which first occurred or displayed any signs and/or symptoms consistent with the stated illness or condition prior to the pet policy effective date; an injury or recurrence of an injury that occurred prior to the pet policy effective date; or any condition or complication resulting from an illness or injury that occurred prior to the pet policy effective date.
  • Veterinary Examination Fees
  • Preventative Care - Spaying and neutering, Preventive healthcare including vaccinations or titer test, flea control, heartworm medication, deworming, nail trim, and grooming, parasite control including but not limited to internal and external parasites for which readily available, prophylactic treatments are available, dental health care, however if injury to teeth is caused by an accident, we do cover the cost of extraction and/or reconstruction of damaged teeth, anal gland expression
  • Bilateral Conditions - Pre-Existing cruciate ligament problems to one leg as respects the cost of future treatment for problems of the other leg
  • Elective procedures - Cosmetic procedures, tail docking, ear cropping, de-clawing, micro-chipping, dew claw removal, ear cleaning
  • For pets 6 years of age or greater on the date of enrollment, no coverage shall apply for illness related to hip dysplasia
  • Conditions arising from a specific activity if the same or a similar activity occurred prior to the pet policy effective date and displayed the propensity for the activity to recur and cause injury or illness to your pet
  • Claims in any way arising from the lack of use and/or implementation of preventive healthcare products and/or methods when such products and/or methods would be in accordance with generally accepted veterinary standards. Routine healthcare includes: vaccinations, flea control, heartworm medication, de-worming, dental care, ear plucking, grooming, and prudent regular care.
  • Breeding or conditions relating to breeding, whelping, and queening

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