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Healthy Paws
Reviewed by Jeffrey Hanschmann, Licensed Insurance Producer
Updated March 31, 2026
Pricing
Plans Offered
All Healthy Paws plans cover accidents, illnesses, and emergencies.
ACCIDENT AND ILLNESSCovers accidents and illnesses with the following coverage options:
Deductible Levels: $100, $250, $500, $750, $1,000, $1,500, $3,000, or $5,000Reimbursement Levels: 50%, 60%, 70%, 80%, or 90%Annual Limit Options: $5,000, $7,000, or Unlimited
What's Covered / Not Covered
COVERED (ACCIDENT & ILLNESS PLANS)
Healthy Paws covers the following treatment for pet injuries and illnesses:
- Accidents
- Alternative Treatments (FDA-Approved)
- Cancer Coverage
- Chronic Conditions
- Congenital Conditions
- Diagnostic Treatment
- Emergency Care
- Hereditary Conditions
- Hospitalization
- Illnesses
- Prescription Medications
- Specialty Care
- Surgery
- X-rays, Blood Tests, Ultrasounds
NOT COVERED
Standard exclusions include:
- Pre-Existing Conditions
- Veterinary Examination
- Preventative Care
Enrollment Requirements
- The waiting period varies by state. See a sample policy for more information.
- Pet must be enrolled before the age of 6 years old for hip dysplasia coverage.
- The minimum enrollment age is 8 weeks, maximum enrollment age is 14 years (this can differ for some states).
- In some states, your pet must have undergone a complete clinical examination within a defined time period prior to or shortly after enrollment.
Waiting Periods
- Accidents: Varies by state; 0–15 days
- Illnesses: 15 days
- Orthopedic: Varies by state; 30 days – 12 months; not available to pets enrolling at ages 6+
How to File a Claim with Healthy Paws
1) Choose a Plan:
Select a policy that fits your pet's needs and your budget.
Use PIPA's free tool to see if Healthy Paws is the best option for you and your pet(s).
2) Pay Upfront:
Visit any licensed veterinarian in the U.S. or Canada and pay the vet directly when your pet needs care.
3) Submit Claim:
Claims can be submitted through one of the following Healthy Paws channels:- Mobile app
- Website
- Fax
4) Get Reimbursed:
Most claims are processed within 2 days with a direct deposit option for receiving reimbursements. The reimbursement amount will depend on your plan's coverage.
Note: Please note that medical records may be required to complete your pet's first claim. Healthy Paws offers direct vet pay on a claim-by-claim basis with prior approval.
Customer Support
Healthy Paws support can generally be reached via:Phone: 1-855-898-8991Email: help@gohealthypaws.com24/7 Virtual Vet Care: complimentary on-demand support through Airvet
Cancellation Policy
- Full refund if canceled within first 30 days of policy effective date and no claims filed. Number of days and eligibility is state dependent.
- A cancellation request can be made via fax, mail, email, or phone.
PIPA's Review
Healthy Paws is a well rated modern pet insurer known for:
- More options for reimbursement levels, such as 50% and 60%
- Several deductible options above $1,000 — excellent fit for those wanting to keep costs low while insuring against severe health mishaps
- Broad alternative therapy coverage
- Provides option for direct to vet pay (may vary by state and plan)
- Claims mobile app available
Considerations:
- Minimum age for enrollment is 8 weeks old, with a maximum enrollment age of 14 years.
- Routine and preventive care is not an option.
- Pre-existing conditions are excluded.
- Some policy fine print (waiting period specifics) may vary by state.