Healthy Paws Pet Insurance review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Healthy Paws Pet Insurance suits pet owners who want accident and illness cover that pays out without an annual ceiling, and who are happy to claim from a phone. Cover starts at $24 a month, billed monthly, with an excess you choose from $100 to $5,000.

Key facts

Best for
Owners who want unlimited annual cover and who set their own excess, $100 to $5,000, on each claim.
Premium from
$24 (Source, checked September 26, 2026)
Insurance types
Pet (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Excess from
$100 to $5,000 (Source, checked September 26, 2026)
Cover limit
Unlimited annual coverage (no annual or lifetime limit) (Source, checked September 26, 2026)
Claims channels
Online portal, Mobile app (Source, checked September 26, 2026)
Age range
8 weeks to under 14 years (pet age) (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
healthypawspetinsurance.com

Apps and profiles

Elsewhere
Wikidata

Pros and cons

Pros

  • Annual cover carries no yearly or lifetime ceiling, so an expensive treatment does not run into a cap, under Unlimited annual coverage (no annual or lifetime limit)
  • The excess is your choice, $100 to $5,000, so you can trade the monthly cost against what each claim leaves you
  • Claims run through online portal and mobile app, so a claim can be filed and followed from a phone without posting paperwork

Cons

  • The excess can be set as high as $100 to $5,000, which leaves a large share of every settled claim with you
  • Claims go through online portal and mobile app only, so there is no other listed route to file or follow a claim
  • The premium from $24 sits above the pet ranking median of €8.88, so the entry price is not the smallest on the market

Ready to try Healthy Paws Pet Insurance?

Scored 9.0 / 10 by AssureCue.

See alternatives

Who it suits

  • Pet owners who expect surgery or a long course of treatment and want cover with no yearly ceiling
  • Owners who are happy to file claims on a phone through the online portal or the app
  • People who prefer paying monthly rather than committing to a full year of cover up front

Who should look elsewhere

  • Chasers of the lowest entry price should look at ComparaJa, from €0, and bonus.ch, from CHF 0, since both start below $24
  • Owners who want a wider basket than pets: Good Sam Insurance Agency sells pet cover among many other lines, auto, home and renters
  • Owners who would rather not choose an excess themselves, since the top of $100 to $5,000 leaves a large share of the bill with them

How Healthy Paws Pet Insurance compares

Where Healthy Paws Pet Insurance is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Healthy Paws Pet Insurance cost each month?+

Cover starts at $24 a month, and the payment can be taken monthly rather than as a yearly sum. That starting point sits above the pet ranking median of €8.88, so owners on a tight budget may find cheaper entry points among other pet insurers.

What is the excess, and who decides it?+

You decide, and $100 to $5,000 shows the selectable range. A lower excess means a higher monthly premium but less to pay when a claim settles. A higher excess keeps the monthly cost down and leaves a bigger share of each bill with you.

Is there a cap on what the policy will pay?+

Under Unlimited annual coverage (no annual or lifetime limit), annual coverage is unlimited, with no annual or lifetime limit. That suits owners whose pet may need repeated treatment in the same year, since claims are not cut off once a yearly total is reached.

How do I make a claim?+

Claims are filed through online portal and mobile app, covering the online portal and the mobile app. Both are self-service, so you can submit and follow a claim from your phone without posting paperwork. Those are the only claim channels listed.

Which pets can be insured?+

Age eligibility runs from 8 weeks to under 14 years (pet age), so a pet has to sit inside that band to be covered. The product covers pets only, pet, so no separate travel, home or motor cover is attached to the same policy.

Is it an insurer or a broker?+

Healthy Paws Pet Insurance is the insurer itself, insurer, based in the United States. You deal with the insurer directly for cover, premiums and claims rather than a broker picking a policy on your behalf.

Can I pay monthly rather than yearly?+

Yes, monthly payments are available, monthly, so the premium is spread across the month and the cash outlay stays small. That suits owners who prefer a recurring payment to committing a larger sum for a year of cover.

Sources

  • nerdwallet.com/article/insurance/healthy-paws-pet-insuran... checked September 26, 2026

    Backs: Age range, Claims channels, Cover limit, Provider type, Excess from, Headquarters, Insurance types, Pricing model, Monthly payments, Premium from

    “Pets must be at least 8 weeks old to be covered, and may be enrolled any time before their 14th birthday in most states.”

Compiled from 1 source page, checked September 26, 2026. We did not open an account.

Healthy Paws Pet Insurance

Owners who want unlimited annual cover and who set their own excess, $100 to $5,000, on each claim.

9.0/10See alternatives

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