Learn how and why veterinary bills are increasing, and how a Healthy Paws plan can help.
Read stories of how Healthy Paws has protected pets like family and made peace of mind and more happy, healthy moments possible.
Rescue organizations across the U.S. received support for adoption efforts and ongoing care for vulnerable pets.
Make their food irresistible with the freshest nutritionally-balanced ingredients.
The Healthy Paws Community is a vibrant, social-first space for all pet lovers—whether you’re a Healthy Paws policyholder or simply passionate about pets. As a Pack Member, you can share your favorite pet photos and videos, connect with fellow pet parents, and stay informed with the latest Healthy Paws news and tips. It’s a welcoming place focused on connection, positivity, and celebrating the joy pets bring to our lives!
Everyday expenses for a pet now exceed $4,000 a year on average, according to new research. As prices continue to climb, pet owners face tough choices. Pet insurance can be a financial backstop against the unexpected.
Pet insurance that protects them like family
Coverage that fits your family
Visit any licensed vet, specialist or emergency clinic in the U.S. (or Canada if you are temporarily traveling there). No networks, no restrictions.
Pay your vet, send us the bill and get reimbursed fast. No hoops, just help.
Swallowed something? Limping? Not themselves? We cover the unexpected, so you don’t have to guess.*
Bills pile up fast. That's why we help with the big stuff, like surgeries, emergency care and overnight stays.
We’re here when care becomes part of everyday life, from allergies and diabetes to everything in between.
We also cover tests, scans and x-rays, so you don't have to fret the small stuff.
From hip dysplasia to heart disease and kidney trouble, we cover conditions common to your pet’s breed.
From acupuncture to rehab and physical therapy, we support every path to feeling better.
Airvet virtual vet care - included with your policy
When you enroll with Healthy Paws, you’ll get unlimited 24/7 access to virtual vet care through the Airvet app. Connect with licensed vets anytime, anywhere — from late-night worries to everyday questions. Skip the stress (and cost) of unnecessary clinic visits and enjoy peace of mind knowing expert help is always just a tap away.
Compare Healthy Paws pet insurance plans
- Lower deductibles mean reimbursements start sooner
- Pays back up to 90% of your vet bills
- Unlimited maximum payouts
- 24/7 virtual vet care from Airvet
- Higher deductibles mean lower monthly premiums
- Coverage when it counts most
- Unlimited maximum payouts
- 24/7 virtual vet care from Airvet
Now offering two ways to reimburse your pet’s claims
File your claim right from the Healthy Paws App on your phone, or from our Customer Center. Just snap submit and get paid – most claims are processed and paid within two days.
When funds are critical, the Healthy Paws Direct Pay team can also arrange to pay your reimbursable benefit directly to your vet, making it easier to say yes to life-saving treatments.
Frequently asked questions
If all this talk about coverage and claims has your head tilting to the side, don’t worry. We’ve rounded up answers to our customers’ most commonly-asked questions.
Pet insurance can be beneficial in many situations. It can help pet parents avoid the heartbreaking decision of choosing between what they can afford and lifesaving treatment for their pet. Medical emergencies and injuries can happen to a pet at any age; getting pet insurance while your pet is young and healthy can help ensure that future ailments can be covered rather than risking being excluded as pre-existing conditions, subject to the policy’s terms and conditions.
Reimbursements are based on your actual veterinary bills. Claims representatives determine the total of the covered treatments, and reimburse you for the percentage of those bills that you selected for your policy, minus your remaining annual deductible.
For example:
Say you have a policy with a $250.00 annual deductible and a reimbursement rate of 80%
- You get a vet bill for $1,200 in covered treatments
- Apply the reimbursement rate: 80% of $1200 = $960
- Subtract your annual deductible: $960 - $250 = $710
- You are reimbursed $710 for that $1,200 bill
For your next bill, you would be reimbursed a full 80% for covered treatments. (Your pet's deductible is annual, meaning it must be satisfied only once per policy term and resets on the anniversary of your pet's enrollment.)
If a claim is approved, any reimbursement due will be issued on average within 1 business day. You can choose to be reimbursed via a mailed check or direct deposit.
You may use any licensed veterinarian in the United States or while traveling in Canada. This includes emergency vets and veterinary specialists.
*Healthy Paws pet insurance covers treatment for new accidents or illnesses except pre-existing conditions. Other exclusions may apply.
** The claim scenarios described here are intended to show the types of situations that may result in claims. These scenarios should not be compared to any other claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms and conditions of the policy as issued, and applicable law. Insureds providing testimonials have not received compensation for their statements.