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How dog insurance works
With a Healthy Paws pet insurance plan insuring your dog, you can visit any U.S. licensed veterinarian including the specialists and emergency animal hospitals that can truly make a difference in your pet's care. The plan even covers alternative care.
Dog insurance claims. Fast, easy, worry free!*
- Visit any US licensed veterinarian or emergency clinic
- Take a photo of your veterinarian bill & submit it via our app/website.
- Get money back. Most claims are processed within 2 days.
*When you file your first claim, we will need a copy of your pet's full medical history.
See why nearly 400,000 dog parents trust Healthy Paws
Is dog insurance worth it?
Rue was allergic to every type of tree, grass, and pollen, and the constant itching was making her miserable. Her Healthy Paws plan covered testing and treatment, so Rue got the relief she needed with monthly allergy shots. Now, she can romp outside.
Condition: Allergies
Total Vet Cost
$1,400
The Healthy Paws Plan Reimbursed**
$870
Is dog insurance worth it?
Rue was allergic to every type of tree, grass and pollen, and the constant itching was making her miserable. Rue got the relief she needed with monthly allergy shots and now she can romp outside. Her Healthy Paws plan covered testing and treatment.
Condition: Allergies
Total Vet Cost
$1,400
The Healthy Paws Plan
Reimbursed**
$870
"Our 5-year old dachshund has been through two very major surgeries and dozens of vet appointments and less serious procedures over the past few years, and not only has Healthy Paws helped with the financial burden, reimbursing within days, they've reached out to provide support as well. We recommend them to all of our friends and family who have all shared with us that their experience has been just as positive. Highly recommend this company for anyone looking to insure your pets!"
- Brett on PetInsuranceReview.com
Did you know that the Healthy Paws plan covers emergency care at no extra cost? Get a free quote.
Dog health insurance - for puppies to seniors
Whether your dog gets into mischief that lands him in the emergency room or develops a disease later in life that takes you both by surprise, your dog's medical care can cost you at any point in their life.
Insurance for puppies to five-year-old dogs
- Start protecting your puppy at just 8 weeks old and make sure you can protect them from anything like a pesky bee sting to parvo, a potentially life-threatening disease.
- Enroll your dog before the age of 6, hip dysplasia coverage is included at no extra cost.
Insurance for dogs six years and older
- As dogs age, hereditary and congenital conditions may affect your dog and these treatments can be expensive (although dogs of all ages are susceptible to these conditions).
- Enroll your faithful friend up until their 14th birthday. As your dog reaches the golden years, rest assured that they're covered for the lifetime of their policy.1
Pet insurance for dogs and puppies comparison
Pet insurance for dogs
and puppies
comparison
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| Pet Insurance Review rating (PetInsuranceReview.com 2025) |
4.9 | 4.7 | 4.9 | 4.4 | 4.9 | 4.8 | 4.5 | 4.6 | 4.3 | 4.8 | 4.9 | 4.9 | |
| No limits on any plans: no per-incident, annual or lifetime caps on payouts |  |
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| No restrictions on hereditary and congenital conditions2 | |
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| Alternative care included | |
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Limited | Limited | |
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| Deductible type | Annual | Annual | Annual | Annual | Annual | Annual | Annual | Annual | Annual | Annual | Annual | Per condition | |
| Compare ASPCA® |
Compare Embrace |
Compare Figo |
Compare Lemonade |
Compare Nationwide |
Compare Pets Best |
Compare Met Life |
Compare Pumpkin |
Compare Spot |
Compare Fetch |
Compare Trupanion |
Included
Not included or some exclusions
"Healthy Paws is the best insurance you could have for your pet. They are extremely quick with reviewing your claims, the customer service line is extremely helpful, and they are extremely easy to use."
- Richie on PetInsuranceReview.com
Common questions about dog insurance
What does dog insurance cover?
Healthy Paws covers the costs of veterinary care to treat new injuries and illnesses, including diagnostic testing, treatment, surgery, and medications. Coverage includes (but is not limited to): cancer, emergency care, genetic and hereditary conditions, breed-specific conditions, and alternative care.2
When is the best time to buy dog insurance?
It’s wise to enroll your dog in pet insurance as early as possible before any illnesses develop since pet insurance does not cover pre-existing conditions.
Can I use any veterinarian?
Yes! With Healthy Paws, you can take your dog to any licensed veterinarian in the U.S. or while traveling in Canada, including emergency vets and specialists.
Is routine care covered?
No, routine care is not covered. Although wellness care is an essential part of responsible pet parenting, there is a clear distinction between a wellness plan and pet health insurance. The Healthy Paws plan is meant to help cover unplanned veterinary visits, including diagnostics, treatment, and medication for injuries or illnesses that can quickly become very expensive and aren’t as easy to budget for. Routine healthcare includes vaccinations, flea control, heartworm medication, de-worming, dental care, ear plucking, grooming, and prudent regular care.
Are there any caps on payouts?
With Healthy Paws, there are no limits on claim payouts, per claim, per year, or for the lifetime of your policy, so you can get your dog the care they need without worrying about reaching plan limits.
Get an instant quote now and take the first step to protect your furry best friend.
**Example reimbursement amount based on covered treatments using a 80% reimbursement level and a $250 annual deductible.
1 Maximum enrollment age may vary by state.
2 The Healthy Paws plan includes coverage for hip dysplasia when you enroll your pet before the age of six. Please review your state-specific information regarding pet enrollment age and waiting periods for more details.
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.
