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Pet Insurance
Coverage and Exclusions

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Pet Insurance Coverage and Benefits

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Protect your pet with Healthy Paws and give your dog or cat the best medical care while protecting your bank account from unexpected, and expensive, veterinary bills. Our affordable plan starts as low as $15 for cats and $20 for dogs.

What Does Pet Insurance Cover?

Pet insurance is designed to cover the unexpected accidents and illnesses that you just can't plan for, such as when the dog swallows something he shouldn't, or the cat gets a urinary tract infection. With Healthy Paws, you can be reimbursed up to 90% of your vet bills for these unexpected incidents. Coverage includes emergencies, hereditary or congenital conditions1, cancer, and chronic conditions. No pet insurance company covers pre-existing conditions, and most plans do not cover wellness visits like annual exams or teeth cleaning.

Healthy Paws offers one simple plan that provides you and your pet with no caps on claim payouts. You can visit any licensed veterinarian and Healthy Paws will reimburse you based on your actual vet bill, as opposed to some companies that reimburse based on what they think the treatment for a specific condition should cost.

Why choose Healthy Paws?

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Healthy Paws Pet Insurance coverage has no caps on payouts.

If your pet needs treatment for an accident or illness, and it’s not a pre-existing condition, you’re covered. It’s that simple.

Save up to 90% on vet bills, with no caps on per-incident, annual, or lifetime payouts.
  • Illnesses
  • Accidents
  • Hereditary Conditions
  • Congenital Conditions
  • Chronic Conditions
  • Cancer
  • Diagnostic Treatment
  • X-Rays, Blood Tests, Ultrasounds
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Treatment

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"The Healthy Paws Pet Insurance staff was incredibly helpful and supportive during the entire ordeal. Great company run by real people who care about pets!"

James, posted on Yelp

Pet Insurance Exclusions

We're all about protecting your pet from unexpected accidents and illnesses and you from the financial problems their treatment may cause.

Our pet insurance plan does not cover the following:

We do not reimburse the costs, fees or expenses associated for elective procedures, boarding, behavioral modification, training, therapy or medications for behavioral modification. Please see our policy for more information on exclusions.

What is a pre-existing condition?
A pre-existing condition means that the condition first occurred or showed clinical signs or symptoms (there doesn't need to be a diagnosis) before your pet's coverage started, including waiting periods. Healthy Paws excludes pre-existing conditions from coverage as do all pet insurance companies.

Our Commitment to Our Customers

The Healthy Paws Pet Insurance plan is easy to understand, we reimburse quickly, and you can count on us to help, especially when it comes to reducing the stress of caring for a sick pet.

Our commitment is to provide you and your pet with the best customer service and best pet insurance plan in the country. We are grateful to our pet-passionate customers for sharing their love of our plan and service by giving us a 98% satisfaction rating at Consumers Advocate!


"The vet bills really added up quickly, but knowing we had insurance for Layla really put us at ease about the bills and allowed us to focus on her recovery. I submitted the bills easily online, and they approved the claims very quickly, and without any questions. They paid over $2,000 of Layla's vet bills (90% of covered charges)."

Jessica, from DeWitt, MI

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1Healthy Paws includes coverage for hip dysplasia when you enroll your pet before the age of six. It is excluded from coverage if you enroll your pet when they are 6 and older. There is a twelve-month waiting period before coverage takes effect in all states except MD and NH. If signs or symptoms of hip dysplasia are noted by your veterinarian before your enrollment or during the twelve-month waiting period, hip dysplasia will be considered pre-existing and will not be covered.