Learn how and why veterinary bills are increasing, and how a Healthy Paws plan can help.
Healthy Paws protects pets like family and makes peace of mind and more happy, healthy moments possible. Pet parents and industry reviews tell the story.
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.
What do I get with the Healthy Paws plan?
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 a Healthy Paws plan, you can be covered for your vet bills for these unexpected incidents. Coverage includes emergencies, hereditary or congenital conditions, cancer, and chronic conditions.
Can I use any vet?
You can visit any licensed veterinarian and your Healthy Paws plan will reimburse you based on your actual vet bill, as opposed to some plans that reimburse based on what they think the treatment for a specific condition should cost.
Benefits of the Healthy Paws plan
One simple plan
We offer one easy-to-understand pet insurance plan that covers new accidents and illnesses— including injuries, cancer, genetic conditions, alternative and emergency care. Customize your deductible, reimbursement percentage, and annual limit to find the right fit.
Committed to our customers
Our commitment to our customers is to provide unparalleled service and support, and access to a great pet insurance plan. Our customers think highly of us and have given Healthy Paws the highest rating at Consumers Advocate, Canine Journal, and many more review sites.
Airvet access included
Connect with a vet or vet tech 24/7 via the app. With Airvet, you can skip the stressful clinic visit for everyday concerns and get peace of mind when you need it most.
Most claims are processed within 2 days
Our team of pet passionate claims adjusters work tirelessly to process most claims within two business days. Plus, submit your claims in just seconds by simply uploading a photo of the vet bill through our mobile app or online. It’s that easy!
Healthy Paws pet insurance covers all of these
Illnesses & accidents
Hereditary & congenital conditions
Hip Dysplasia
Chronic conditions
Cancer treatments
Emergency & speciality care
Alternative treatments
Non-routine dental
Diagnostics/X-ray, ultrasound, lab testing
Surgery/hospitalization
Prescription medications
Get a quote in seconds for care that shows up when it counts
Plan exclusions
Pre-existing conditions
Pre-existing conditions are not covered under our insurance policy. 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. However, curable conditions that fully resolve and remain symptom- and treatment-free for a continuous period of 365 days may be eligible for coverage. For specific coverage information, including waiting periods, please review your state-specific policy.
Preventive healthcare
Preventive healthcare is not covered. This includes vaccinations or titer test, parasite/flea control, heartworm medication, de-worming, nail trim, grooming, anal gland expression, spaying and neutering and dental healthcare. However, when teeth are injured due to an accident, the plan does cover the cost of extraction and/or reconstruction of damaged teeth. Learn more about dental coverage.
Pre-existing cruciate ligament injuries
Pre-existing cruciate ligament injuries are not covered, and if the cruciate ligament on one leg is injured prior to enrollment or during the 15-day waiting period, then the cruciate ligament on the other leg is excluded from coverage. This is the only bilateral exclusion in our policy. Treatment for cruciate ligament injuries is covered if it is not pre-existing.
Other exclusions
The plan does not reimburse the costs, fees or expenses associated for elective procedures, boarding, behavioral modification, training, therapy or medications for behavioral modification. Please see the policy for more information on exclusions.
Examination fees
Examination fees are not covered under our insurance policy.
Our commitment shines in our reviews
At Healthy Paws, our mission is simple: take care of pets and the people who love them with top-notch customer service and one of the highest-rated pet insurance plans out there. Our pet parents and experts are feeling the love.
Frequently Asked Coverage and Benefits Questions
No forms are necessary! You can simply submit your claim by taking a photo of your invoice and uploading it through our online Customer Center or Healthy Paws Mobile App.
The claim must be submitted within 90 days of the invoice date.
- You can also submit your invoice(s) and supporting medical documents to claims@healthypawspetinsurance.com
- Fax (888)-228-4129
- Or mail to:
Healthy Paws Pet Insurance
P.O. Box 1156
Portland, ME 04104
You may use any licensed veterinarian in the United States or while traveling in Canada. This includes emergency vets and veterinary specialists.
How much is covered will depend on what reimbursement percentage, annual deductible and annual limit (maximum annual payout) you chose when you enrolled. Reimbursements are based on your actual veterinary bills. Claims representatives determine the total of the covered treatments, if any, and multiply that by your reimbursement rate. They then subtract your remaining annual deductible.
If you selected a plan with an annual limit, Healthy Paws would continue to reimburse your approved claims until that limit is reached for each policy term (12 months).
For example: if your policy has an annual limit of $7,000, your pet's claims for the policy term will be reimbursed – up to a total of $7,000 of reimbursements paid back to you.
After that, you would be responsible for veterinary costs beyond the annual limit.
Your annual limit resets each year on the anniversary of your pet’s enrollment, so that you are entitled to up to $7,000 of reimbursements for every policy term.
If you would like to decrease the cost of your monthly premium, you may be able to lower your reimbursement level, increase your deductible, and/or decrease your annual policy limit (subject to the policy terms and conditions).
You can view your reimbursement, annual limit and deductible options in the Customer Center by clicking Pet Policies in the navigation.
If you want to cancel your policy, you can let us know via regular mail, fax, email or verbally over the phone. Once the account is canceled, you will no longer have access to the online Customer Center. Learn more about canceling a Healthy Paws plan.
“Because of Healthy Paws, we simply loved on him and nursed him; we never worried about how we would pay for his care.”
Kat | Pet Insurance claim stories