Healthy Paws markets itself on simplicity—one plan with unlimited lifetime benefits and no caps. However, the company has strict enrollment age limits (pets must be under 14 years), and hereditary condition coverage has notable limitations. Premium increases over time have also drawn customer complaints.
Pets must be enrolled before age 14 for dogs and 14 for cats. If you adopt a senior pet, you may not be able to get coverage at all.
While hereditary conditions are covered, they must not show signs before enrollment. For breeds prone to specific conditions, this can lead to early exclusions.
Premiums increase annually as your pet ages, and some customers report significant year-over-year increases that make coverage unaffordable long-term.
Like Trupanion, Healthy Paws doesn't offer wellness or routine care coverage. Vaccinations, dental cleanings, and checkups are not covered.
Unlike Trupanion's per-condition deductible, Healthy Paws deductibles reset annually. This can add up for pets with ongoing conditions.
No annual or lifetime caps on payouts. For catastrophic events or chronic conditions, this provides genuine peace of mind.
One straightforward plan with adjustable deductible and reimbursement percentages. Easy to understand what you're buying.
Most claims processed within days with direct deposit reimbursement. Mobile app makes submission easy.