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Home / Pets / Pet Insurance / Healthy Paws
8.6 Tested Aug 26, 2026 by Team RankingRight

Healthy Paws (Accident & illness, one plan) review 2026

One simple plan with no annual, lifetime or per-condition payout limit — the policy that does not run out when the bill is large

PriceFrom $43 · checked Sep 11, 2026
Labrador, age 243 $/mo
Cat, age 322 $/mo

Is the Healthy Paws Worth It?

Best pet insurance overall. Healthy Paws does one thing exactly right: when the bill is enormous, nothing stops paying. The price of that simplicity is no wellness, no exam fees and a hard orthopaedic wait.

Healthy Paws Pros & Cons

Pros
  • No annual or lifetime cap — the catastrophic claim is the one that matters and this is where it pays
  • Hereditary and congenital conditions covered
  • Claims processed in about two days on published figures; photo upload in the app
  • Underwritten by Chubb
Cons
  • Twelve-month waiting period for hip dysplasia, and it is permanent for pets enrolled after age six
  • No exam fees, no wellness plan, no dental cleaning
  • One plan only — no choice of annual limit to lower the premium

Healthy Paws at a Glance

8.6 Editor Score
What is coveredAccidents, illness, hereditary and congenital conditions, dental disease, behavioural therapy, prescription food, exam fees — read from the policy, not the marketing page.
27/30
Limits & exclusionsAnnual or per-condition payout caps, age limits, waiting periods, how a pre-existing condition is defined and whether curable ones can be reinstated.
18/20
PriceMonthly premium for our four test pets at 80% reimbursement with a $500 deductible, and how much the premium rises with age.
16/20
Claims & payoutHow claims are filed, published processing times, direct payment to the vet, and complaint volume in state insurance filings.
18/20
Wellness & extrasOptional wellness plans, 24/7 vet lines, multi-pet discounts, deductible that shrinks in claim-free years.
7/10
Reader ratingNo reader ratings yet — not part of the score
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Own one? Rate it:

Rubric v1: What is covered 30 · Limits & exclusions 20 · Price 20 · Claims & payout 20 · Wellness & extras 10. Score = Σ ÷ 10, locked Sep 11, 2026. How we rank.

Where to buy — prices checked Sep 11, 2026

Healthy Paws — $43

Best priceVisit Site

Healthy Paws specifications

Our quote: 2-year-old Labrador43 USD/mo
Our quote: 3-year-old domestic cat22 USD/mo
Reimbursement options50–80%
Deductible options$250–$1,000
Unlimited annual payoutYes
Waiting periods15 days accident and illness; 12 months hip dysplasia
Exam fees coveredNo
Dental illnessIllness only, not cleaning
Direct vet paymentNo
Wellness add-onNo
Upper age limit14 at enrolment

Why it scored 8.6

Healthy Paws does one thing exactly right: when the bill is enormous, nothing stops paying. The price of that simplicity is no wellness, no exam fees and a hard orthopaedic wait.

Where it loses

Extras; exam fees.

Still the right pick for

Anyone insuring a young pet against the worst case.

Changelog: Sep 11 — rank 1 → 2 · all changes

Healthy Paws8.6 · $43
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