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Healthy Paws Pet Insurance Review

Do you want nothing but the best for your furry friend?

We do many things to keep our pets healthy—from buying the best possible pet food to getting them vaccinated regularly and ensuring their physical health by taking them on regular walks. However, you can’t always do everything to protect your furry friend.

This is why investing in one of the best pet insurance policies is the best idea in case your beloved pet gets injured or sick because you can afford to get your furry friend the best care without shelling out thousands of dollars.

This blog post will review Healthy Paws Pet Insurance in detail and help you determine whether it’s the right choice for your doggy.

Let’s begin, shall we?

A Little About Healthy Paws Pet Insurance

Healthy Paws Pet Insurance and Foundation started in 2009 and is one of the best pet insurance companies. This company covers advanced cancer treatments, ACL surgeries, etc., which most health insurance companies don’t cover.

This insurance covers the following:

  • Accidents, Illnesses, & Cancer
  • Diagnostic Treatment
  • Hereditary, Congenital, & Chronic Conditions
  • X-Rays, Blood Tests, Ultrasounds
  • Surgery & Hospitalization
  • Prescription Medications
  • Emergency & Specialty Care
  • Alternative Treatments

The unique thing about Healthy Paws is that it is the only insurance company that provides unlimited lifetime benefits with an annual deductible. What this means is that there is no limit on the number of claims you file and no cap on the reimbursements you receive! So, your furry friend is covered for illness and accidents for life. Awesome, right?

Things You Need to Know Before Buying the Policy

In this section of the blog, we will go through some of the things you need to know before you go ahead and buy an insurance policy for your pet from Healthy Paws.

Take a look:

Annual Deductible

You will only have to meet an annual deductible once per year. Some plans have a pre-condition deductible that you must complete each time your furry friend gets sick or has an accident. A yearly deductible, on the other hand, saves costs and is one of the reasons why Healthy Paws Pet Insurance is one of the best.

Hereditary & Congenital Conditions

One of the best things about Healthy Paws policies is that they cover expensive congenital and hereditary conditions, including heart defects and hip dysplasia. Most pet insurance companies exclude them entirely from the procedure or include them but deny claims after you’ve paid a fortune in vet bills.

This isn’t the case with Healthy Paws. The company reimburses congenital and hereditary condition diagnosis and treatment without creating hassles.

Other Conditions & Treatment

Another excellent thing about Healthy Paws is that the coverage includes chronic conditions such as allergies, ear infections, cancer, renal failure, and more. These conditions are ongoing and costly, and Healthy Paws covers them and never denies a claim.

When you take your pet to the vet for illness or accident, the company pays for testing, prescription medications, and diagnostic treatment. In case your furry friend needs surgery, the company covers the surgery’s cost and hospitalization. Even bee stings are included in the insurance!

Not just that, if your pet ever needs a specialist’s care for an illness such as cancer, the company will also cover that.

Alternative Care

Healthy Paws also covers alternative treatments at no additional costs—something most pet insurance companies shy away from. These therapies include chiropractor, acupuncture, hydrotherapy, and physical therapy.

Reimbursement Method

The reimbursement method followed by Healthy Paws is based on the actual veterinary bill. Some plans reimburse you according to a benefit schedule or “usual and customary” vet costs, usually based on the national average price.

If you paid a $500 vet bill to treat your pet’s ear infection, the pet insurance reimburses you according to a benefit schedule. If the benefit schedule indicates that $300 is “usual and customary” to treat a dog ear infection and you chose a 90% reimbursement when enrolled, your pet insurance will reimburse you 90% of $300, so $270.

However, you paid $500, which is almost double the cost!

Healthy Paws reimburses you based on the $500 vet bill.

So, 90% x $500= $450.

This means that the company will pay you $450, and the rest $50 will be paid by you, which isn’t too bad, right?

The Claims Process

One of the best things about Healthy Paws is that it is one of the pet insurance companies to automate its claims process online fully. If you want to file a claim, you must visit the claims portal website or download the app on your phone. The company has high claims approval rating and a fast turnaround time for reimbursements.

Summing Up: Healthy Paws Pet Insurance Review

Healthy Paws Pet Insurance is one of the best pet insurance companies. The company has a high reimbursement rate and quick turnaround time, making it a reliable choice for your pet’s health. The company covers various diseases and alternative treatments, diagnoses, etc., which is excellent.

But it always…

Important to understand that while Figo is a great pet insurance company, they are just one of several that you will want to consider. For more information on who we feel currently offers the “best” pet insurance policies out there, we would encourage you to check out our Best Pet Insurance Policies article.

Do you have questions? Leave them in the comments, and we will reply soon.

{ 2 comments… add one }
  • Michele M October 22, 2020, 2:42 pm

    How do I get information regarding the insurance rates and options?

    • indulgeyourpet October 22, 2020, 3:25 pm


      There are a lot of factors that will come into play when determining what rate and options you would have available to you. Our suggestion would be to either go to one of these insurance companies site directly or call them so that they can give you an accurate price.

      Good luck!


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