Healthy Paws Pet Insurance – Very Customizable plans.

New and animal friendly!

While making this website, I received an e-mail from Oona who works for Healthy Paws Pet Insurance. She asked specifically to be put on this website.

To make sure that my information here is unbiased, I phoned them just as I phone every other company- as a prospective pet owner.

When I phoned them, they were courteous and informative.

Healthy Paws Pet Insurance has very customizable plans. You choose the deductible and the co-payment.

They also cover both hereditary and congenital conditions. I am wary of any company that doesn’t cover these conditions.

Healthy Paws Pet Insurance is a smaller pet insurance company (compared with many- which are quite large). It’s more of a grass-roots type.


About Healthy Paws Pet Insurance company: One of the Owners- Steve Siadek adopted a rescue dog named Daisy, he also volunteered in animal shelters and eventually decided to leave his corporate career and became the executive director of an animal shelter.

At this time, he met Rob Jackson who was an insurance executive. They teamed up to help owners so they wouldn’t lose their pets due to an unforeseen vet bill.
They also say that your enrolment supports their efforts in animal rescue groups and shelters.

So you help your pet and also homeless pets too!



Please, check out or leave a Review to let people know about your experience.


Below I have created 2 charts so that you can take an overview look at the plans, and then a more detailed chart with more particulars.

Snapshot Information Chart for Healthy Paws Pet Insurance
% indicates co-payment amount. You can choose the co-payment.

click here to understand co-payments 

Plan Accidents and Illness Deductible (annual) Max age limit to sign on Lifetime cover Price per month
Dog plan (30,20 or 10%)- young mixed breed $25000 lifetime No incident limit. $50, 100, 250, 500 Over 6 years must have a complete clinical examination. yes Dog: $19.42-29.68
Dog plan (30,20 or 10%)- older pure breed $25000 lifetime No incident limit. $50, 100, 250, 500 Over 6 years must have a complete clinical examination. yes Dog: $50.31-90.25
Cat plan (30,20 or 10%) $25000 lifetime No incident limit. $50, 100, 250, 500 6 years yes Cat: $13.12- 20.20

I just choose a couple breeds and ages to compare prices. There is a noticeable price difference if you’re enrolling a young pup, to an older pedigree pet.

Their plans are very customizable. You can choose the deductible, or the co-payment.

Detailed coverage Chart for Healthy Paws Pet Insurance

Dog and Cat plan
Vet fees Accident and Illness $25000 lifetime No incident limit.
Routine Care
Hereditary Conditions yes
Hip dysplasia Yes- see below
Death (replacement cost of pet)
Euthanasia yes
Boarding (if owner hospitalized)
Holiday (trip cancellation)
Cover Abroad Canada
Behavioural problems
Prescription meds yes
Dental (not teeth cleaning) Only if due to accident
Alternative treatment some
Breeding, Fertility, Pregnancy
Medical devices (ex. Wheelchair for dog) yes
Lost/Stolen pet adds
Third party liability
(dogs only)
Accidental Damage (tenant coverage)
Grooming and Bathing
Pet food, Nutritional supplements, vitamins, natural remedies

Vet fees- Illness or Accident
Routine/Preventative care- vaccinations, annual exam etc. are not covered.
Hereditary conditions- aswell as congenital conditions are covered.
Hip Dysplasia- is covered if your pet is enrolled before the age of 6, however, there is a 12 month waiting period for hip dysplasia. Your pet must also go for a complete exam within 12 months of signing up with healthy paws.
Death- is not covered.
Cremation– is not covered.
Euthanasia – is covered.
Boarding- is not covered.
Holiday- is not covered.
Cover abroad- you can travel to Canada.
Behavioral problems- training, therapy, medications or behavioral modifications are not covered.
Prescription Meds- are covered.
Dental- is covered if it is due to an accident.
Alternative treatment- case by case basis.
Breeding, Fertility, Pregnancy– is not covered.
Medical devices– is not covered.
Lost/Stolen Pet (Advertising to find pet if lost/stolen/strays) – is not covered.
Third party liability(dogs only) – is not covered.
Accidental Damage– is not covered.
Grooming and Bathing– is not covered.
Pet food, Nutritional supplements, vitamins, natural remedies– is not covered.



Some Common Questions: 

Lifetime insurer(will they cover on going conditions throughout pets life)? 
Yes, since the lifetime amount is very high, you have nearly lifetime coverage.

If you want to better understand Lifetime Pet Insurance, check out this page!

There are promo codes available.

Any vet or specific vets only? After hours vets or in home vets? 
Yes and yes.

Can the vet be paid directly?  
Not generally, unless it’s a major surgery planned in advance they can work something out.

If not, How quickly are claims processed with Healthy Paws Pet Insurance? 
5-10 business days. 72 hrs for repeat claims.

Do they cover the examination fee (if it relates to the injury or illness)? 

All breeds? 

Do I stop getting coverage as my dog ages? 

Does age affect monthly price (as my dog gets older will the monthly premium go up)?  

Do they put the monthly price up every year? By how much? 
They will put up claims slightly each year based on increasing vet prices.

Does Healthy Paws Pet Insurance serve all of USA? Is the monthly amount more depending on where I live? 
Yes and yes.

Waiting period? 
15 days for illness or accidents, 12 months for hip dysplasia.

Do rates increase with more claims/penalized for filing more claims? 
No, you are not penalized if your pet gets sick or injured and you need to file more claims.

Maximum lifetime claim amount? 

What is the co-pay? 
30,20 or 10%, you choose.

Extras included? 
None to note.

Money back guarantee?  
30 days.



What they don’t cover – claims that are directly or indirectly related to:
• Pets under 8 weeks old.
• Pre-existing conditions.
• No coverage for activities that result from: racing, breeding, hunting, law enforcement.
• Treatment not recommended by a vet.

Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.

If you have any more questions please phone Healthy Paws Pet Insurance at: 1800-453-4054

Please, check out or leave a Review to let people know about your experience.


Check out other American Pet Insurance Companies.

24petwatch– another Pethealth corporation company!

AKC Pet Insurance– Offer Coverage in all 50 States!

ASPCA Pet Health Insurance– 10% of your purchase goes towards helping shelter animals.

Banfield Pet Insurance– Cheaper routine coverage spread out throughout the year to keep your regular vet prices low.

Companion Insurance– 2 plans to choose from.

Embrace Pet Insurance – Very customizable plan! so you can adjust your plan based on deductible or monthly payment to fit your budget.

Pet Assure– pet insurance alternative so you ALWAYS have lower vet bills and your pet will even be covered with pre-existing conditions.

Pet Care Pet Insurance– HUGE assortment of plans to choose from.

Pet First insurance– same price policies for any breed of pet.

Corporation of Pethealth and all their other companies.

Pet Plan insurance – Excellent plans with upto 100% coverage!

Petsafe – Unlimited coverage at reasonable prices.

Pets Best Insurance – Travel to anywhere in the world with your pet and you’ll be covered! Or if you have a pregnant dog, this might be for you!

Quick Care – 5 plans, with one especially for Tenants!

Shelter Care – Great prices and excellent customer service.

Trupanion – one plan so it’s easy, you just have to pick the perfect deductible for you.

VPI pet insurance– Originally created by Veterinarians, now covers your pet globally and will also cover Exotic pets and birds!

Pet Insurance Terminology – all the complicated terminology explained simply and easily.


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