They’re Not Animals, They’re Family! Healthy Paws Pet Insurance, A Product Review

What is your pet’s health worth to you?

What is your piece of mind worth knowing if you can or can not afford medical treatment for your pet if needed?

Today, the health cost keep rising not only for us, but our pets as well. This can put a burden on any household that loves to have furry friends around.

Even most corporations that each of us work for are now offering some form of pet insurance as part of the family plans available to their employees.

As this is still new in the marketplace, it is becoming a necessary expense if you want to provide the best health coverage for your pets.

No one wants to have to make a difficult decision about their loved pets when they become ill. Pet insurance can be an affordable way to avoid that situation and help your pet live a long and comfortable life.

In this article, I will give my unbiased review of what many consider the best pet insurance on the market today.

Healthy Paws Pet Insurance Review

  • Name: Healthy Paws Pet Insurance
  • Website:
  • Price: On Avg. $32.83 (Dogs) and $17.19 (Cats), This product is breed dependent.
  • Owners: Steve Siadek and Rob Jackson (co-founders)
  • Overall Rank: 9.8 out of 10 (Consumer Advocate)

Healthy Paws Overview.

Today, almost 75% of all cats and dogs become ill or injured during their lifetime with 40% of those as serious conditions. This statistic will make any pet owner consider pet insurance to avoid the high cost of pet care.
Healthy Paws is a pet insurance provider for cats and dogs that is based out of Washington state. They are underwritten by one of the top rated insurers in the Chubb Group.

Healthy Paws offers consumer options of benefits that include unlimited lifetime benefits, high reimbursement for health care, choices of affordable care based on your wants, and great customer service as indicated in the consumer reviews.

This insurance is designed to plan for the unexpected.

How many times has your dog swallowed something that they should have not? This plan will cover that.

How many times has your cat come down with an infection? This plan will cover that.

You can get this insurance for your pet as young as 8 weeks, but not older than 14 years.

Healthy Paws is one of the few pet insurance providers that does not have caps on yearly or lifetime benefits. Once you have met the deductible, all you pay forward is the copay. 

Is It Breed Dependent?

Yes, as is most pet insurance.

Every breed can have a tailored plan suited for them. All breeds are eligible for the unlimited lifetime benefits. The rates for your pet’s coverage will be breed dependent, but all breeds enjoy the same benefits.

On the Healthy Paws website, you can get a quote for your pet’s coverage and rates.

Healthy Paws Pet Insurance and Foundation.

How Does This Work?

It is easy to get your reimbursement once your Vet has treated your pet. You can use the Healthy Paws mobile app to do this.

Just take a picture of your Vet’s itemized bill with the mobile app and submit it for payment. It’s that easy!

The reimbursement check will be sent to you in about 3-4 business days once submitted.

If you prefer the paper way, you can submit for reimbursement using the Healthy Paws claims form. Healthy Paws has direct deposit available as well.

What Does It Cover?

Healthy Paws covers the unexpected such as accidents and illnesses that you did not plan for.

Healthy Paws plan coverage is detailed below:

There are limitations that the consumer needs to be aware of and this is pretty typical for all insurance providers compared to Healthy Paws.

Some of those exclusions are listed below from Healthy Paws website:

When you are looking for pet insurance coverage, you should consider this:

  • Coverage
  • Deductibles
  • Reimbursement Methods
  • Caps on Payouts
  • Consumer Service

Below are 2 comparison charts that compare Healthy Paws and other providers using the criteria above:

As you can see, not all plans are the same.

As per Consumer Advocates, Healthy Paws consistently rates at the top for most comprehensive coverage and especially customer service.

Pro’s and Con’s


  • Members of AAA, AARP, and Military are eligible for discounted rates.
  • Choose your deductible and copay
  • Annual deductible instead of an incident deductible
  • Unlimited lifetime coverage
  • Your pet is covered when they travel with you in the United States or Canada
  • High customer satisfaction rating by Consumer Advocate
  • Easy to submit a claim for reimbursement via mobile app.
  • Most claims are in the mail within 3-4 business days
  • BBB accredited with an A rating


  • Veterinary exam fee and behavioral therapies are not covered
  • Excludes hip dysplasia in animals enrolled after age six. There is also a 12-month waiting period.
  • Pets older than 8-years-old are restricted to 60% reimbursement and a $750 annual deductible
  • 15-day waiting period for accident and illness
  • No discounts for multiple pets (cats)

Product at a Glance

  • Name: Healthy Paws Pet Insurance
  • Website:
  • Price: On Avg. $32.83 (Dogs) and $17.19 (Cats), This product is breed dependent.
  • Owners: Steve Siadek and Rob Jackson (co-founders)
  • My Overall Rank: 4.6 out of 5 Stars (based on Pros/Cons)

Would I Buy This For My Pet? Yea or Nay

As compared to all other plans that I researched, this is by far the best and most comprehensive pet insurance plan for you and your pet(s).

As prices for health coverage increase, this can provide you the comfort to being able to provide for your pet. No one wants to lose a pet, they are an extended member of our families.

This is Healthy Paws commitment to you the customer:

I believe that for the value and coverage (and comparison to their competitors), this is the best buy in providing the coverage your pet deserves.

I recommend that you start here to help your pet live that long and healthy life!

Healthy Paws Pet Insurance & Foundation

I hope you have found this product review helpful and informative to help you make the best decision for your pet.

If you have any questions or comment, Please leave those below. I would love to hear what your think about this product.


8 thoughts on “They’re Not Animals, They’re Family! Healthy Paws Pet Insurance, A Product Review

  1. This is an eye opener article for me. I had no idea pet insurance even exist. I don’t have pets. I know I have a friend that has a dog. Her dog is like her child. So when I read the title, it immediately reminded of my friend. Her dog is not just an animal, but her family. I think she could benefit from this article. I like how you explained everything in such great detail. You have answered everything anyone can ask about. Thank you for sharing.

    1. Yes, pets are more than just pets these days. Just as you would provide for your child, people have elected to provide for their pets. Insurance can give a person the piece of mind that they won’t have to end the life of a pet prematurely because of high medical expenses. This is a real life saver.

      I’m glad I could help you and your friend. Please share this article with her and this one also by pressing here. Both are all about pet insurance and why you should consider it. Thanks for your comments and insight.

  2. This is very interesting! I never knew there is such a thing as Pet Insurance. Thank you for a very detailed article about this. It really helps when you provide info such as what they offer, how they offer, the different rates for breeds, the comparison to other providers and the pros & cons. It will truly help people to decide the best choice. Once again, thank you! 🙂

    1. Thanks for the comments. My goal is to help and hopefully people with pets will make the best decisions for their furry friends. My goal is to help people solve heir problems and their pet’s problems as well.

  3. Holy cow, I didn’t even know pet insurance existed! I wish I had this last year when my dog was really sick, came out of pocket quite a bit of money. Thank you so much for this post, I have to get this

    1. You should consider Healthy Paws as there is not limit after meeting the deductible. The mobile app makes it really convenient to get your reimbursement and quick (3-4 days).

      I have another article that you should review that educated people on pet insurance here. However, as I wrote in this product review, Healthy Paws is the highest rated by consumers and this is what I go by when purchasing a product.

      When you get your insurance, I would love to hear about your experience. thanks for the comment.

    1. I am not too familiar with Great Danes, but I’m sure you would want to provide the best for him/her. Healthy Paws is the highest rated by consumers today by far. As I wrote in my article, the insurance is breed dependent. Just use the link I provided and you can get a quote for your family member.

      Good luck and thanks for the comment.

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.