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Healthy Paws pet insurance

Checked against Healthy Paws's own policy documents (reviewed 2026-10-16). We're independent and earn no commission.

A good fit if…

  • you want the option of no annual payout cap

Look elsewhere if…

  • you want vet exam fees reimbursed
  • dental disease coverage matters to you

Healthy Paws

Accident & Illness Plan

A single accident & illness plan with an unlimited-payout option and alternative care built in — but no exam-fee coverage.

$$$ PremiumAccident & illness
Pays back
Up to 90%
Yearly limit
Unlimited
Deductible
Yearly

Watch out: Vet exam fees are NOT covered

Get a quote from Healthy Paws
Full coverage details
Reimburses
70/80/90%
Annual limit
Unlimited
Deductible
Annual
Exam fees
Not covered
Accident wait
15 days
Illness wait
15 days
Deductible
Annual deductible, met once per policy term. The deductible and reimbursement options offered depend on your pet's age at enrollment.
Annual limit
Choose a $5,000, $7,000 or unlimited annual limit.
Exam fees
Vet exam fees are not covered by the policy.
Dental
Only teeth injured in an accident (extraction or reconstruction). Dental disease and cleanings are not covered.
Alternative therapy
Acupuncture, chiropractic care and hydrotherapy by a licensed vet are included at no extra cost. Herbal medicine and homeopathy are excluded.
Wellness
No routine/wellness coverage is offered.
Waiting periods
Accidents 15 days, illness 15 days, orthopedic/cruciate 12 mo. 15-day wait for accidents and illness. Hip dysplasia has a 12-month wait if enrolled before age 6, and isn't covered at all if enrolled at 6 or older.
Cured pre-existing conditions
Pre-existing conditions are not covered, even if cured.
Eligibility
New policies up to age 13. Minimum age 8 weeks. Sold in every state.
Multi-pet discount
None offered.
Underwriter
Chubb companies (ACE American Insurance Company, Westchester Fire Insurance Company and affiliates)

Good to know

  • Unlimited annual limit option
  • Alternative care included at no extra cost
  • Can pay the hospital directly for approved claims on expensive procedures
  • Coverage doesn't change as your pet ages or makes claims

Watch out for

  • Vet exam fees are NOT covered
  • Dental limited to accidental injuries
  • 15-day waiting period applies to accidents too
  • Hip dysplasia not covered if enrolled at age 6+
  • Maximum enrollment age varies by state (generally pets under 14) — confirm on a quote

Sources

Common questions

Does Healthy Paws cover vet exam fees?

No. Vet exam fees are not covered by the policy.

How much does Healthy Paws reimburse?

70%, 80%, 90% of eligible costs after the deductible. Annual deductible, met once per policy term. The deductible and reimbursement options offered depend on your pet's age at enrollment.

Is there an annual limit with Healthy Paws?

Choose a $5,000, $7,000 or unlimited annual limit.

Does Healthy Paws cover dental?

Only teeth injured in an accident (extraction or reconstruction). Dental disease and cleanings are not covered.

What are Healthy Paws's waiting periods?

Accidents: 15 days; illness: 15 days; orthopedic/cruciate: 12 months. 15-day wait for accidents and illness. Hip dysplasia has a 12-month wait if enrolled before age 6, and isn't covered at all if enrolled at 6 or older.

Does Healthy Paws cover pre-existing conditions?

Pre-existing conditions are not covered, even if cured.

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