Healthy Paws Pet Insurance
Healthy Paws is a monthly pet insurance membership, not a free trial.
Exit grade D: There is no self-serve online cancel. Healthy Paws asks you to cancel by regular mail, fax, email, or verbally over the phone, so leaving means contacting them directly.
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Healthy Paws Pet Insurance: Healthy Paws is a monthly pet insurance membership, not a free trial. A credit card is required to start. Cancelling is hard - about 15 minutes. Our take: Healthy Paws is the pick for an owner who wants the simplest possible unlimited plan and won't ever file a wellness claim.
Last verified: July 25, 2026
On healthypawspetinsurance.com
Our take
Healthy Paws is the pick for an owner who wants the simplest possible unlimited plan and won't ever file a wellness claim. There's just one accident-and-illness plan, but it has no annual, per-incident, or lifetime payout cap. That's rare. And it's genuinely valuable if you're dealing with a serious ongoing condition. But the trade-offs are real. There's no wellness or routine-dental option at all. Older pets run into enrollment limits on deductible and reimbursement choices. And cancellation isn't self-serve - you have to contact them to leave. Track your renewal here and we'll send a reminder before each one, so nothing surprises you.
Healthy Paws at a glance
| Accident and Illness plan | |
|---|---|
| Typical monthly premium | Dogs about $25 to $90, cats about $15 to $40, varies widely |
| Reimbursement options | Commonly 50% to 80%, options depend on pet age |
| Annual deductible | $100, $250, $500, $750, $1,000, $1,500, $3,000, or $5,000 |
| Annual payout limit | Unlimited (also $5,000 or $7,000 options) |
| Waiting periods | 15 days accident and illness, 12 months hip dysplasia |
| Wellness / preventive | Not offered at all |
| Key exclusions | Pre-existing conditions; all routine and dental care |
| Cancellation | Mail, fax, email, or phone - no self-serve online |
Researched July 2026. Premiums vary by species, breed, age, and ZIP - honest ranges, not a quote.
What you get
The Healthy Paws Pet Insurance Accident and Illness (single plan, unlimited limit) plan
Included · 5
One accident and illness plan with no per-incident, annual, or lifetime payout limits
Coverage for accidents, illnesses, hereditary and chronic conditions, diagnostics, surgery, and prescription medications for covered conditions
Your choice of annual deductible and reimbursement rate at enrollment (options narrow for older pets)
A mobile app for filing claims with photos of your vet bill
A giving-back model that donates to homeless-pet organizations
Worth knowing
Pre-existing conditions - excluded, as with every carrier
Any wellness or preventive care - there is no wellness add-on, and routine dental cleaning is not covered
Coverage during waiting periods - 15 days for accidents and illness, and 12 months for hip dysplasia
Exam or office-visit fees in some cases - check the policy for your state
A flat premium - rates rise with age and vet-cost inflation, and are not grandfathered
The honest data
By the numbers
- Pricing
- Healthy Paws is a monthly pet insurance membership, not a free trial. It keeps things deliberately simple: one accident-and-illness plan, no per-incident or lifetime caps, and no wellness add-on at all. Premiums vary by species, breed, age, and ZIP, so treat any figure as a starting point. Researched July 2026: dogs typically run about $25 to $90 a month (often $55 to $65 for a mixed-breed adult at 80 percent reimbursement and a $250 deductible) and cats about $15 to $40 a month. You pick your annual deductible and reimbursement rate at enrollment, and your annual limit is Unlimited (with $5,000 and $7,000 options available). Healthy Paws does not grandfather rates, so expect premiums to climb as your pet ages.
- Card required
- Yes
- Cancellation
- Hard
- Time to cancel
- ~15 min
Around the web
What others say about Healthy Paws Pet Insurance
Curated outside takes. We don't edit them, we just point at them.
At a glance
2 reviews from 2 sources
Topline: Mixed
1 positive1 mixed
Our read across dimensions
- Product quality
- Value
- Cancellation
- Honest billing
- Customer support
Reviewer
U.S. News
Healthy Paws Pet Insurance Review for 2026
“Praises the simple unlimited-limit plan and claims handling, while flagging the lack of any wellness coverage and enrollment limits for older pets.”
Independent editorial review; details summarized from the piece.
Read on usnews.comReviewer
NerdWallet
Healthy Paws Pet Insurance Review
“Notes the straightforward unlimited coverage and no add-on clutter, and that premiums are not locked and rise as a pet ages.”
Independent editorial review; sentiment summarized from the piece.
Read on nerdwallet.com
Cancellation guide
How to cancel Healthy Paws Pet Insurance
Documented · ~15 min
- 01
Gather your policy number before you contact them
- 02
Cancel by emailing customer care, calling to cancel verbally, or sending regular mail or fax - there is no online cancel button
- 03
State the date you want coverage to end
- 04
Ask for written confirmation of the cancellation and any pro-rated refund of premium you already paid
Full guide: how to cancel Healthy Paws Pet Insurance
Healthy Paws Pet Insurance free trial - frequently asked
- How much does Healthy Paws Pet Insurance cost?
- Healthy Paws is a monthly pet insurance membership, not a free trial. It keeps things deliberately simple: one accident-and-illness plan, no per-incident or lifetime caps, and no wellness add-on at all. Premiums vary by species, breed, age, and ZIP, so treat any figure as a starting point. Researched July 2026: dogs typically run about $25 to $90 a month (often $55 to $65 for a mixed-breed adult at 80 percent reimbursement and a $250 deductible) and cats about $15 to $40 a month. You pick your annual deductible and reimbursement rate at enrollment, and your annual limit is Unlimited (with $5,000 and $7,000 options available). Healthy Paws does not grandfather rates, so expect premiums to climb as your pet ages.
- How do I cancel Healthy Paws Pet Insurance?
- To cancel Healthy Paws Pet Insurance: 1. Gather your policy number before you contact them; 2. Cancel by emailing customer care, calling to cancel verbally, or sending regular mail or fax - there is no online cancel button; 3. State the date you want coverage to end; 4. Ask for written confirmation of the cancellation and any pro-rated refund of premium you already paid. It takes about 15 minutes and is rated hard to cancel.
- Do I need a credit card for the Healthy Paws Pet Insurance trial?
- Yes - Healthy Paws Pet Insurance requires a credit card to start the free trial, so note when it converts to a paid plan.
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