Overview
Healthy Paws has only one plan: accident and illness coverage with unlimited annual benefits, no per-incident caps, no lifetime caps. You pick your deductible ($100-$500) and your reimbursement rate (50%-90%), and that's the whole decision tree. There's no add-on wellness plan, no extra modules, no upsell — and that's the point.
Where Healthy Paws shines is claim processing. Submit a vet bill through the app, get a decision in days (often hours for routine claims), reimbursement direct deposited a few days later. Independent customer satisfaction surveys consistently rank them at or near the top for the pet insurance category. For Long Island vet visits — which can run $2,000-$8,000 for an ER trip — that turnaround matters.
The deliberate simplicity is also the main drawback. There's no wellness add-on, so vaccinations, dental cleanings, and routine exams come out of your pocket. There's no exam fee coverage. There's no dental illness coverage in most states (only dental injury), which can matter for older small breeds. If you're someone who wants to bundle preventive care into a monthly bill, Healthy Paws isn't built for you.
Owners who want one simple plan with no annual cap and don't care about wellness add-ons.
✓ Strengths
- →Truly unlimited annual coverage — no caps anywhere
- →Fast claim processing, well-regarded by customers
- →Simple single-plan structure — no decision paralysis
- →Covers hereditary and congenital conditions
- →Direct deposit reimbursement
⚠ Drawbacks
- →No wellness/preventive add-on available anywhere
- →No exam fee coverage
- →Dental illness not covered (dental injury only)
- →Enrollment age caps for some breeds (typically 14)
- →Long orthopedic waiting period (12 months) hurts new puppy owners
Pricing on Long Island
Long Island ZIPs trend toward the higher end of these ranges. Boroughs of NYC sometimes cheaper due to formula quirk.
Plan structure
What's covered
Our take
Skip Healthy Paws if: Owners who want bundled wellness coverage, older dogs with existing orthopedic issues, exotic-pet owners.
Pick Healthy Paws if: New puppy owners enrolling within the first 14 days of adoption, anyone who wants the simplest possible plan, owners worried about catastrophic medical bills.
Fine print to know
- Bilateral conditions: if your dog has had a torn ACL on one knee before enrollment, the other knee is excluded too.
- Pre-existing conditions not covered — review records carefully before enrolling.
- Annual deductible resets January 1 of each calendar year.
Get a real quote for your pet
Pricing varies by breed, age, and ZIP. Always quote on the carrier's own site.
Visit Healthy Paws →We don't take commissions from insurers. This is an independent review.