Healthy Paws does not cover exam fees, even if a condition is otherwise eligible for coverage. The Healthy Paws plan also does not cover wellness care, behavioral issues, dental illnesses or prescription food

With Complete CoveageSM, exam fees, behavioral issues, dental illnesses and prescription food are all covered as standard. We also offer three preventive care options to help you provide your pet’s annual exams, vaccines and flea/tick medicaiton.

Example Monthly Cost*
Healthy Paws
Complete CoverageSM
$10,000 Annual Limit:
Single Plan:
Healthy Paws Pet Insurance
Reimbursement Choice of 90%, 80% or
70% of covered vet costs
90%, 80% or 70% of covered vet costs, minus exam fees; pets age 8 and older only eligible for 70% reimbursement
Type of Deductible Annual Annual
Unlimited Plan Available Yes Yes
Illness Waiting Period 14 Days 15 Days
Accident Waiting Period None 15 Days
Preventive Care Optional add-on No
Coverage Includes:    
Exam Fees Yes No
Lab Tests, X-rays, Hospitalization, Surgery, Diagnostics, etc. Yes Yes
Prescription Medications Yes Yes
Hereditary and Congenital Conditions Yes Yes, though pets enrolled after age 6 are not eligible for hip dysplasia coverage
Alternative Therapies Yes Yes
Behavioral Issues Yes No
Dental Illnesses Yes No
Chronic Conditions Yes Yes
Specialists Yes Yes
Stem Cell Treatments Yes No
Prescription Food & Supplements
To treat a covered condition (not for general maintenance or weight management)
Yes No
Microchip Yes No
No Vaccination Requirements for Coverage of Certain Conditions Yes No
Multiple Pet Discount 10% for each additional pet No
Age Limits for Illness Coverage Enrollment

This is the age at which illness coverage is no longer available for new enrollments. Typically, a pet’s plan won’t be cancelled because of age.

None Dogs: 14
Cats: 14
All Pets Eligible, Regardless of Health Yes Yes
Accident-Only Plan Available for All Pets Yes No
Money Back Guarantee 30 Days 30 Days
Experience The agency that provides ASPCA Pet Health Insurance was founded in 1997. Healthy Paws started selling plans in 2010.
Better Business Bureau Rating A+ A+