Healthy Paws Pet Insurance review

Premiums start at $24, while the median starting premium across pet insurers is €9. On starting premium, Healthy Paws sits at position 178 of 251 brands in the comparison, so the entry price is above the middle of the field.

Monthly payments are available, and the policy runs on a monthly model. That keeps the $24 starting premium spread across the year rather than paid upfront, which suits owners who prefer smaller regular outgoings.

Claims are filed through online portal and mobile app. The online portal and the mobile app are the listed routes, so a claim starts in the app or in the browser, and the excess applied to it is $100 to $5,000.

Cover is unlimited, since Unlimited annual coverage (no annual or lifetime limit). Vet bills can run for a full year or for the life of the pet without hitting a ceiling, which matters for chronic conditions and repeated treatment. Premiums still start at $24.

The excess is $100 to $5,000, so your share of each bill depends on the level you select. A lower excess means less of the vet's fee comes out of your pocket, while Unlimited annual coverage (no annual or lifetime limit) still means there is no ceiling on the total.

Cover starts young: pets from 8 weeks to under 14 years (pet age) can be insured. A kitten or a puppy therefore joins on the same terms as an adult dog, while animals past the top of that range fall outside the policy. Pet cover is the only type listed.

Healthy Paws is an insurer rather than a broker, based in the United States. Its listed insurance type is pet, so the policy sits with the provider that carries the risk, and $24 is the starting premium on offer.

The cost part of the score is 3.6, and the overall score is 3.6. That puts price lower in the ratings than cover, since the $24 starting premium is above the pet insurance median of €9.