Healthy Paws

Why it is listed

Healthy Paws sells a single accident-and-illness product. You pick deductible, reimbursement rate, and an annual limit that can be unlimited. The brand (Chubb-affiliated in trade coverage) says most claims process in two days. It is not a wellness product. New customers should read the current policy: older 'always unlimited' marketing is outdated.

Pros & cons

Pros

• Official FAQ: choose $5,000, $7,000, or unlimited annual reimbursement at enrollment (unlimited cannot later be increased if you pick a cap).
• Official coverage page: up to 90% reimbursement and a 'most claims are processed in 2 days' statement.
• Accident & illness includes hereditary/congenital, cancer, and alternative care as described on their coverage page.

Cons

• No wellness or accident-only plan on the official product pages we used.
• NerdWallet’s 2026 review says sick-exam fees, behavioral therapy, and prescription food are not covered — we treat exam-in-base as not verified on the insurer’s own coverage page.
• No public starting monthly premium; price is quote-only.

Score breakdown