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r/CatAdvice🐱Apr 23, 2026
Healthy Paws
Unlimited coverage, no payout caps
Comprehensive
Est. monthly (dog)
~$48/mo
Est. monthly (cat)
~$35/mo
Reimbursement
70%, 80%, 90%
Annual deductible
$100–$500
Annual max
Unlimited
Age range
Under 14 years
Illness wait
15 days
Accident wait
15 days
✗ No coverage for pre-existing conditions
Praised for
- ✓No annual, lifetime, or per-incident payout caps
- ✓Covers hereditary, congenital, and alternative care
- ✓Free 24/7 Airvet virtual vet included
Watch out for
- ✗Exam fees not covered
- ✗No wellness or preventive care plan
2 Reddit posts
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r/CatAdvice🐱Feb 22, 2026
Paying too much for insurance?
I got insurance for my older cat, a now 10 year old indoor only domestic long hair, several years ago at 80%/$250 and just realized the cost for this level of coverage has crept up to almost $190 a month as he's gotten older. Dropping the coverage to 50 or 60% reimbursement with a $1000 deductible, which are the only updated options Healthy Paws is now offering for him, would cut the monthly payment almost in half, but that's still around $100/mo. $190/mo seems like a bit much for pet insurance, but I'm not sure I want to drop his coverage by that much, either.