Is Healthy Pets Pet Insurance Worth It? Reviews 2025

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At HelloSafe, our pet insurance expert reviews the terms and pricing of policies available in the market every year to provide you with a reliable and impartial analysis. Thanks to this careful approach, hundreds of thousands of users across the UK trust us each month to guide them on their most important financial decisions.

Healthy Pets Warranties

Healthy Pets stands out by offering a broad spectrum of pet insurance solutions: from highly affordable "Accident Only" cover, focusing purely on accidental injuries, up to "Select Plus", which includes illness, accident and additional services, with vet fees limits ranging from £1,000 to £7,500 depending on the option selected. On both tiers, reimbursement rates and excesses depend on your policy's schedule, but dog liability cover is always up to £1 million, and Select Plus significantly expands travel, alternative therapy, and support services (such as death benefit and kennel fees).

Select Plus is distinguishable for its inclusion of dental care for accidents, broader specialist treatment (CT/MRI), up to £1,500 per year, and overseas annual cover, though limits per condition remain relatively modest compared to “premium” UK competitors. Prevention, general dental, routine treatments, cremation and hereditary or pre-existing conditions are always excluded, so those seeking extensive wellness or total-care packages should review the exclusions closely.

Healthy Pets’ strengths are flexibility, the clarity of exclusions and the speed of claims, but limits on dental and preventive cover, plus relatively low claim ceilings on entry-level plans, are notable drawbacks for some owners wishing “all-round” protection.

Good to know

Other tiers with higher vet fee caps (£4,000–£7,500) and Maximum/Lifetime products are available—always check your chosen plan’s limits and exclusions.

For "Accident Only," multiple accidents are covered separately but each capped at £1,000/12 months; for Select Plus, each condition is capped per year and billing resets on renewal, but bilateral conditions (e.g., both knees) are not paid twice.

No plan covers hereditary or pre-existing conditions, routine/preventative care, or non-prescribed treatments.

Compare Healthy Pets’ plans and limits with other UK pet insurers to ensure you get the best value for your needs.

Healthy Pets exclusions

Healthy Pets stands out with strictly defined exclusions, most notably by systematically excluding any treatment related to illnesses in their "Accident Only" policy—disease coverage is entirely omitted even for long-term claims. Beyond common market exclusions such as pre-existing conditions, routine/preventive care, and unprescribed treatments, Healthy Pets denies any reimbursement for dental treatment except in emergencies, as well as CT/MRI scans (unless covered in higher tiers), putting them just outside the norm for comprehensive policies.

Their geographical restrictions are especially firm on Accident Only, disallowing cover outside of the UK, Channel Islands, and Isle of Man, while even Select Plus only allows 30 days per year within the EU. Cover is voided for dangerous breeds or any incident connected with professional activity, competition, or failure to meet legal obligations such as vaccinations.

Finally, all policies feature short waiting periods after inception (48h for accidents, 10 days for illness), and co-payments can be cumulative over consecutive policy years for ongoing claims—this approach to shared excess is stricter than many UK competitors.

Healthy Pets rates

Overall, Healthy Pets positions itself as a competitively priced digital-first provider, favouring cost efficiency vs. traditional, less automated insurers.

Guarantees and annual limits on core formulas such as Accident Only or Select Plus are adequate, yet remain relatively restrictive compared to the most premium players offering higher reimbursement ceilings and broader health prevention benefits.

Franchises (excess) and co-payment levels are in line with the UK market average, allowing Healthy Pets to balance affordable premiums with moderate “out of pocket” costs for policyholders.

Additional coverage for chronic or recurring illnesses and value-adds like extensive travel or dental wellness are more limited at entry and mid-range levels, which may not appeal to those seeking maximum protection.

Healthy Pets thus sits in a median-to-competitive position: well-suited to price-sensitive owners seeking reliable essentials, but with less ambition in ultra-comprehensive, high-limit segments.

Compare offers from several providers to ensure you benefit from the best rate and appropriate coverage level for your pet.

Healthy Pets promo codes

How much will I be reimbursed with Healthy Pets?

Here’s how Healthy Pets reimbursements work: after your pet receives treatment, you pay the vet as usual. Then, Healthy Pets repays you (or your vet directly, if agreed) according to the coverage limit, after applying the annual excess and the appropriate reimbursement percentage. Below are realistic UK examples based on the most comprehensive Select Plus policy (£2,000 annual vet fee limit, typical annual excess of £99, 90% reimbursement rate after excess):

Example 1: Veterinary fees for a dog's ear infection

Total vet bills: £320 (consultation, ear swab, medication)

Annual excess: £99 (due once per insurance year)

Claimable amount after excess: £320 – £99 = £221

Reimbursed by Healthy Pets (90%): £221 × 90% = £198.90

👉 You receive £198.90 back from Healthy Pets.

ℹ️ The £99 excess applies only once per policy year, so future claims in the same year are not subject to another excess, just the reimbursement rate.

Example 2: Cruciate ligament surgery for a dog

Total vet bills: £1,950 (surgery, anaesthesia, two-night hospitalisation, follow-up checks)

Annual excess remaining: £0 (already paid on a previous claim this year)

Amount claimable: £1,950

Reimbursed by Healthy Pets (90%): £1,950 × 90% = £1,755

👉 You receive £1,755 from Healthy Pets.

Annual limit remaining: £2,000 limit – £1,950 = £50 left this year.

ℹ️ Select Plus covers up to £2,000 per insurance year for vet fees. Maximum coverage is available per condition, within this annual total.

Example 3: Alternative therapy (acupuncture) following an injury

Total complementary therapy cost: £350 (accredited veterinary physiotherapy and acupuncture sessions)

Annual excess: £0 (previously paid for the year)

Reimbursed by Healthy Pets (90%): £350 × 90% = £315

👉 You receive £315 for your pet’s alternative therapy.

ℹ️ Select Plus covers up to £750/year for complementary treatments, part of the overall £2,000 vet fee annual limit. Alternative therapy must be recommended by a vet and carried out by an approved practitioner.

By choosing a comprehensive plan like Select Plus, your out-of-pocket expenses after an unexpected illness or injury are significantly reduced—giving you peace of mind and the freedom to provide optimal care for your beloved pet!

Healthy Pets Assistance

Healthy Pets enables direct vet payment upon agreement, with policyholders responsible for excess and co-payment, which may ease cash flow but is not automatic or guaranteed.

Monthly instalments are available, reflecting a standard UK market offer, yet no 0% split payment or specific short-term credit options are mentioned.

There is no dedicated mobile app; digital claims are submitted via an online form, and users report a straightforward but basic digital process.

No 24/7 emergency vet helpline, teleconsultation or affiliated clinical network is provided, potentially limiting out-of-hours or remote assistance options.

Overseas cover is limited: only Select Plus and above cover up to 30 days in the EU, with Accident Only policies excluding any care outside the UK, Channel Islands and Isle of Man.

Customer feedback on Healthy Pets

We have analysed the customer reviews from the site above. On the positive side, customers who have insured their pets with Healthy Pets commonly highlight:

• An efficient and responsive customer service: policyholders frequently mention helpful, knowledgeable, professional, and patient staff who are easy to contact and provide clear answers.
• A quick and straightforward signup process: the simplicity and speed of arranging cover, including the clarity of online forms and documentation, are often praised.
• Good value for money: pricing is regularly described as competitive and attractive for both new policies and renewals, with some clients negotiating better renewal rates.
• A smooth and generally stress-free claims process: several customers report fast, uncomplicated claims handling and appreciate the staff’s empathy and understanding, particularly during difficult periods.
• Clear policies and flexibility: policy documents are considered clearly explained, with options for multi-pet cover and pre-existing condition handling clarified from the outset.

On the negative side:

• A dissatisfaction with claims payout amounts: some customers complain that the amount reimbursed for claims, especially for costly treatments, was significantly less than expected.
• Communication and transparency issues: a minority mention disappointment with explanations provided during claims handling, especially when a claim is disputed or partially reimbursed.
• Occasionally steep renewal price increases: certain policyholders report renewal offers rising more quickly than anticipated, though some say these concerns were negotiated successfully.
• Perceived broker role: at least one reviewer criticises Healthy Pets for allegedly acting more as a broker than a direct insurer, leading to confusion over claims responsibilities compared to direct competitors.
• Experience gaps compared to leading competitors: isolated feedback favours other pet insurance providers (such as Petplan) in areas like claims approval and overall communication.

How to contact Healthy Pets?

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Charlotte Green

Finance content specialist

Charlotte is a finance content specialist with a sharp analytical mind and a strong academic background. She holds a degree in Philosophy, Politics and Economics (PPE) from the University of Oxford and a Master’s in Behavioural Economics from the London School of Economics. Her academic training gave her the tools to make sense of complex financial systems—and to explain them in a way that’s both smart and relatable. Before joining HelloSafe, Charlotte worked in editorial roles for financial media and strategy firms, where she focused on personal finance, digital banking, and policy analysis. She is passionate about helping people make informed decisions about their money, especially in an age where the financial landscape is changing fast. At HelloSafe, she covers key topics such as insurance, tax, utilities, credit and budgeting tools. Her mission: provide clear, honest and actionable insights that empower readers to take control of their financial lives with confidence.