Healthy Paws rating: 3 out of 5 stars Healthy Paws pet insurance offers good basic coverage, but has gaps such as dental illness and the vet’s exam fee. You’ll get coverage for treatment with alternative therapies such as acupuncture, chiropractic, hydrotherapy, massage, herbal therapy, homeopathy, physical therapy, and laser therapy. Healthy Paws also stands out for its ability to pay the vet directly, although you and the vet will need to take action: You have to make a request for direct payment in a ...