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Healthy Paws Pet Insurance Review

3,326 Customer Comments & Reviews - see all comments
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Healthy Paws is a pet insurance company based in Washington state that provides coverage for cats and dogs. They are underwritten by Chubb Group, a consistently highly-rated insurer.

Healthy Paws offers an industry-leading suite of policies that include unlimited lifetime benefits, high reimbursement, affordable coverage, and top rated customer service.
 
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How Do We Rate Healthy Paws?

Breakdown

4.5/5
Coverage
4.0/5
Cost
4.0/5
Extras

Our Overall Rating: 4.4 / 5 (Excellent)

Healthy Paws ranks highly among the pet insurance companies we've reviewed. The company offers a single pet insurance plan with multiple reimbursement options, comprehensive coverage for alternative therapy and no caps of any kind.

Reimbursement is based on the cost of your actual vet bill and there is no limit as to the type of or how many claims you can make for covered conditions. Healthy Paws provides all of this at the same or sometimes lower prices than less comprehensive plans.

Healthy Paws Coverage

Coverage - 4.5 / 5

Compared to other pet insurance providers, Healthy Paws offers the most comprehensive coverage and does so without any caps or limits. Policies cover all accidents and illnesses without restrictions for hereditary or congenital conditions.

The company also includes services like advanced testing, surgeries, hospital stays, and prescription medications, as well as alternative therapies and emergency care.

Healthy Paws does not have a wellness plan, but they will treat canine hip dysplasia if it is not a pre-existing condition.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care

Benefit Limits

Benefit Limits - 4.5 / 5

Where Healthy Paws really asserts its dominance is in benefit limits. Regardless of the plan you choose, there are no caps on coverage, either annual, lifetime, or per incident.

Generally speaking, other companies offer unlimited benefits as an option available only for their highest level and most expensive plans. This is not the case with Healthy Paws; it is included in their standard price plan.

As long as the condition or treatment is covered under the plan (very few restrictions do apply) there is no limit to what the company will pay to make your animal well.

One Healthy Paws customer reported to us that the company recently paid out over $18,000 on a $20,000 vet bill in order to save the life of a dog suffering from cancer. More recently, another customer wrote, "I have a six-year-old German shepherd. Unfortunately, he already has had more than his share of problems, from herniated discs to cancer. Healthy Paws has not given me any hassle or trouble, even though his expenses to date are approaching $40,000. This was by far the best financial decision I have ever made."
Benefit Limit Types
Unlimited

Reimbursement & Deductibles

Reimbursement - 4 / 5

As with deductibles, Healthy Paws is in line with the industry's best companies by allowing you the flexibility of customizing your reimbursement percentage as well.

You can select either 70%, 80%, or 90% at the outset of your policy. Healthy Paws reimbursement is based on the actual veterinary bill.

The company will compile all covered treatments for a given claim and pay your chosen percent after you've met the deductible. As with low deductibles, high percentage payouts are going to equal a more costly monthly premium.
In general, Healthy Paws pays on a reimbursement model. Policyholders pay the vet up front for treatment, submit their claims to Healthy Paws, and receive a reimbursement. However, in situations where pet owners can't pay their vet at the time of treatment, they have the option of contacting Healthy Paws and asking them to pay the vet directly. If the veterinary hospital is willing to accept payment from Healthy Paws, the insurer can work directly with it to expedite access to medical records and claim processing. This direct payment option is available on a case-by-case basis and applies to treatment by any licensed vet in the United States. It is not limited to any specific network of vets.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
70%
Maximum Percent Reimbursement
90%

Deductibles - 4.5 / 5

Like all the best pet insurance companies, Healthy Paws allows you to customize your deductible to best suit your financial needs.

Values can be set at $100, $250, and $500. Lower deductibles do result in higher premiums. But many customers will appreciate the flexibility Healthy Paws offers.
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$500

Pricing: How much does Healthy Paws cost?

Cost - 4 / 5

Considering the few benefit limits Healthy Paws imposes and the company's customizable payout percentages and deductibles, Healthy Paws plans are reasonably priced and even cheaper than less substantial plans.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$32.83
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$17.19
Rate Details: Annual Deductible: $500, Benefit Cap: Annual & Unlimited, Reimbursement Model: 70% of Annual Cost
Available Discounts:

Enrollment & Waiting Periods

Enrollment - 5 / 5

Healthy Paws enrolls pets 8 weeks and older. While some companies have no upper age enrollment restrictions, Healthy Paws limits coverage to pets 13.99 years old and younger.

Some companies offer accident coverage immediately upon premium payment. Healthy Paws imposes a 15-day waiting period for accidents and illnesses.

The waiting period for hip dysplasia is 12 months. Healthy Paws will not cover hip dysplasia if the pet was 6 years or older at the time of enrollment. Other companies we review have no such restrictions on hip dysplasia.

For pets younger than 6 you'll have to provide documentation of a complete physical within the last 12 months. Pets older than 6 must have had a complete examination within the last 30 days.
Min Enrollment Age
8 weeks
Max Enrollment Age
14 years
Accident Waiting Period
15 days
Illnesses Waiting Period
15 days
Free Look Period
30 days

Claims & Service

Extras - 4 / 5

Healthy Paws has a proven track record of fulfilling claims fast and with as little fuss as possible compared to other pet insurance companies.

Customer support is efficient, courteous and available 7 days a week. With Healthy Paws, you have the ability to file a claim online or through their mobile app.

You simply submit the veterinarian invoice and the company will send you the reimbursement check. 99% of claims are processed in 2 days.
Advertised Response Time
3 days
Claim Form
Email
Fax
Online Portal
Mobile App

Contact & Additional Information

Homepage URL
https://www.healthypawspetinsurance.com/
Headquarters Address
11120 NE 33rd Place, Bellevue, WA, 98004
Mailing Address
P.O. Box 50034, Bellevue, WA, 98105
Year Founded
2009

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3326 Customer Comments & Reviews

Loading Reviews ...
ajcav230

3/17/2025
🐾 A Heartfelt Thank You to Willow Grace Veterinary Hospital in Middletown DE and Pinnacle Veterinary Specialists in Glen Mills, PA 🐾 This past Sunday was incredibly tough for us. Gus was in severe pain, trembling and barely walking. Having seen something similar before, we rushed him to Willow Grace. The amazing staff there suspected it was a back issue again, but thankfully, not as severe as before. However, by Monday night, things took a turn for the worse. Gus could no longer use his back legs, was crying in pain, and we felt absolutely helpless. After a quick call Tuesday morning, the compassionate team at Willow Grace swiftly got us an appointment with a neurological specialist... Read More

1sherry.shapiro

3/17/2025
My dog was attacked by a pit bull and had several serious wounds. She required several hours of surgery but is now almost fully recovered. I had not needed to use my Healthy Paws insurance before this incident and was dreading seeing the response from my several page invoice from the wound care pet hospital. To my surprise within a short time my bill was reviewed and paid without questions to my full coverage. It was quite a relief when my focus was on my pet. My emails and calls to make sure I had submitted correctly were all handled with personal care and compassion. I highly recommend Healthy Paws as your choice for pet insurance.

wanglinlin.bit

3/16/2025
Since I had my cat from 5 years ago, I have been using Healthy Paws as the insurance provider for my fur baby. I have always had a good experience with the team and whenever my cat had a medical claim, regardless of regular doc visits or even emergency room visit, I was able to get reimbursement within a few days and the reimbursement amount is in line with the policy. Thank you soooo much for helping me take care of my fur baby!

krishna.n.jha

3/13/2025
My 8-year-old Havanese (aka "circus dog" – always jumping) lived life on easy mode… until last year. First, he got Lyme disease, then a mystery limp. Vet ran all the tests, found nothing, but the bills sure found me. Healthy Paws covered its share in a few weeks - which is reasonable given that this was his first insurance claim. Then, plot twist: orthopedist discovered that he had an ACL tear. Surgery needed ASAP. The bill? Yikes. Healthy Paws? BOOM – claim paid in 3 days! Faster than my dog can steal a treat. Pawsome service! Keep up the great work, Healthy Paws! 3 slobbery kisses from my pup! 🐶

sdjacobson

3/12/2025
We can't thank HealthyPaws enough for being there when our family most needed them. We have been HealthyPaws customers since Biscuit was 4 months old and have never been disappointed, and in all seriousness we can say you are our favorite business relationship, one of the few that does more than promised and delivers exactly what you say you will with care, empathy, professionalism and speed. Biscuit like any dog has had his exciting moments, he got a bite that got infected, he broke a paw and has had various other predictable canine troubles, and every time we needed Healthypaws to step up they have been there. Frankly human health insurance, car insurance and life insurance should be run... Read More

ldigregorio84

3/6/2025
Heathy paws is the best pet insurance out there. Quick response to emails and claims process. We received our reimbursement within a few days after claim was complete. Highly recommend thank you healthy paws!

slpdg323

3/1/2025
Healthy Paws has been my go to Pet insurance for around 12 years. They have been absolutely professional and always put my dogs health first The moment I get a puppy I sign that puppy up right away with Healthy Paws. And they have given my dogs the best end-of-life care possible. Thank you Healthy Paws!

sally.l.harney

3/1/2025
My beautiful baby, Moneypenny (10) had just visited my vet for a possible neck injury. She was sent home with A LOT of medication. She had a reaction and started vomiting and pooping blood! I took her to the emergency vet and she went to ICU for a few days then discharged. But, immediately it started happening again! Two more days ICU. Nearly $3k total in vet bills. Healthy Paws covered all the agreed procedures and medication. This is her fourth time with a $1000+ vet bill and they have come through with reimbursement within 72 hours of claim submission every time! They even emailed to ask how she’s doing. I’ll gladly keep paying!

michelegoodman

2/28/2025
I encourage anyone who has a pet to get health insurance for them. Having Healthy Paws for both of my furbabies, past and present, has been tremendously helpful in critical times. Just with any insurance, you never want to have to use it but when the time comes and it’s needed you will thank yourself for being able to take the best possible care of your pet as possible. The customer service is amazing and being reimbursed is hassle free and quick. There is no other pet insurance I would trust more. I’ve been with Healthy Paws for the past 15 years with no regrets. Also, I love how they check in on your furbabies to see how their progress is when they have been seeing the vet repeatedly.... Read More

wong.samuel00

2/28/2025
very fast response and process time. Good approach to questions too

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Rated "Best Choice Overall" by Mashable

  • No Maximum Annual or Lifetime Payouts
  • No Enrollment or Administrative Fees
  • Most Claims are Processed in 2 Days
  • Trusted by More than 625,000 Parents
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