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Healthy Paws Pet Insurance Review

3,306 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.

How is Healthy Paws rated?

Breakdown

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

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
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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3306 Customer Comments & Reviews

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Tim E

1/18/2025
As pet owners, we all want the best for our furry companions, and for us, that includes making sure our dog is covered in case of unexpected health issues. Our eight-year-old chocolate lab is a beloved member of our family, and thanks to Healthy Paws Pet Insurance, we've been able to focus on his care rather than worrying about the financial side of things. We've had to use our Healthy Paws coverage twice over the years, and both experiences have been nothing short of exceptional. Their customer service team is friendly, knowledgeable, and always willing to go the extra mile. In both instances, they quickly verified our coverage and provided us with much-needed reassurance about what... Read More


Sarah B

1/13/2025
Healthy paws consistently reimburses in a timely manner. In the 9 years that I've been with them, they've never denied a claim that should be paid and claims a typically paid within days. Additionally, monthly charges go up as the pets age, but the rates have never increased because of the numbers of claims. Highly recommed!


S
stuart l

1/9/2025
This company pays claims very quickly and fairly. They also seem to care about my dog.


roseberryberet

1/8/2025
Healthy Paws Pet Insurance has been an absolute lifesaver for us and our boy, Hank. They’ve supported us not once, but twice during incredibly scary times when Hank needed unexpected surgeries. The stress of seeing him unwell was hard enough, but Healthy Paws made the financial side so much easier to handle. Their claims process was seamless, and we received reimbursements quickly, which allowed us to focus entirely on Hank’s recovery. We’re so grateful for their support and peace of mind. If you’re a pet parent, we can’t recommend Healthy Paws enough—they’ve truly been there for us and Hank when we needed them most!


jjblak39

1/7/2025
Healthy Paws have been prompt and professional from the start. I have 2 dogs with serious issues and I don’t know if I would have been able to treat them without Healthy Paws by our side. Thank You!


R
Rhonda J

1/7/2025
Healthy Paws has been my pet insurance of choice for over 10yrs. My dog has had to have 2 surgeries in her 11yrs, filing a claim is super easy and they are always quick to process them. I feel confident referring friends to Healthy Paws.


moeincfl

1/7/2025
Beware. They do NOT. care about you. I was with them 7 years and they canceled my policy and now asking for double what I paid with 30% less coverage since my dog is now older(still 8 years young). This is the worst situation to be in and never thought these people I’ve been faithful to would do this to me and my pet. Please look at other options.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
We realize there are times a policyholder's credit card used on the policy could be lost, compromised by fraud or that there may be a change in bank accounts, expiration date, etc. When an account goes into suspension due to the fact that we are unable to bill the card on file, we make every effort to keep policyholders up to date and informed about the status of their accounts and any upcoming action/changes. Multiple notices are sent via email, and a Notice of (upcoming) Cancellation is sent out via regular post as well. There is also an automatic grace period that is taken into account. However, at a certain point, and at the end of the grace period, if we do not hear back from the primary account holder (prior to the cancellation effective date) the account must be canceled. In order to be equitable to all enrolled pet parents, we cannot make any exceptions to this policy. As you stated in your review, a new enrollment will be based upon a pet's current age. We're sorry to lose you as a policyholder and hope you and your pet stay well. The Healthy Paws Team

amyrgold

1/6/2025
One hopes never to need to rely on pet insurance, but when the situation arises it is important to know that the company you chose is honest, reliable, dependable and caring about your pet. Healthy Paws is such a company. They have been there for me every step of the way when our dog required unexpected back-to-back surgeries. Their rates are reasonable, their response to questions is swift and their reimbursements are prompt. Furthermore, the process from start to finish is made clear and easy on the Healthy Paws website. We have been subscribers to Healthy Paws for 8 years and they have stood behind their promise throughout.


nyronni

12/18/2024
I can't tell you how happy I am that I purchased insurance on my fur baby from Healthy Paws. For a very modest monthly cost, they have paid thousands of dollars when she needed surgery and other services. Their response time is amazing! It really helps when you're worried about your pet, that you don't need to worry about how to pay for it. It was one of the best investments I've made.


mettrack1

12/15/2024
Since we got Healthy Paws insurance for our dog at age 3 (she is now 10) she's developed epilepsy and now lymphoma. Healthy Paws has covered everything they said they would with no delay or arguments. I receive payment within a week of submitting claims. Without the cancer treatment she has been receiving, she would no longer be here. We are very grateful to be able to have more time and memories with her. One note about cost. It does go up every year but is not pegged to how much you use it. At 90% coverage, $500 deductible, and 10 years old, our monthly cost will be $219.28 per month next year. This past year it was $152.51.



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