Many or all of the companies featured compensate us. Compensation and research may determine where and how companies appear. Learn more
  1. Home
  2. Pet Insurance
  3. Healthy Paws Review

Healthy Paws Pet Insurance Review

3,335 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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.
 
VIEW RATES

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

Our Comments Policy  |  How to Write an Effective Comment

Leave a comment for Healthy Paws Pet Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

3335 Customer Comments & Reviews

Loading Reviews ...
Erika S

11/1/2022
I had been told by vets and friends that I shouldn't get Pet Insurance because "they won't reimburse you" or "It's better to just pay out of pocket." I had also tried other Pet Insurance companies in the past and felt like they didn't cover much of anything. However, a family member of mine URGED me to specifically try Healthy Paws Pet Insurance due to his own positive experience. TRULY, one of the BEST DECISIONS I made for my two dogs. It was REFRESHING to work with an insurance company that 1) was easy to submit a claim, 2) worked SO fast. I'm talking 24 hours for reimbursement direct to my account, and 3) genuinely cared for the health and well being of my dog, who went through major... Read More

eric9204

10/26/2022
I have two dogs, one is a Wirehaired Pointing Griffon. He is a great family dog but very energetic and always getitng into trouble. I am very happy that Healthy Paws is able to provide support whenever we have needed to take Jasper to emergency vet for x-rays, or surgery, and medications. They are very quick to respond to questions, address claims, and reimbursement distribution. I would highly recommend healthy paws to anyone looking for pet insurance especially if you have at least 3-4 frequent visits to the vet for non-preventative care.

christinapshu

10/19/2022
I have a 9 year old rescue dog that has been covered through Healthy Paws since her adoption about 5 years ago. Since then she has been diagnosed with several mast cell tumors, myeloma, arthritis, and glaucoma, resulting in lots of vet visits, medications and surgeries. Throughout everything Healthy Paws has been very easy to work with in submitting a claim, quick in responding, and easy to understand in terms of what is covered and what is not. I'm so grateful to have pet insurance and Healthy Paws has saved me lots of money, and made me feel more comfortable in getting my pet the best healthcare!

S
Stacey K

10/13/2022
I have had Healthy Paws for years now. I recently had to file my first claim after my pup was diagnosed with Mast Cell Cancer and needed surgery to remove. My claim was quickly processed in a easy to use app. Healthy Paws even checked in to see how my girl was feeling after surgery. So grateful for Healthy Paws!

Laurie R

10/6/2022
I love Healthypaws pet insurance. They are reasonably priced. You can pick the amount of your deductible to make it more affordable for you. The deductible is yearly, not per incident. It is extremely easy to make a claim. The response time is quick. You just need to read the policy. They don't cover doctor's fee's or wellness visits but do cover 80% of covered expenses. My dog is being treated for her 2nd cancer diagnosis. Healthy paws has been wonderful and helps to make this treatment possible.

mgpettit5

10/4/2022
I want to thank healthypaws for the Outstanding service and loyalty to our dog, Blue. Albeit he is only 3 years old, he has had some health issues that have popped up and this insurance company has been a Blessing beyond! They are extremely easy to work with and pay very quickly with little hassle. Their communication is excellent, their service is excellent and I highly recommend Health Paws Pet Insurance. I have used others in the past and after using this company I am a forever client.

Jill B

9/29/2022
I have used Healthy Paws for over 10 years and boy has it been a life saver on our pocket book. This is the best insurance I have ever seen and the process is so easy. Just email an invoice and within a few days there is a deposit in my bank account. They are always so caring & follow up to see how our fur babies are doing after a big surgery or treatment. Such a special touch! From the first month we adopted one of our babies he needed a root canal & no issues with being compensated 90% back to now, 10 years later he is being treated for cancer and still 90% pay back of all the vet bills. So worth peace of mind and the premiums I pay to know they will be able to get the best treatment... Read More

C
Chris d

9/28/2022
Best Pet Insurer in the market We have had Healthy Paws for a couple of years for our 5 year old French Bulldog. He has had some minor issues from time to time and it has been easy and convenient to submit claims. Recently he had some breathing issues and he had to go to ER. It was found he had some internal issues and would need surgery or he could potential die from lack of oxygen. We scheduled the surgery and then submitted the invoice and details to Healthy Paws. After a quick review they reimbursed us for the covered portion of the procedure. This saved us thousands of dollars and allowed us to keep our beloved family member safe and healthy for a long time to come. I cannot... Read More

pgreenberg24

9/24/2022
There is no better pet insurance company than Healthy Paws. My pup has had his fair share of ups and downs and Healthy Paws has always been there when we needed them. The staff has always been great, the coverage amazing, and they even take the time to follow up on my golden. I will always recommend and have Healthy Paws for all my pets!

ksm0728

9/21/2022
Fantastic customer service, prompt review of claims, easy communication, best decision we made for our 4-legged family member. Definitely recommend.

Top Rated
Our Partner

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
READ FULL REVIEW >
VIEW RATES

Related to Pet Insurance

Top Articles
Suggested Comparisons