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Healthy Paws Pet Insurance Review

3,292 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 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
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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3292 Customer Comments & Reviews

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Vipul

4/25/2017
Where to begin. First and foremost, Healthy Paws genuinely seems to care about my dogs health and has always followed up with me to check in on the status of my dog when taken in to the vet. However, the 5 star rating is a result of more than just honest caring. At a time when my dog gets sick or hurt, the last thing I want to worry about is cost of care. And after having Healthy Paws insurance for my dog since he was 8 weeks old, I have learned that I no longer need to. Unfortunately, my dog has had his fair share of bites, illness, etc. and EVERY SINGLE TIME, healthy paws has reimbursed me for the amount as indicated in my policy. Doesn't sound like they went above and beyond, but... Read More

K
Kpat

4/25/2017
Our young dog decided to eat a bottle of children's advil (it was closed, he managed to open it), and then 2 months later, a pile of rags. For the first snack, we had to induce vomiting and he had a week of IV fluids and veterinary care. For the second snack, he ended up with 2 major abdominal surgeries (they didn't get everything on the first try). We weren't sure what Healthy Paws would reimburse us for, but they paid for 80% of everything after we met our deductible. It was a huge relief to us financially, and we are so pleased we decided to insure him when he was young!

T
Tiffany

4/25/2017
We have been with Healthy Paws for over 5 years and I have never regretted my decision to insure my pets. I have peace of mind that I will not have to choose between getting treatment, doing nothing, or worse when it comes to the welfare of my furbabies! Our 4-year old Staffie, who we adopted two years ago, is in the process of having TTA surgery on both of his hind legs due to torn CCLs, about $6,000 total for both surgeries. After submitting the first round of medical records and invoices, I called Healthy Paws to let them know he would be getting surgery. The rep on the phone was very patient and reviewed his record with me during the initial call. She let me know that the surgeries... Read More

J
Jackie D

4/24/2017
5 Stars for Healthy Pews Pet Insurance!! By far the best pet insurance I have had my dogs insured through. I have used 2 other companies and Healthy Paws has had the best coverage and reimbursement level. My dog just had TPO surgery (triple pelvic osteotomy) for hip laxity. This was my first claim and within 1-2 days of sending all needed information and claim form I received the explanation of benefits showing what my total reimbursement would be (90%). The payment was in by mail box a short time after that. I cannot recommend this company enough!!! If you have thought about insuring your pets, this is the company I would recommend....hands down!!!

K
krystina f

4/24/2017
Nothing hidden. My $250 deductible and then they covered 80 and I covered 20. Having insurance in general made it so easy to tell the doctor to move forward with our pug's pancreatitis Then, as our first instance using our insurance, I am so glad I did my research and chose Healthy Paws. The app's claim process is user friendly, they are in contact with me making sure Bullitt is doing better, and they processed the claim as soon as I sent it in. I am very happy with their service. Happy Pug mom.

Z
Zulia l

4/24/2017
We want to thank Healthy Paws for the quick and efficient way they handled our claim.Our dog Mimi is a big part of our family and we are very happy we picked the best insurance for her.Our experience in the past with another company Trupanion was very bad.We are very pleased and would highly recommend Healthy Paws to anyone looking for insurance. 😊

M
Melissa B

4/24/2017
Healthypaws has been straightforward, responsive, and supportive. I enjoy having peace of mind, knowing that I will never have to make hard decisions related to my dogs' medical care, driven by financial worries.

Carol S

4/23/2017
I have my 3 dogs insured with Healthy Paws. I recently had an emergency with my oldest dog while I was out of state. I can't say enough about the quality of service from this company! They process claims very quickly, reimbursement is within weeks and their customer service is excellent.

P
Pudgee a

4/23/2017
I have used 2 pet insurance companies in 10 years and Healthy Paws is the best for me. Affordable and prompt payments on all my claims. No limit on claims or incidents. I recommend Healthy Paws to all my pet parents. More power Healthy Paws and thank you for always being there for my 2 furbabies

W
Warren A

4/23/2017
After a discussion with a fellow dog owner about the rising costs of dog medical care, we decided it was time to get health insurance for our dog last July (after having 3 prior dogs with no insurance coverage over a 30 year period!). After research via internet and reading reviews, we thought Healthy Paws was the right choice. We were so right!! Our dog has had some minor health issues (costs were reimbursed after our deductible) but recently our dog tore her ACL's in both hind legs after chasing squirrels( like most other dogs do!). This was a major injury requiring expensive surgery which Healthy Paws Pet Insurance has covered.They continually follow up with us to see how she is... Read More

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