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Healthy Paws Pet Insurance Review

3,291 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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3291 Customer Comments & Reviews

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S
Sue

2/20/2017
Healthy Paws service is beyond 5 stars! Great customer service and turn around on claims reimbursement!


Leeann C

2/20/2017
We highly Healthy Paws coverage for your pets ! Most recently , out Doxie /terrier mix named Flicker had surgery for a tumor in one tear duct and a growth removed from his lower eyelid. Our claims were processed and handled on the same day ! Services are amazing ! If not for Healthy Paws , I am not sure our best little friend would be with us today ! thank you so very much , John and LeeAnn Barnes


RickandLaura V

2/20/2017
We picked a plan that worked for us and never thought we would "need" it. Well, we did and do. For the cost of one DVD a month, my pet is covered. One day into our dog's illness and our deductible was met. I simply take a picture of the bill using their incredibly easy to use app and in short time they let me know it's being processed and then another alert letting me know it is complete. Easy, fast, worry free insurance so I can concentrate on my dog!


T
Terri

2/20/2017
Shortly after obtaining pet insurance from Healthy Paws, our Labradoodle became very ill. After rushing him to the Emergency Clinic, it was determined that he had Addison's Disease and that his adrenal glands had failed. Without treatment, he would die. Throughout the week long ordeal of trips to the vet, medications, and finally, the emergency clinic, we were in contact with Healthy Paws as our medical costs were quickly mounting. They were calm, reassuring, and encouraging. Their reimbursement payments came quickly and they checked in on Buster two different times to see how he was feeling. We are so impressed with the care and concern of Healthy Paws. They truly care about the... Read More


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veronica

2/18/2017
I would recommend every pet owner to sign their pet up to Healthy Paws as soon as they hopefully adopt or buy their pet. I signed up five years ago when I adopted my first dog and have been incredibly impressed with them. I just wish my medical insurance was as good, as efficient, as easy to use, and as caring. At one point last year, I had not been to the vet in so long that for a minute I questioned the pet insurance premium. So glad I kept it as this year my beautiful, strong mutt tore her ACL and had a very expensive surgery. I was reimbursed within a week! I tried everything possible to not have to do the surgery but in the end it was 90% torn so had to go ahead with surgery.... Read More


K
katiecnolan

2/18/2017
We recently took our cat, Autumn, into the vet because she was experiencing a stuffy nose. A few x-rays and ultrasounds later it had turned into visceral lymphoma. Being only 3.5 years old we were completely shocked and devastated. It was no question at all that we were going to do everything we could for her. We had always had insurance for our pets since we had the experience of one cat eating a foreign object and requiring a $3000 surgery without insurance. After that EVERYONE got insurance! Within the first 2 weeks of treatment, Autumn's medical bill was over $12,000 and we had barely even began the uphill battle with her cancer. It is such a relief knowing that she has Healthy Paws... Read More


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sascha

2/18/2017
Having your pet in the hospital is stressful enough and the last thing you want to do is to make a decision based on a financial basis. Recently my dog got very sick and I remembered I had him insured with healthypaws. I called them and asked about my coverage. All was good. The costs maxed out my credit card and i asked if they could help me with prioritizing my claim. Took 2hrs to be filed and 6 days to receive the check. My vet bill was $5800 and I had $4988 covered. Great job and thank you guys for your help and checking on our pal.


R
Robby

2/18/2017
Healthy Paws Pet Insurance is a very professional and trustworthy pet insurance company. It is always unfortunate when your furry loved ones get sick or have an accident unexpectedly. We purchased this insurance for our puppy after a recommendation from a friend who had to pay out of pocket expenses for 2 major surgeries after accidental ingestion of foreign objects. Although at the time our puppy was very healthy, we decided to purchase an insurance plan for her just in case. After reading the positive online reviews, we decided to go with Healthy Paws Pet Insurance and have not regretted the decision ever since. Four years later, our beloved Goldendoodle has been unfortunately... Read More


Todd G

2/18/2017
Shockingly good service! My pittie (Lambeau) was diagnosed with skin cancer :-( Pre-op and surgery ran a few thousand dollars. Healthy Paws cut checks almost immediately. To ever have to make a decision on care for your furry best friends, based on funds - Healthy Paws insurance is a wonderful service to have. 5 stars!


D
Diane S

2/18/2017
I purchased this insurance when I first acquired my 8 week old puppy. At 7 months of age he developed an intestinal blockage after eating a portion of a leash. He had surgery and I used the app to file my claim. I like that I could see the status of my claim on the app and within two weeks of submitting the claim I had checks in hand. Unfortunately my dog developed complications from the first surgery requiring additional surgery less than a month later. My first thought was "oh, here we go. Are they going to exclude the second surgery?" I read the exclusions (again) and was relieved to read that it would still be covered. Once again I submitted my claim via the app and checks were... Read More



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  • No Enrollment or Administrative Fees
  • No Maximum Annual or Lifetime Payouts
  • Most Claims are Processed in 2 Days