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

3,336 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.

3336 Customer Comments & Reviews

Loading Reviews ...
M
Maria S

1/30/2017
I want to hank Healthy Paws for helping me when my lil dude got seriously injured. Our case was reviewed within a week and we got 3.5K compensation fair fast. Thank you, guys!

A
Annette

1/30/2017
Healthy Paws has been a godsend! My husband and I have a sweet American bulldog who has had her fair share of health issues. Between allergies, joint problems, and oral surgery, we've spent plenty of time at the vet. All the way through, it's been such a relief to know we have Healthy Paws. It makes our decisions so much easier, because it takes away any hesitation we would have otherwise had about giving her the care she needs due to cost. Healthy Paws has an easy-to-use website, and has always been prompt with processing our claims and sending reimbursements. Plus, their customer service is wonderful; they even write personal emails every now and then to check in on how our dog is doing... Read More

H
Hannah

1/30/2017
Fast, friendly, amazing service! Highly recommend them!

J
Jane

1/30/2017
We have been very happy with Healthy Paws Pet Insurance!!! Not only are the claims easy to submit and track, but they are settled very quickly as well! And the "icing on the cake" is that after our Newfie's (Quinn) shoulder surgery, we received a personal email from a Healthy Paws agent asking how Quinn was doing! We definitely recommend this insurance (which has 3 levels of customization) to all new pet owners.

C
Carina

1/29/2017
I don't have very good luck on my pet's health. My cat got urinary blockage 3 times in 2 years. It cost over $1000 each time. So, I have a lot to say about my experience with healthy paws. So far, I think it's a very brilliant idea to choose this insurance. Pros: 1. Claim procedure is super easy. I had my vet sent them the health record, I took pictures of the invoice and submitted on line, the process completed within 1 week and I received the check the week after. I didn't need to talk to any agent, no questions asked, they paid everything with the agreed percentage except the examination fee and the cost prescription food. 2. the deductible is annually, not per claim. It makes... Read More

A
Astrid Y

1/28/2017
We have been Healthy Paws Insurance member since 2015, we have not had any bad experience with them. About 3 weeks ago our dog got diagnosed with hip dysplasia and needed to get surgery right away. We were so worried since we know this option is not cheap, and wonder what kind of long process it would take. Started to make phone call to their customer service right away after spoke to the surgeon. Let me tell you how amazing their customer service is. They are so hopeful, telling us to send them the doctor's note for their review. We submitted the document on January 10 2017. By January 12 2017, all the process was done and we were on the phone with the hospital to schedule the surgery.... Read More

M
Melissa

1/28/2017
Our three year dog tore a ligament in her knee, causing her constant pain. We could no longer take her on walks or do any running activities. The surgery was 4600$. Thank goodness for Healthy Paws insurance! They covered her surgery at 80%. This is the second time this year we relied on this insurance and they are friendly, helpful, and prompt with reimbursement. Highly recommended!

Adam T

1/27/2017
I have nothing but positive things to say about Healthy Paws as they have done nothing but safeguard our beloved dog and make it possible for her to receive the best possible care. It was only two months after adopting our rescue dog, LUNA, that she came down with a virus/pneumonia -- resulting in a four day stay in the emergency room. It cost me close to 3 grand, out of pocket. It was then that I began looking for pet insurance. I'm not sure if Healthy Paws was a recommendation or not, but I definitely appreciated the flexibility to decide how much to pay monthly versus deductible versus coverage threshold. And boy do I feel smart now -- as Luna recently had to have surgery on a torn... Read More

K
Kim

1/27/2017
I have a "grand dog" named Bella that is 6 years old and have never thought about purchasing Pet Insurance for her. 2 of my friends dogs were in her backyard and were bit by a snake creating a lot of medical expense at an Emergency Clinic. I then decided to seek the best option for Pet Insurance for Bella and chose Healthy Paws which was the best decision I have ever made. This was in 2015 and Bella had to have surgery on her back leg last year (with PT for 8 weeks) and again on both legs this year. As soon as I sent the claim to Healthy Paws within a week my claim had been processed and the check was on the way. Health Insurance for my family does not process that fast!!!! Also I always... Read More

Jennifer A

1/27/2017
This is the first time in my life I have ever had to deal with pet surgery and it is very stressful situation. I am so grateful for our Healthy Paws Pet insurance policy that I started the adoption - this is my daughter's cat and they adore each other - so having this insurance meant I didn't have to make a really ugly decision between putting him down or credit card debt. They have been supportive, prompt with claims processing - no grief or we need more information. I highly recommend them if you are looking for the best policy for your pets.

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