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Healthy Paws Pet Insurance Review

3,335 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 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

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3335 Customer Comments & Reviews

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Sherry P

12/16/2016
One of my dogs tore her ACL and I got the unfortunate news that surgery was the best option for her. As scared as I was I new it was the right thing to do for her. The fact that she has Healthy Paws coverage was a godsend so I could fully concentrate on her needs and her recovery and not the cost. Plus they even checked in to see how she was doing - even my health insurance doesn't check in on me when I'm sick! I highly recommend Health Paws to anyone who truly cares for their pets health.

L
Loving P

12/14/2016
I have had policies with several pet insurance companies over the years. Healthy Paws is my absolute favorite. Shorter waiting period after sign up; annual deductable instead of by incident or illness; includes complementary practices without a rider (requires a vet on the premises, though); attractive super easy mobile phone app for submitting claims (snap a picture of the invoice and it’s on its way); quick response; in our experience, no arguments about coverage the way some other insurers do; personable assistance when needed; easy to add additional pets. I find myself telling friends, relatives and total strangers in stores and vet offices about Healthy Paws, highly recommending that... Read More

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B. B

12/14/2016
Just wanted to say THANK YOU for always being there when we really needed it. Choosing Healthy Paws insurance when we got our puppy about 6 years ago was one of the best decisions I have ever made. You make everything so simple and worry free. My family (and Lexi) appreciate that and I can not say enough great things about Healthy Paws and always tell anyone I know who gets a pet to check your website. Thanks again !!!

T
Tara S

12/13/2016
I signed up for insurance coverage with a different carrier for my first whippet, Indy, three years ago after a major incident and at the advice of the hospital where she received care. Fortunately, since then she has has no incidents for which we needed to use insurance. However, after the first year, with the first insurance company and despite no claims, there was a significant rate hike. I started researching for the most highly rated carrier and found that Healthy Paws consistently got stellar reviews and now I know why. We switched carriers. When we got our second whippet, Enzo, we added him to our Healthy Paws policy. Handling two dogs is quite a feat, especially two wriggly... Read More

K
Kendra

12/12/2016
Let me start by saying that I never believed in pet insurance. I thought it was one of those hokey, snake oil types of deals. In 2015, I lost two dogs and ended up spending close to $12,000 for their care that year alone. When I looked into Healthy Paws, and what my cost COULD have been, I honestly felt a little sick to my stomach. I researched all of the companies out there and found that Healthy Paws has the best coverage, best price, and easiest system to use. It was a complete no brainer. I have it for my two new rescues and have already reaped the benefits. My husband is currently out of work and our poor guy had to lose an eye to glaucoma. We NEVER would have been able to... Read More

Stephanie R

12/12/2016
I have 2 dogs, both strays. One was a stray from Panama (Chooki) which I brought over with me to Miami and the other we adopted from our local shelter (Louie). From day 1, Louie was sick with pneumonia, kennel cough, and high fever. The day after we picked him up from the shelter we were dropping him off at an overnight animal hospital to run tests and get an IV. We spent almost $2,000 that first night! And at the time, we had insurance with Pet Smart "Bansfield". They only covered preventative costs, such as shots, regular visits, and ear cleanings. Since my pets were really healthy, I didn't see the need to switch the insurance, until that night. While at the hospital, I picked up a... Read More

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Samuel C

12/12/2016
I wish our Human Health Insurance was as easy to use. You take a photo of your invoice and upload it via the app and you only have only wait a few days for Healthy Paws to process your claim. Plus they are genuinely concerned for your pet. After our dog had to undergo an endoscopy they wrote a week or so later to find out how our dog was feeling. I recommend them without reservations!

Amber B

12/11/2016
NO EXOTICS! ONLY cat and dog!

V
Vijay K

12/10/2016
Kudos to Healthy Paws for making the insurance claim and coverage process so simple. Recently my pet Bacon had to be admitted to Medvet hospital for severe infection. After the treatment, all I had to do is upload pictures of the bill using their app. The claim was processed amazingly quickly and the reimbursement check came in before my credit card came up due for payment!!!! Subsequently they emailed to check up on how my pet was doing!!! - was pleasantly surprised. I would recommend this service for its Quick processes and for a caring / friendly customer service. Kudos!!!

D
Dave B

12/10/2016
Healthy Paws has covered our two pups for over five years. They have consistently processed claims expeditiously during that time and have been very responsive to our questions/concerns. Our Lab, Figgie, recently underwent knee surgery, totaling $4,668.90. I filed the claim through their website on Friday and it was processed by Sunday afternoon. Healthy Paws covered the entire claim with no questions asked. Check was received ($4,202.01, reflecting their 90% responsibility) within four days. They even followed up to see how she was doing and offered to help with her rehab. Can't ask for better service than that! Very pleased with them.

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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
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