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Healthy Paws Pet Insurance Review

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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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3291 Customer Comments & Reviews

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jillowilliams

9/17/2024
Thank you so much for being an amazing pet insurance company! You truly make me feel at ease, knowing that my pups will be covered. Our pup recently got bit by a rattlesnake and I didn’t have to think twice about the pet hospital and getting anti venom because I knew Healthy Paws would cover it. So, I got to focus on his health and recovery. He is doing great now.

L
Lucinda A

9/16/2024
The best insurance! I have had my dog insured for 6 years with HealthyPaws and am so happy with our experience. They are prompt with our reimbursement everytime! And even better is how caring and compassionate they are! My dog had major back surgery and they sent an email to check on how he was recovering! It was so kind! Definitely recommend!

saraberthiaume

9/13/2024
Healthypaws has always been there when I needed them, very quick to approve my reimbursements and check-in about my pet!

pdamery

9/11/2024
Healthy Paws is a fantastic Insurance company. Claims are easy to file, and reimbursement is quick. We feel so fortunate to have Healthy Paws Insurance, which made it so much easier to afford the life-saving decision to have Brambleberry have back surgery after he lost control of his hind legs. We expect full recovery.

S
SDGlobal

9/7/2024
I have had Healthy Paws Pet Insurance for my dog since he was 2-years old. He's now 15-1/2 and has had a variety of medical issues over the years. Healthy Paws has been amazing at paying claims quickly and without any hassles. Their customer service is fantastic. I recommend it to all my friends and family for their dogs!

lindamshehab

9/4/2024
**Healthy Paws Pet Insurance Review** As a pet parent to Spud, my 9-year-old Maltese, I can't express enough gratitude for Healthy Paws Pet Insurance. I enrolled him at just 8 weeks old, and it has been one of the best decisions I've made for his health and well-being. Throughout Spud's life, we've faced numerous health challenges, including two surgeries, an autoimmune illness, and various treatments like medications, blood tests, X-rays, MRIs, blood transfusions, and hospitalizations. Recently, he even had a cancerous anal gland removed and is currently undergoing chemotherapy. Healthy Paws has been there every step of the way, providing the support and peace of mind we needed.... Read More

leah.sabin

9/3/2024
I cannot recommend Healthy Paws enough. They have been lifesavers for my family; we started coverage when we adopted our two dogs as puppies ~7 years ago, and Healthy Paws has been there every step of the way as we have navigated multiple health challenges with each dog. The claims process is straightforward, our reimbursements arrive quickly, and the customer service feels personal. Anytime a friend or colleague brings a new pet into their home, I urge them to get Healthy Paws coverage.

bryan.e.mccready

8/30/2024
My dog unfortunately needed ACL surgery and HealthyPaws covered exactly what was promised per the policy

markflxres

8/29/2024
I'm glad I chose Healthy Paws to insure my pup, it's been easy to use, customer service is great and reimbursement was quick! I'd recommend them to any new pet owners!

drew

8/29/2024
I have a 2.5 year old American Bully Mix. I recused his mom when she was dumped in the park pregnant. My boy Kong had a seizure in my yard a motor seizure that turned into a Grand Mal. It lasted several minutes . When taking to the vet to see what we do & what happened we did blood , urine , sppinal tap , & MRI. With out having a trusted insurance plan, tough decision have to be made. Knowing i was covered mad all the difference in the world. GET HEALTH PAW Insurance and keep yopu pets safe and health !

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  • Trusted by More than 625,000 Parents
  • No Enrollment or Administrative Fees
  • No Maximum Annual or Lifetime Payouts
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