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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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patriciarogers038

4/20/2021
Heslthy paws charged me 55 a month and within two years increased me to 101 a month, I never submitted one claim.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
patriciarogers038 - We appreciate you being part of the Healthy Paws family and understand no one likes any form of premium increase. From your review we also know you haven't had to file any claims and we hope you never have to--this means your pet is healthy and accident free. Our management team works hard to keep our premiums as low as possible while still providing comprehensive coverage. New technology, advancements in veterinary treatments, and overall claim costs are taken into consideration when assessing our rates. Premiums are determined based on the rates and rating rules filed and approved within each state’s Department of Insurance. These reflect the cost of treatment, advances in veterinary medicine (including specialty care), your individual pet’s breed, gender, age and other factors, in addition to the overall claims experience for the program within the region your pet resides. As a result, we need to increase the premium level for all pets in your state so your pet can have continued access to the best veterinary care. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of specialty and emergency care. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website. Give your pup a big hug from us.
C
Connie R

4/15/2021
Hello, I am looking to insure my Golden Retriever, Murphy, who will be 4 yrs old Sunday, April 18th. I currently have insurance, but want to change companies. Murphy has allergies, and is on Apoquel when needed. Would you cover that medication for him, as it,s preexisting? I like that you pay the per cent age of the Actual bill, and not what is aloud, is that correct? What about preventative flea, tick, and heart worm monthly meds, and annual injections, do you cover those? Can you send me that info and a rate for Murphy, 90% , $100. Deductible. Thank you .....Connie Rosensteel

ksnooz56

4/11/2021
Healthy Paws recently covered my dog's leg surgery. They were quick with response time and the claim went from submission to benefits declaration within about a week, including the Easter Holiday. I've been impressed with their customer service and the ease of website navigation. Their monthly premium is also very reasonable compared to other pet insurance companies out there.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
ksnooz56 - Thank you so much for the kind words regarding your recent claims submission experience and our easy-to-use website. We are so happy to hear you have been so pleased with your Healthy Paws pet insurance policy. Please give your pup another big hug from us!
Robin S

4/9/2021
I switched to Healthy Paws after talking to a co-worker about the problems I was having with my previous pet insurance company. Best decision I ever made. Healthy Paws is amazing and so easy. I have submitted my claims and gotten a check within a week. I could not be happier with Healthy Paws. They even sent me an email checking in on my pet after she had surgery. I 100% recommend Healthy Paws to all pet owners.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Robin - We are so happy to hear that you have been so happy with your decision to join the Healthy Paws family. Thank you so much for all the kind words and for taking the time to post your review. We are sorry to hear that your pet needed major surgery and please give her another big hug from us!
Cathy G

4/8/2021
I have been pleasantly surprised. I was skeptical about taking out dog insurance. Our dog had TPLO surgery and developed tendonitis afterward. They paid 80% of surgery and PT for the tendonitis, after deductible, per the plan we chose. They have been transparent about not covering pre existing bladder issues. Customer service, good. Claims processed in 3 or 4 days. Quick reimbursement. I have been recommending the company to fellow pet owners.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Cathy - We're sorry your baby had to have that major leg surgery. We appreciate your kind words regarding our coverage, customer service and efficient claims/reimbursement process. Give your baby a big hug from us.
D
Danielle C

4/7/2021
In a nutshell: having insurance saved my dog's life. My girl, Ceniza was diagnosed with TCC in April 2019. Without treatment, we were given a 3-6 month prognosis. With treatment, 12-24 months. Having insurance meant that we were able to say yes to whatever treatment she needed. She is still here 2 years later and is showing ZERO signs of slowing down. The tumor has been growing but at a very, very slow rate. This is no doubt due to the chemotherapy treatments. Her Dr is thrilled with her progress, as she has never had a patient continue this long on chemo. This is likely due to most parents not being able to afford long term treatment. I have probably submitted over $40k in claims... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Danielle - Thanks for taking time out of the day to write your review. We're glad we have been able to play a part in making sure Ceniza has access to the bet available medical care to treat her TCC and that our plan coverage has allowed you to concentrate on her care. Give Ceniza a big hug from us.
sabrina.loesh

4/7/2021
Healthy paws has been the absolute best! While I maintained my policy for many years without making any claims, Healthy Paws has been there when they were most needed. This year my beloved 14 year old dog developed liver cancer. Healthy Paws has covered absolutely everything from tumor removal surgery to specialized genomic cancer testing to chemotherapy and ongoing monitoring. My little guy is still with and doing fine because of the fantastic care I was able to procure with my Healthy Paws coverage. So so thankful for the peace of mind.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sabrina - Thanks for being part of the Healthy Paws family over the years. We're sorry your boy has to deal with cancer, but glad our plan coverage allows him access to the best available medical care. Give him a big hug from us.
D
Denise S

4/7/2021
I would highly recommend HealthyPaws Pet Insurance to any pet owner. When my very active 9 year old fur baby become unexpectedly lame in his hind quarters on 3/1, we brought him to our vet. He was treating Harley for sever arthritis, using pain medicine, an anti-inflammatory and Adequan Shots twice a week. When we and our vet saw no improvement we made an appointment for a neurologist and MRI. On 3/18 Harley had surgery to remove discs pressing on his spine and spent 3 days in the hospital. If you are a concerned pet owner and go to the vet for treatment for your pet your know the fees are so high you have to remortgage your house. Thank goodness I had Healthy Paws Insurance to cover... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Denise - We're sorry that your boy had to have that major back surgery. We're glad we could play a part in relieving some of the financial strain so you could concentrate on his recovery. Give your boy a big hug from us.
lisabethfabio

4/6/2021
After losing my two dogs within 5 months of each other I often wondered what more I could have done for them with the financial ability to do so. When I got a new puppy and she had a tendency to put everything she saw in her mouth I thought I would make an investment and get insurance. After looking at many different companies and plans I went with Healthy Paws. The ability for me to choose my payback percentage and deductible and customize my plan was a huge draw. The phone app is a godsend. The moment I get an invoice I just take a photo on the app and let it get processed! Unfortunately at just two years old my little girl was diagnosed with a pretty bad autoimmune disease. heathy paws... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lisabeth - We're sorry your girl is having to deal with that autoimmune disease, but glad we can be there to help. Thanks for all of the kind words regarding our phone app and plan coverage. Give your baby a big hug from us.
G
Gerri

4/3/2021
BEWARE OF HEALTHY PAWS I have had Healthy Paws for a year now and I'm currently searching for another pet insurance company. I'm shocked no one has complained about them because they have treated my pet horribly. First off, when I first spoke to them on the phone a year ago about insuring my small 3 year old mix dog, they said they cover exam fees if the exam is diagnostic and leads to treatment. They also told me they need proof that she is healthy with no preexisting condition. My dog hadn't seen a vet in over a year so I decided to pay $70 to have a vet perform a nose to tail examination, He wrote them a letter and sent in his documents stating she was in perfect health.... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Gerri, We're sorry that your baby injured her paw. We do our best to be transparent throughout our website, during the enrollment process and in the policy documents available to each client in their online Healthy Paws account regarding the limited exclusions of our policy. Those exclusions are pre-existing conditions, preventative/routine care and the office visit fee (veterinary exam fee). By making the office visit fee (vet exam, emergency exam, recheck or consultation) part of the pet parent's financial responsibility, it allows us to offer a complete accident and illness plan at an affordable monthly premium. Our policyholders value comprehensive accident/illness coverage and unlimited benefits at reasonable rates, which is why they choose to assume the responsibility of paying for those costs. Your policy documents and our website outline the need for medical records. All claim decisions are based off of your pet’s medical records and the signs/symptoms that are noted by your veterinarian. We use a pet's medical records and notes written by the attending veterinarian to determine if there are any pre-existing conditions which would keep us from approving a claim. Anyone visiting our website can see information regarding policy exclusions and medical record requirements on our “Benefits, Coverage and Exclusions” or "Frequently Asked Questions" page. Give your girl a big hug from us.
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