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Healthy Paws Pet Insurance Review

3,292 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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3292 Customer Comments & Reviews

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G
Gwynne

5/20/2020
I love the personal service. Healthy Paws sent a follow up postcard and email to check up on my dog after she had to be hospitalized for a life saving procedure. That extra step meant a lot to us. They are also extremely easy to work with and very efficient. I did everything I needed to do and sent my claim right on my phone, and in under a week I received my reimbursement checks.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Gwynne - Thank you for the kind words regarding our easy claims process and friendly customer service. We are so happy to hear you have been so pleased with your Healthy Paws policy and look forward to providing you and your dog unparalleled service for many years to come. Please give your pup a big hug from us!

K
Kate

5/19/2020
Both of my cats have had insurance through Healthy Paws since they were kittens. Their policies are reasonably priced. By and large the coverage is good - I wish they covered dental because teeth cleaning for cats is expensive - but for medical stuff I have no complaints. Filing a claim is super easy and reimbursements come quickly. If you have to contact HP with a question they are helpful and friendly. I’ve recommended Healthy Paws to many friends!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kate - Thank you for taking the time to post your review and for the kind words regarding Healthy Paws effortless claims process and quick reimbursements. By making routine dental cleaning part of the pet parent's financial responsibility, it allows us to offer a complete accident and illness plan at an affordable monthly premium. Please give your kitty's big hugs from us!

L
Lindsey M

5/18/2020
Healthy Paws has been there for me and my pup through some really hard times. I feel so fortunate that I have a policy with them. They have helped me in so many ways and have covered so much for my little pup. Thanks Healthy Paws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lindsey - Thank you for the kind words. We are so happy to hear we came through for you and your pet when you needed us the most. Please give your pup a big hug from us!

Jenny H

5/18/2020
Healthy Paws Insurance has been amazing! My beagle, Marley, tore his ACL completely and surgery was going to be quite expensive (over $4,000). If I had not had Healthy Paws insurance, I may not have been able to give him the best care possible. Thankfully, I didn't have to worry because I had Healthy Paws insurance coverage. I submitted the claim through the app which was super easy and in less than 5 days, the claim was paid promptly and for everything that was supposed to be covered under my policy. There was no hassle or additional medical documentation required. I am beyond grateful for Healthy Paws and would recommend it to anyone who has pets! Respectfully, Jenny H.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jenny - - We are sorry to hear that Marley had to undergo a major leg surgery. Having an injured pet can be very scary and stressful which is why having pet insurance is so important for those unexpected and expensive emergencies and/or accidents. Thank you so much for the kind words regarding your claims experience and for taking the time out of your day to share your story. Please give your sweet boy a big hug from us!

Judy C

5/17/2020
Great pet insurance! Easy to file a claim. I just asked the veterinary hospital to email the records. Healthy Paws paid quickly. That's all there was to it! Very affordable!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Judy - Thank you so much for the kind words and for taking the time to post your review. We are so happy to hear that you are so pleased with your Healthy Paws coverage. Please give your pet a big hug from us!

J
Jasmine

5/16/2020
SHELL COMPANY ! FRAUD! Bait & switch! No! They have raised the rates 50% in 2 years. My dog is less than 4 years old. They “Denied” the vet visit claiming “Pre- Existing Condition.” The vet confirmed it was a “New Condition.” Adding insult to injury they Raised the rate again. When I called Customer Services- it is a fake answering service. When I ask to speak to a Supervisor or a Manager, they say no one is available. They are trained to say,”A specialist will call you.” No one called me. Then, I received fraudulent e-mails,”We just tried to call you. You did not respond.” and they cease the claim... without having called me - no caller id - call. I never receive monthly statements of my... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jasmine - We appreciate the fact you’ve been with us over the years and that we have been able to provide coverage for your pets claims during that time. We truly understand that no one likes any form of a premium increase. Our management team works hard to keep our premiums as low as possible while still providing comprehensive coverage. As the Customer Liaison Manager explained to you via email, new technology, advancements in veterinary treatments, and overall claim costs are taken into consideration when assessing our rates. Your monthly premium has gone up because the increase in claim payments has been faster than the premium increases in your state over the years. As a result, we need to increase the premium level for all pets in your state so you and 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 veterinary 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. When you enroll with Healthy Paws, your monthly premium is charged automatically to your credit or debit card each month on the same date that you enrolled. Since you are automatically billed, our Pet Parents use their credit card statements to keep track of these charges with no need for any other invoice. We also 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). Anyone visiting our website can see this information on our “Benefits, Coverage and Exclusions” page. By making the office visit fee (vet exam, emergency exam, recheck or consultation) and routine dental cleaning 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. In regards to our call centers, we have multiple centers throughout the United States. If these trained representatives cannot answer your question, your concern is sent to one of our highly trained customer care team members in our WA office. If you have requested a callback, our team will call and if they cannot reach you, we do send an email letting you know we called and requesting a good time for the team member to call again. Give your baby a big hug from us. The Healthy Paws Team

J
Julie H

5/16/2020
Healthy Paws just increased my monthly premium by almost 30%. Maybe they think being a number one rated company justifies this but as a long-time customer, I feel betrayed.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Julie - We truly appreciate that you have been a part of the Healthy Paws family over the years and that we have been able to provide coverage for your pets. We understand that no one likes any form of premium increase and your pending increase is larger than normal. 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, your individual pet’s breed, gender, age and other factors, in addition to the overall claims experience for the program within the region your pets reside. As a result, we need to increase the premium level for all pets in your state so you and your babies can have continued access to the best veterinary care. Rest assured, we will never penalize you with higher rates for making claims. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of veterinary 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 babies big hugs from us.

ross.knorr

5/16/2020
If you're doing research for the best pet insurance to get for your dog - or deciding whether to get it at all - allow me to do that research for you. Get insurance, and get Healthy Paws. Healthy Paws was the best purchase I have ever made - hands down. Rates, deductible, and what's covered are all pretty comparable but Healthy Paws is rare in that there are no annual or lifetime maximums. My dog has needed three major surgeries, and all were covered 90%; that gave us the peace of mind to go forward with what was best for Roslin without having to worry about the financial burden. Making a claim is incredibly easy and processing is lightning fast - and better yet, with each time Roslin had... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Ross - We are sorry to hear that your pup has required three major surgeries, but we are so happy to hear that all were covered by Healthy Paws. Thank you so much for all the kind words regarding our super easy claims process. We are so glad that you have been able to provide Roslin with the very best veterinary medical care over the years without having to worry about the cost. Thank you again for taking the time to write your review and please give Roslin another big hug from us!

M
Matt G

5/13/2020
Extremely helpful, fast and trustworthy, especially during a difficult time. Very glad to use this service.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Matt- Thank you for the kind words and for taking the time to post your review. We are so happy to hear that you have been so happy with your Healthy Paws coverage and customer service. Please give your pet a big hug from us!

luv2nou2

5/11/2020
Raised rates over 26% on our dog that is under 5 years old with no medical problems and/or claims ever in 3 years! Bait and switch insurer. Would not recommend as they raise rates claiming to reflect local area veterinary costs which is complete nonsense! 26%? Our veterinarian hasn’t raised prices in 7 years since our previous dog! Find another insurer! Read all fine print!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
luv2nou2 - We truly appreciate that you have been a part of the Healthy Paws family over the years and understand this increase was larger than normal. Per your review, we also know you haven't had to file any claims and we hope that 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, 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 you and your buddy can have continued access to the best veterinary care. Rest assured, we will never penalize you with higher rates for making claims. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of veterinary 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.


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