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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.
 
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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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3292 Customer Comments & Reviews

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laylamcdeen

4/30/2020
I have been a member of healthy paws for about 5 years. In the last month they have really gone downhill. It's been really difficult getting my reimbursement. I had to submit a document to them 4 times and then call twice just for one invoice.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Thank you for being part of the Healthy Paws family for the past 5 years. As a company, we value our client’s input, good or bad. Unfortunately, we cannot find your account in our system with any degree of certainty using the limited information in your review. We apologize for any delay in the processing of your claim as a quick turnaround time on claims is a priority for our customer care team. We are very sorry your baby was ill, please give them another hug from us!
C
Carol A

4/30/2020
The best care partner when you need them most. Wonderful customer service and ease of claim processing. I highly recommend them.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Carol -Thank you for the kind words regarding your customer service experience. We are so happy to hear you have enjoyed being a Healthy Paws family member and that your experiences have been so positive. Please give your pet a big hug from us!
Debra C

4/30/2020
I have had insurance with Healthy Paws for 7 years for 2 dogs. I have always found them to be caring, compassionate and professional. Their claim process has been streamlined and is very easy to complete on line. Staff are quick to process the claim. I have never had difficulty with reimbursement and have received checks in a timely manner. I would highly recommend Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Debra- We love hearing from our longtime Healthy Paws family members. Thank you for the kind words regarding your claims experience. Please give your furbabie's big hugs from us!
stcornell

4/30/2020
Healthy paws was great and came through flawlessly when our dog needed surgery. Excellent, timely and responsive service!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
stcornell - Thanks for all of your compliments! We're sorry your pup had to have surgery and hope the recovery is going smoothly. Give your baby a hug from us.
sisson.graham

4/30/2020
One of the best decisions we've ever made. Knowing that Healthy Paws Pet Insurance has our back in uncertain times has allowed our dog to have the best treatment possible when issues arise. You don't see too many companies sending a follow-up personalized email asking about your dog's specific condition and making sure he or she is ok. Wonderful company.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
sisson.graham-Thank you for the kind words and for taking the time to post your review. 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!
D
Dave

4/30/2020
Healthy Paws is an amazing company. They are really there for my dogs. They handle every claim in a quick manner and don't try to nickel and dime you on any of the charges like other companies. What really is amazing is that during the entire claim process they flow up to see how your pet is doing. They also send Birthday wishes on their birthday. Its really refreshing in this day and age to have the personalized support and care they provide. I can't recommend Healthy Paws enough and tell all our pet friends about them.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Dave-Thank you so much for the kind words regarding your claims experience. We take pride in having a quick and easy claims process and we are so happy to hear that you are so happy with your dog's Healthy Paws pet insurance policy. Please give your pup a big hug from us
B
Brittany L

4/30/2020
I have had healthy paws for about a year now. Over the past year I had used it couple times here and there to cover minor costs involving various vet visits for my cat. But then my sweet kitty had a more major accident and broke his foot. It became a very expensive injury costing me around $2000 after adding up all the follow up visits, cast changes, x-rays, and other tests along the way. After each visit I’d submit our vet invoice to healthy paws and within a week I’d have the majority reimbursed by healthy paws. overall I only paid a few hundred dollars out of that $2000 and healthy paws covered the rest! It was SO comforting not having to base my decisions regarding my cats medical... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Brittany- We are so sorry to hear about your kitty's major accident and broken footrecent major surgery and hope that his recovery is going smoothly. Having an injured pet is is never easy but we are so happy that Healthy Paws was there for you when you needed us the most. Thank you so much for all the kind words and for sharing your cats story. Please give you furbaby hugs for us.
T
Tonya z

4/29/2020
Healthy paws has been an awsome insurance to have , great communication, wonderful coverage , and response time is excellent.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tonya - Thanks for your all of your kind words. Give your baby a hug from us!
s.sullivan927

4/29/2020
Healthy Paws makes it very easy and accessible to submit claims from my Vet office. They provide detailed explanation and reimburse what I'm eligible for within days. My dog needed knee (ACL) surgery and I was very nervous about the cost and about my claim being declined. I called Healthy Paws before surgery and was assured there wasn't a cost limit to their 80% coverage (my selected plan) and sure enough, they reimbursed me after reviewing. I've been very impressed with them especially as I was unsure about getting insurance for a long time. Not only have they made it easy, they are personal and have emailed me after my dog had surgery to check in on him. Highly recommend. I have... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
s.sullivan927 - We're sorry your pup had to have that major leg surgery, but glad we could play a part in making sure they had access to the best available medical care. We appreciate the kind words regarding our customer care team. We hope your buddy has an uneventful recovery.
W
will

4/29/2020
Healthy Paws has been there for me in the case of a few emergencies we've had over the years with our dog. I've been a pet owner for a long time and while I do anything I can to keep my pets happy and healthy, not having pet insurance can definitely hurt one's pocket in the case of a real emergency. Healthy Paws has been there to help a few times now - I definitely recommend them to help protect you and your pet in a time of need.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Will - Thanks for your recommendation and we're glad to have you as part of the Healthy Paws family. Give your buddy a hug from us.
Top Rated
Our Partner
  • Trusted by More than 625,000 Parents
  • No Enrollment or Administrative Fees
  • No Maximum Annual or Lifetime Payouts
  • Most Claims are Processed in 2 Days
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