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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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Michelle M

4/20/2020
Healthypaws has been a lifesaver this past year for my 4 year old Golden Retriever. I noticed her on and off limping for a while, and eventually after seeing a few vets, learned she had a torn ACL. The surgery was estimated to cost $4,800, along with the costs of all of the pre-work and post therapy. Healthypaws was prompt at responding to each claim leading up to the surgery, which gave me confidence that the surgery bill was not going to be issue. My large claim was processed within 2 days of submitting, and I have since received personal follow up emails checking in on her recovery. Through all of the stress of the surgery itself, it's been a huge relief to not have to worry about the... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Michelle - We are so sorry to hear about your pups major knee surgery, and hope that her recovery is going well. Thank you so much for taking the time to share your story and for all the kind words regarding Healthy Paws amazing coverage. Please give your sweet girl another big hug from us!
melissamargaret725

4/19/2020
Super fast response time and an easy claim filing process! Great coverage!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Melissa - Thank you for the kind word sand for taking the time to post your review. We are so happy to hear you have been so pleased with your coverage.
kelpie425

4/18/2020
Short version: Healthy Paws is a great company with great customer service. Long version: I bought pet insurance because I never wanted to make a decision about my dog's health care based on what it cost. I had the maximum coverage: $100 deductible (per year, not per occurrence) and 90% payments. For several years I paid my premiums and made no claims. But then my dog needed major emergency treatment. Healthy Paws paid out more than all the years of premiums. But as my dog got older and the premiums went up I wondered if I should cancel. I'm glad I didn't My dog got sick. Really sick. Almost a week in ICU (where they charge by the hour!). Tests, treatments, etc. By the time I... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
kelpie425 - Thank you so much for taking the time to post your review and for all the kind words regarding Healthy Paws. By sharing your story you are helping to raise awareness about the importance of having pet insurance for our furbabies and we truly thank you for that. We are so sorry to hear that your pup has passed but we are so happy to hear that you were able to her the very best veterinary medical care available. Hopefully, in the future, we will have the pleasure of protecting another one of your furbabies.
A
Alexandra

4/17/2020
We had a wonderful experience with HealthyPaws. Our dog George had emergency bowel obstruction surgery, which was very expensive. Even though we'd been paying the HealthyPaws premiums faithfully for a year, I had heard horror stories from friends whose pet insurance had found loopholes to get out of paying so I was still concerned. But I shouldn't have been! Submitting the claim was really easy and I had the reimbursement check in hand very quickly afterwards. We are so grateful that HealthyPaws was there for us when we needed it and I recommend them to all my friends now.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Alexandra - We are so sorry to hear that George needed major abdominal surgery. Hopefully, Goerge is taking advantage of the quarantine and resting while he rehabs. Thank you so much for all the kind words regarding Healthy Paws easy claims process and quick reimbursements. Please stay healthy and give Goerge a big hug from us!
T
Terrencej106

4/17/2020
I’ve been with Healthy Paws since 2017 - the customer service and support is amazing. And reimbursement process Is always very fast!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Terrence - Thank you for the kind words regarding Healthy Paws amazing customer service and fast reimbursements. We are so happy to hear you are so pleased with your pet's coverage.
T
Tania

4/16/2020
The most comprehensive plan I found for my pup. They are quick to reimburse and completely fair and transparent. I couldn’t recommend them enough!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tania - Thank you for the kind words, recommendations and for taking the time to post your review. We are so happy to hear you have been so pleased with your coverage and the peace of mind that it brings. Please give your pup a big hug from us!
Andrea E

4/16/2020
We chose Healthy Paws for our two cats about 7 years ago and have been very happy with the coverage AND the customer service. The policy is affordable, filing a claim online is incredibly easy, and the reimbursements are generous. But the company's responsiveness is absolutely exceptional. They are always available to answer questions and explain things, and claims are handled promptly. They are sincerely interested in the health of your pet. (Our cats get birthday greetings from them, and yesterday I received an email asking how my elder cat was doing after cancer surgery.) I love this company. I have recommended them to every pet owner I know. They not only love pets, they show that they... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Andrea - Thank you for all the kind words and for sharing your Healthy Paws experiences. We are so happy to hear that they have all been so positive over the years. We absolutely love hearing from our longtime family members! Please give your kitties more big hugs from us!
P
PATRICK H

4/15/2020
We had coverage for Arnold for about 9 years. HP handled every claim exactly as expected, with no hassles and promptly paid. Communications were excellent; policy is in plain language and easy to understand. We also appreciate the personal touches, and thank HP for making this part of Arnold's end of life uncomplicated. We would certainly recommend Healthy Paws to anyone looking for pet health coverage, and if and when we get another pet, wouldn't hesitate to use HP again.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Patrick - Thank you so much for all the kind words and for sharing your story about Arnold. Although Arnold is gone we are happy to hear that you were always able to give him the very best medical care right up to the end. We are proud to know Arnold's last days were comfortable and we look forward to protecting your furbabies in the future.
Mary G

4/15/2020
I can't say enough about the customer service we've received from the staff at Healthy Paws. They are extremely fast in adjudicating claims and generating reimbursements. We had the unfortunate circumstance of finding out our dog has cancer. His diagnostic and treatment expenses are well over $10,000 now and still coming. Our policy reimburses us for 80% of covered expenses with no cap on total reimbursements. Knowing Healthy Paws is here to help us provide our dog with the best treatment options has been a great comfort.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Mary - Thank you so much for all the kind words regarding Healthy Paws amazing customer service and fast claims process. We truly appreciate you taking the time out of your day to post your review and for sharing your story. Although we never like hearing that a pet is dealing with a serious, ongoing illness, we find comfort in knowing that you will always be able to give your pup the best medical care available. Please give your dog another big hug from us!
k_cordner

4/15/2020
Healthy Paws is an excellent pet insurance resource for dogs. I have a one year-old Busy Basset Hound puppy. She is notorious for finding things to chew on and swallow. Recently she needed surgery to remove a portion of a bone that would not pass. As soon as I turned the claim in, I heard back from Healthy Paws. Their main concern was for the health of my pet. The turn around on the claim was less than ten days. Healthy Paws also checked on her after the claim was settled to ensure she was healthy. Highly recommend Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
k_cordner - We are very sorry to hear about your curious pups major foreign object removal surgery. Obstructions are very common for puppies and the surgeries can be very, very costly. We are happy to hear she was protected by Healthy Paws, and that we were there for your sweet girl when she and you needed us the most! Thank you for the kind words and for taking the time to share your story. Please give your pup a big hug from us!
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  • 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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