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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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Denise H

2/18/2020
I have insured my dogs for over 10 years with Healthy Paws Pet Insurance. Thanks to them I don't have to a make a decision based on what a procedure will cost. My claims have been processed and paid in a very timely manner.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Denise - Ten years as a Healthy Paws family member, WOW! We are so happy that you would trust us to protect your furbabies for such a long time. Thank you so much for the kind words and for taking the time to write your review. We love hearing from our longtime family members. Please give your babies more hugs from us!
A
Annette

2/18/2020
Healthy Paws pet insurance has helped us pay for very unexpected vet bills. We are happy with their quick response to our claims and would recommend them to our friends and family.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Annette - Thank you so much for the kind words and recommendations. We are so happy to hear that you have been so pleased with your Healthy Paws pet insurance coverage. Please give your furbaby a big hug from us!
Ej Z

2/16/2020
Healthy Paws has higher premiums and excellent payment rates. Easy, no hassle. Our two herd dogs are covered and it is worth it. I would never go back to the cheaper pet insurance. They do raise rates as the dogs age and/or with more claims.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Ej - Thank you for taking the time to write your review and for the kind words. We are so happy to hear you are so pleased with your Healthy Paws coverage. Please give your two herd dog's big hugs from us!
L
Laurie M

2/16/2020
Healthy Paws provided excellent coverage and customer service during a recent emergency with my dog. I had the peace of mind knowing my expenses would be reimbursed exactly as stated in my policy. I was able to approve fairly expense but vitally necessary tests and treatment I provided Healthy Paws the invoices and medical records and my reimbursement was direct deposited into my checking account within the week. They even checked up on my dog’s progress which has been remarkable.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Laurie - Thank you for the kind words regarding Healthy Paws, an excellent customer. We take great pride in providing our family members with the very best customer service. Although we are sorry to hear that your dog recently required emergency medical care and hope that your furbaby is feeling much better now. Please give your pup another hug from us!
trotter121

2/16/2020
Unfortunately our Ares an American Bulldog was admitted to the hospital. The Hospital was nice but required 50% upfront. How could we afford this . Healthy Paws responded in an email . Anthony take care of Ares and don't worry about the cost. Healthy Paws took away our stress from the financial worries and got out Dog the best care ever. Healthy Paws only requested a photo of the bill which was done with my smartphone. Healthy Paws approved our thousands of dollars in two days. The check was in the mail before we finished giving Ares his meds. Healthy Paws thanks for keeping your word... We couldn't have done this without you

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
trotter121 - We are so sorry to hear Ares's recent emergency hospitalization. Having a sick furbaby can be very scary, and stressful. After all, our furbabies are members of our families, and when they hurt, we hurt. Having Healthy Paws allows pet parents to make the best decisions for their pets without having to worry about the costs. Thank you so much for the kind words regarding our simple and easy claims process and convenient mobile app feature for submitting claims quickly and easily on the go. Please give Ares one more big hug from us!
M
Marina M

2/16/2020
I have a mixed breed pup, now 14 months old, who I jokingly refer to as a Whippersnapper. She's very impulsive and seems to be trouble prone so early on I looked for pet insurance and it was one of the best decisions I ever made. Since getting Minka signed up, she has had two episodes of having to have her stomach contents emptied because she ate plastic and a recent wrist fracture. I was reimbursed very quickly, and though it may just be done for the sake of PR, the tone of all communications less cheerful and supportive, unlike my human health insurance companies. Looking carefully into coverage details I determined that Healthy Paws would be my best bet for combining affordability... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Marina - Thank you for the kind words and for taking the time to write such a thorough review. We are so happy to hear that you have been so pleased with your furbabies Healthy Paws pet insurance coverage. Having Healthy Paws allows pet parents to make the best veterinary decisions for their pets without having to worry about the financial aspect. We are very sorry to hear that Minka has had 2 major tummy surgeries and hope that she never has to go through that again. Please give her a big hug from us!
wandcnaylor

2/16/2020
I am so glad I chose Healthy Paws for our pet insurance as it gives me the financial freedom to give her the unexpected emergency care she needs at times like this. Thanks to HeathyPaws for their caring and concern. Our Kodi is healing well from her leg surgery. She is such a sweet puppy and we love her very much. And now she is dealing with gastroenteritis. We had to go to Animal Emergency & Referral of MN and they kept her overnight and got her where she was eating and keeping the food down. I feel so relieved that I have Healthypaws and don’t have to worry about the cost at times like this. So fast and easy to submit a claim too. Just take a picture of the invoice and upload it to the... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
wandcnaylor - We are sorry to hear that Kodi needed a major leg surgery recently and hope her recovery is going well. Knee injuries are very common for dogs, and the surgery to repair these injuries range from $1,000 to $5,000 which is why having Healthy Paws pet insurance is so important. Thank you for the kind words and for taking the time out of your day to write your review. It's folks like you who are helping to raise awareness about the importance of having pet insurance and we thank you for that. PLease give Kodi another big hug from us!
skirk154

2/14/2020
Healthy Paws Pet Insurance has been a great blessing to us. We purchased our dream kitten from Russia, and we immediately had all the health checks done and obtained accident and illness insurance from Healthy Paws. As they say, everything can change in an instant, our “Putin” was adorable and happy for the first several months, then started to slow down and finally was in the ER due to severe constipation. A week later he is hospitalized for a week and finally they sedated him and manually removed stool from his colon. It was a horrible process; and a hospital bill of over $5,000.00. Healthy Paws reviewed the claim in a matter of days and we had our reimbursement quickly! The claim... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
skirk154 - We are so sorry to hear about your kitten's major tummy issues and recent emergency hospitalization. That must have been a very scary ordeal for you and for him. We are so glad you are part of the Healthy Paws family and that we were able to help when you and your kitty needed it the most. Thank you so much for all the kind words and for taking the time to share your story. Hopefully, your sweet kitty never has to go through something like that ever again. Please give your sweet boy another big hug from us!
J
Jana E

2/14/2020
Best Decision Ever! I rarely write reviews but I feel compelled to share my experiences with Healthy Paws. I've been a pet parent for years but never had pet insurance until 2015 when a neighbor recommended Healthy Paws based on her very positive experience with the company. In all honesty, I was skeptical and said that I assumed that pet insurance was fairly meaningless in practice. I am grateful to my neighbor for the recommendation and I am so happy to report that I could not have been more wrong about my assumption about pet insurance - or at least Healthy Paws. I have a senior feline who is well-loved with a multitude of co-occurring medical conditions. As a result, she... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jana - Thank you for taking the time to share your story and for all the kind words regarding our excellent customer service and prompt reimbursements. We take great pride in providing excellent customer service to all our family members and a simple and easy claims process. We are very sorry to hear that your kitty was so ill recently and hope that she feels better very soon. Thank you again for writing your review and please give your cat a big hug from us!
Pirayoff M

2/14/2020
I researched pet insurance for my dog for about 2 months, there were so many options and I just couldn't commit. I found that Healthy Paws was repeatedly ranked very highly and had great reviews, not to mention the fact that their premiums and deductible were less than every other carrier. Their terms were also super easy to read and understand unlike other companies who seemed to have so many stipulations and exclusions. I've had Healthy Paws for almost 2 years now and only recently have I really had to use it as my dog has a GI issue that is proving to be difficult to diagnose. I'm SO glad I went with them over other carriers, they cover all of my dog's procedures and medication, no... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Pirayoff - We are sorry to hear that your dog has been dealing with an ongoing tummy issue. Having a sick pup can be very stressful which is why it is so important to have Healthy Paws pet insurance to help with all those unexpected veterinary emergencies. Thank you for taking the time to write your review and for the kind words regarding Healthy Paw's amazing pet insurance. Please give your dog 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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