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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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M
Meghan A

1/30/2020
I have had a great experience with Healthy Paws, and I have recommended them to quite a few friends. They are quick to process invoices, and reimbursements happen quickly and as expected. Every vet bill we've received has been processed exactly as I would have expected, with no hidden fees or surprises, and no questions asked. My 3 year old pup has already needed 2 significant types of treatment, first, she was hospitalized for 2 nights when she was sick and became severely dehydrated as a result. Luckily, we only had to pay a fraction of her stay for around the clock monitoring and medications, so it made this scary time way less stressful. More recently, she needed a minor surgery,... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Meghan - Thank you so much for all the kind words regarding our quick and easy claims process and lack of hidden fees or surprises. We believe that pet parents should be able to focus on their pets when they are sick or injured instead or worrying about a slow or complicated reimbursement process. We are sorry to hear that your pup needed two significant medical treatments including hospitalization. Poor girl. We are sol glad to know that as Healthy Paws family members, you and your sweet girl will always have access to the very best medical care available without having to worry about the cost. As you already know 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 pet 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 baby a hug from us.
J
Jennifer W

1/30/2020
Healthy Paws has always gone above and beyond to insure our rescue pups, and the amount of coverage for the price is beyond compare! We did our research before choosing an insurance company for our dogs, and Healthy Paws had better coverage for less of a monthly payment, with no limits on maximum dollar amount of coverage per year per dog. For example, one of our dogs had ACL surgery, and Healthy Paws covered 80% of the surgery! Thus, a potentially crippling $4000 + surgery became $1,000 dollars out of pocket for us, which not only made the surgery possible, but allowed us to choose the best surgeon for our furbaby. Also, they checked in on our pup to make sure all was well, and kept... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jennifer - Thank you for the kind words and for taking the time to write your review. We are very sorry to hear that your dog's major knee surgery and hope that recovery is going smoothly. Please give both of your pups more hugs from us!
moosenjosh

1/29/2020
We have had Healthy Paws for several years. We have four pets insured by them. My dog Moose required knee surgery which we had just paid the year before for our dog Dakota at a cost of $12,000 (hence the reason we purchased insurance). We were skeptical that they would (1) allow us to go to the same Dr (others in town are far less expensive) and (2) would cover the claim. They surprised us by allowing us to use our Doctor despite being more expensive (this surgery for Moose was I think $4,000 if I recall) and they covered the claim quickly. Awesome experience. I try to recommend them as often as possible.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
moosenjsh - We are so sorry to hear that your pup Moose recently needed major knee surgery. Hopefully, his rehabilitation is going smoothly. Thank you for the kind words about how happy you are with your Healthy Paws pet insurance. Please give your pets a big hug from us!
Ugo L

1/29/2020
Where do I even begin? Few people will ever know just how truly grateful I am to have Healthy Paws Pet Insurance for my baby. I didn’t know it was possible to find an insurance company that not only has excellent customer service but also truly and sincerely cares for your furry loved ones…yet Healthy Paws is that company! I very rarely write reviews but due to the outstanding support I’ve received from the Healthy Paws family, sharing my story with the world is the very least that I can do. Allow me to tell you about my baby Ollie. Ollie was the greatest, happiest, friendliest, and most beautiful long-legged dear head chihuahua you would have ever met. We rescued him has a puppy... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Ugo - Thank you so much for the kind words and for taking the time to share your story about Ollie. He was a very lucky dog to have such caring pet parents who would care enough to protect him with Healthy Paws pet insurance. Please accept our condolences for your loss. We understand that losing a fur baby is never easy and we hope that your new rescue pup will never have to go through what Ollie did. Please give Nala one more big hug from us!
L
Loretta G

1/29/2020
I highly recommend Healthy Paws Pet Insurance. I hesitated to buy insurance since I've had dogs all my life and never had any real expense outside of normal maintenance until recently with my 2 year old Havanese who was diagnosed with a Liver Shunt and needed surgery to survive. Filing claims is so easy and convenient on their mobile app and processed claims within 2 to 5 days with direct deposit.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Loretta - We are so sorry to hear about your pup's major liver shunt surgery and hope that she is feeling much better now. Thank you for taking the time to write your review and share your story. 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 your pup a big hug from us!
Tim S

1/29/2020
Fantastic insurance in every way! I have multiple pets and have been a client for several years. They are fast to pay and they make the claims process simple and straightforward. The reimbursement is via direct deposit (for me) and the whole process is quite seamless. I can't recommend them enough and they have great customer service to top it off.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tim - We are so glad that you trust Healthy Paws to protect all of your furry loved ones. We love hearing from our longtime happy Healthy Paws family members. Thank you for the kind words and please give your fur babies a big hug from us!
Karen S

1/28/2020
Buying pet insurance was the best decision we made after getting our new puppy. After his curiosity got the better of him, our 6-month-old puppy had to have emergency abdominal surgery to remove an obstruction. Healthy Paws honored the policy quickly and efficiently. We are very happy with their service.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Karen - We are so sorry to hear about your puppies' major foreign object removal surgery. Poor little guy. Hopefully, his recovery has been going smoothly. Keeping a puppy calm is no easy thing. Puppies are very curious, and sometimes they swallow things they shouldn't which can mean major surgery. Having Healthy Paws allows pet parents to give their sick or injured furbaby the very best medical care during an emergency like this without having to worry about the financial aspect. Thank you for the kind words and please give your sweet little pup a big hug from us!
S
Steve B

1/27/2020
Health Paws insurance has been great for our Basset/Pit Bull mix. Claims are paid in a resonable time without hassle. They have been great!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Steve - Thak you for the kind words and for taking the time to write your review. Please give your pup a big hug from us!
Jane S

1/27/2020
Healthy Paws is an excellent organization, and I say this because I had disappointing experiences with two other pet insurance companies. Unlike the others, Healthy Paws maintains wonderful customer relations and services. Best is that I can count on them to promptly reimburse me for medical costs. My miniature poodle had back surgery for a slipped disc. I was amazed that Healthy Paws paid 80% of a very costly procedure. Recently, she was treated for a serious digestive problem. Once again the reimbursement was sent right away. Now I no longer worry about the cost of taking care of my dog during a crisis, because I’m confident Healthy Paws will be there for us! Without... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jane - Thank you so much for the kind words regarding our amazing customer service and quick claims process. We are very sorry to hear that your pup recently needed major back surgery. Hopefully, her recovery is going smoothly. We are so happy to hear that having Healthy Paws gives you peace of mind in knowing that is anything ever happens to your furry friend Healthy Paws has your back! Please give your mini poodle a big hug from us!
abbyndexterperrault

1/26/2020
They reimbursed its of my dogs surgeries within a week. Both times they have emailed to check in on Abby to see how she was doing. The one time I called customer service with coverage questions the people were exceptional kind and helpful,

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
abbyndexterperra - We are very sorry to hear that your pup Abby needed surgery recently. Hopefully, she is doing much better now. Thank you for the kind words regarding our excellent customer service. We take great pride in having caring and kind customer care team members. Please give Abby another big 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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