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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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jamie.m.roberts

12/18/2019
healthypaws has been nothing short of wonderful for us and our pet. The coverage is clear and not confusing, so we are able to safely estimate how much we'll get reimbursed for. The reimbursement itself is very quick and easy as a customer. The monthly charges do go up on an annual basis, but not in a way that seems out of line with the extra risk they take on with an aging pet. We'll be sure to use healthypaws in the future and for our next pet.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jaime- Thank you so much for the kind words regarding our straight forward coverage as well as our quick and easy claims process. It's people like you who are helping to raise awareness about the importance of having pet insurance for our furry friends. Please give your furbaby another hug from us!
amsfloyd

12/18/2019
I took out pet insurance on a whim, never thinking or hoping I would actually need it. I have never had pet insurance, but from past experience I know how emergency services can add up, so after much research, I chose Healthy Paws. Unfortunately my sweet Baxter developed some problems and I cannot express how great it’s been to have Healthy Paws. The decisions I’ve had to make were easy because I knew I could actually afford to give him the best health care for a longer life and Healthy Paws has made that possible.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
amsfloyd - We are sorry to hear that Baxter has been dealing with some health issues but we are so happy Healthy Paws has been by your side the whole way. Having a sick pet can be very scary and no pet parent should have to go through that alone Thank you very much for the kind words and for taking the time to write your review. Please give Baxter another big hug from us!
Kelly A

12/16/2019
I was hesitant to purchase pet insurance - it seemed expensive and unnecessary. Then my dog had an emergency vet visit and I quickly realized the value! I researched and compared brands and finally decided on Healthy Paws because it seemed like the best fit for what I was looking for. We have had this insurance for over 3 years and our 4 year old Golden Retriever has already used it several times. They cover 80% of our costs outside of standard well visits, etc. We had a very expensive surgery to remove a possible cyst and it was totally covered. Aside from the good coverage, I also LOVE how easy it is to submit claims. I usually scan my receipts and records while standing in the... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kelly - Thank you for the kind words regarding our simple and easy claims process, great customer service and quick reimbursements. We are sorry to hear about your pup's major cyst removal surgery and hope your Golden is doing much better now. Please give your furbaby big hugs from us!
Chris M

12/16/2019
I am not normally a review person…but sometimes a company goes above and beyond even my expectations and I feel they need to be recognized as such. My last dog had a lot of health issues and 13 years ago dog insurance was not talked about much. This past year I got a new puppy and decided from the get go to get insurance on her. I did my research and Healthy Paws came out on top across the board so I signed her up. It was the BEST decision I have ever made. No one can foresee the future, but it turned out during the first year of my new puppy’s life I would need that insurance time after time. From possible obstructions that resulted in exploratory surgery to gastrointestinal issues that... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Chris - We couldn't agree more about the importance of having pet insurance, especially during those crazy puppy years because you just never know what those little stinkers are going to get into. Having Healthy Paws pet insurance allows pet parents to give their pets the best medical care possible without having to worry so much about the costs. Thank you for all the kind words and for taking the time out of your day to write such a glowing and thorough review. Please give your sweet puppy a big hug from us!
laura.polden

12/16/2019
The hope of pet insurance is that you never have to use it. I have been a customer with Healthy Paws for two years before actually needing them! Unfortunately, life happens. Our cat ripped all ligaments in his knee and needed an immediate amputation. Pet care sometimes puts the owner in an impossible position. The expense toll it can take is incredible but having Healthy Paws backing me up made the choice easy. Once I submitted the paperwork via their easy to use app, it only took a week for the checks to arrive at my house. They covered 80% of the incredibly expensive surgery. Their customer service was knowledgeable and empathetic. The only downside is you have to pay upfront which can... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Laura.polden - We are sorry to hear about your cat's recent major leg surgery. Having an injured pet can be very scary and stressful which is why having pet insurance is so important. We actually do have the ability to pay your vet directly. Anyone can learn more by visiting the "Frequently Asked Questions" page of our website and look under the topic "Getting Reimbursed" for more information. Thank you for the kind words and for letting us know how your cat is doing after his major surgery. Please give your baby big hugs from us!
dillon.elena

12/16/2019
We've been very happy with Healthy Paws Pet Insurance. We're new to having pet insurance and were reluctant to purchase it, but with 3 dogs it seemed necessary. Healthy Paws is easy to work with, they do just what they say (!) and they are very prompt in paying claims. I especially appreciate how easy they make it to check everything online.....payments, progress of claims etc. I highly recommend Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Dillon.elena - We are happy to hear that your Healthy Paws experiences have been so positive. Thank you so much for the kind words and for taking the time to write your review. It's folks like you who are helping to raise awareness about the importance of having pet insurance. Please give all of your dogs another big hug from us!
M
Marguerite B

12/16/2019
We have had Healthy Paws Pet Insurance since 2014 without incident. Recently, our Daisy had a TPLO injury and the customer service reps at Healthy Paws couldn't have been more helpful. They walked me through the whole claim process and we were reimbursed for the surgery within one week. They also sent us a Get Well wishes for Daisy for a speedy recovery. That was so sweet! I highly recommend Healthy Paws Pet Insurance for all your pet insurance. They are fantastic

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Margurite - Thank you for being a longtime Healthy Paws family member and for the kind words regarding our helpful and kind customer service. We are very sorry to hear that Daisy needed major knee surgery recently. Hopefully, her recovery is going smoothly. Thank you again for taking to time to write your review and please give Daisy another big hug from us!
rockyride4life

12/14/2019
We have all three of our dogs insured with HealthyPaws but only one of them has been sick where we had to use the insurance. I can't praise HealthyPaws enough for the support that they've given as we've had to take our dog to the University several times for high fevers and pain that none of the local vets could determine the cause or the right treatment. To be able to focus on our dog's health and get the help she needed without worry about the bill was amazing and gave us such peace as our dog is a special part of our family and the peace of mind was worth her weight in gold. She is doing well, but has been diagnosed with a chronic problem that will most likely require that she remain... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
rockyride4life - Thank you for trusting Healthy Paws to protect all of your sweet pups. We are so sorry to hear that one of your babies has been dealing with health issues that will require ongoing treatments. Luckily Healthy Paws does not have caps or lifetime limits which means we will always be able to cover your pups' medications and treatments as long as she is covered with Healthy Paws. Please give all of your dogs a big hug from us!
gardiner.jeanette

12/14/2019
I’ve been incredibly happy with the coverage and service provided by Healthy Paws Pet Insurance. My claims have been processed very quickly and the prompt follow ups from a representative have exceeded my expectations. It lifts a tremendous weight off my mind knowing I can seek the best care for my two boys, a mixed breed and a Rottweiler, knowing that Healthy Paws will be there for us. I highly recommend them to any pet owner. Jeanette Gardiner, Tuck and Ryker

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jeanette - We are so happy to hear that you have been so impressed by Healthy Paws coverage and service and that having our coverage gives you peace of mind. Thank you for all the kind words regarding our quick and prompt claims processing and for the high recommendations. Please give your dogs a big hug from us!
patriciajpeterson64

12/13/2019
I was told I would be reimbursed at a 100% level less the deductible. Your representatives lied, no other way around it. I've been told by HP that they only offer 80% reimbursement. I will be shopping around for a more reputable company to do business with.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
We’re sorry if there was a misunderstanding regarding your policy coverage. Since Healthy Paws inception in 2010, the maximum reimbursement level offered has always been 90% (depending on breed, pet age and state of residence). This information is available on our website, in our printed materials and during the online enrollment process. When you enroll online, one of the steps a client has to take is choosing the deductible and reimbursement level for their policy and in your case, you chose the 80% reimbursement level. Also, once you enroll with us, we provide you within your online Healthy Paws account a Policy Declaration page that outlines your chosen deductible/reimbursement level for each pet enrolled. We're sorry that your babies were ill and hope they do well in their recoveries.
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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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