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Healthy Paws Pet Insurance Review

3,291 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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3291 Customer Comments & Reviews

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Lori O

1/2/2024
I signed up in 2011 with Healthy Paws for a new pup I got from a rescue. My beloved schnauzer fell seriously ill in Dec 2023, and was hospitalized for over 3 weeks in the vet ICU. The bill was a staggering $22k, and Healthy Paws covered most of it. They are compassionate and fast, and while I lost my dog on Christmas Day, I was able to give him the best care because I had Healthy Paws working with me. Five stars all around!

Amber D

12/29/2023
Healthy paws made it possible for me to afford IVDD surgery for my 2 year old dachshund. They have been so helpful and caring! Thank you so much.

M
Mark

12/15/2023
My 5-1/2 year old Pitbull needed surgery for a ruptured Cranial Cruciate Ligament. I am a Healthy Paws Pet Insurance customer. I submitted all the invoices related to the CCL injury to Healthy Paws, totaling more than $10,000. Healthy Paws responded with an Explanation of Benefits within two days every time. A reimbursement check for covered items was direct deposited within a day or two after that. It was a no hassles service with quick response. They go above and beyond by following up to make sure your pet is okay and that you are satisfied. I highly recommend Healthy Paws Pet Insurance.

luther.elizabeth

12/14/2023
I am so thankful to have chosen Healthy Paws Pet Insurance for my German Shepherd. Did not have a need to submit a claim for quite a few years, and admittedly there was the occassional thought during that time questioning whether it was worth it to continue covering my dog. And then June of 2022 began the first of three huge health events that necessitated filing a claim. Was a bit apprehensive to file the first claim, but the excellent customer service and ease of submittal quickly calmed my nerves. Appreciate how transparent and straight forward the policy is and the explanation provided between submitted invoice and decision on claim. And everything is received and processed in a... Read More

Laura S

12/14/2023
We love this insurance company, my dog needed emergency bladder surgery and they made it so easy and got back our money so quickly and they also emailed me to see how my dog was doing!!!

L
Lisa L

12/12/2023
Healthy Paws has been amazing! Our pup had torn her ACL and had to have surgery. Throughout the process, Healthy Paws was amazing. It was easy to upload all the documents from her surgeon and her vet for the claim. Communication was spot on and our claim was processed, and paid in less than 10 days! Oh, and they even checked on her during her recovery! Thank You Healthy Paws!! Mike, Lisa and our pup, Miss Brandi

B
Babak R

12/6/2023
I’m also grateful for the unwavering support that Helathypaws have given me and my cat Luna throughout the years. I honestly didn’t think much of pet insurance companies and even considered not having one as I thought it would be a waste of money because insurance companies never pay out anyway, so why pay them a monthly subscription? I’m so happy that I was wrong and I can confidently say that Healthypaws has exceeded all my expectations. Their smooth, very streamlined, straightforward process and web portal for claim submissions etc. is the best I’ve ever seen. Seriously: many of the human health insurance companies could learn a thing or two from them. I’m recommending Healthypaws to... Read More

skihawkracers

11/25/2023
I have had Healthy Paws insurance for one of my dogs since he was a puppy, and he is now 7 years old. I have been very pleased with the coverage and service I receive from Healthy Paws. I am reimbursed for eligible services days after submission to Healthy Paws. Over this past year my dog has been treated for an unknown shoulder injury that just seems to defy the many approaches to rid him of his pain. Healthy Paws has covered all the treatments submitted and continues to do so as we get closer to a diagnosis that will hopefully result in resolving his pain, muscle atrophy and limping. I recently switched my other dog over to Healthy Paws Pet Insurance because of the great coverage... Read More

brettpugliese

11/23/2023
We've had Healthy Paws pet insurance for our dachshund since we got him four years ago and have always had a positive experience with claims being processed easily and quickly. He recently needed emergency spinal surgery and hospitalization for three days. Even though this claim was extremely high and included three pages of charges, everything was processed quickly, helping us avoid any financial difficulties in caring for our little man. On top of that, they reached out to us to see how he was doing. It was a very pleasant surprise to see an insurance company care so much. We've recommended Healthy Paws to all our friends with pets.

doran.leitzell

11/20/2023
We have used Healthy Paws pet insurance since 2017. Our cat got the best care we could give and Heathy Paws was a huge part of his quality of life. We had major surgeries covered. We have long term medications covered. Healthy Paws was also fast to complete and cover claims. Rocky was part of our family for almost 15 years and we thank Healthy Paws for helping our family. Truly a worthwhile investment for times of need. 🐾 DL and K

Top Rated
  • 25% discount on all in-office medical care 
  • Pet wellness plans available
  • No age restrictions
  • Covers pre-existing and hereditary conditions
  • Discounts available immediately on sign-up
  • A+ BBB accredited company
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