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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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Jenny S

10/29/2019
One of our little guys woke up paralyzed; we rush to vet and then ER. He had surgery and will start therapy in a couple weeks (which is ALSO covered!!). I submitted the invoice and it was processed in less than a week, no questions or concerns. I called to asked about therapy coverage and the person was so helpful and asked how our guy was doing. I also received an email asking how his healing is going!!! This company gets me!! <3

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jenny - We are so sorry to hear about your little pup's recent paralysis issues. Hopefully, the surgery went well and his rehab is going smoothly. Thank you for the kind words and please give your little guys a big hug from us!
Rebecca A

10/29/2019
I am sure you hear this a lot but my Lilly is a baby. I can't tell you how stressful it was knowing she was going in for a major surgery at her age and such a painful one at that. She really needed this surgery because her chronic ear infections were just getting worse and worse. Her quality of living was not optimal and something had to be done. Having this insurance policy was a beacon of light to me because I didn't have to worry about the money but instead focus on my baby's health and recovery. It was a horrible few days of recovery but today almost two weeks later, she is happier and healthier. She gets her stitches out tomorrow and from the results of the culture, her infection was... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Rebecca - We are so happy to hear that Lilly is doing so much better after her major ear infection surgery. Having a sick pup can be very stressful so we are so glad that we were able to help during a time of need. Thank you for the kind words and please give Lilly another big hug from us!
N
Nicola s

10/28/2019
Healthy Paws is the only reason my staffie is alive today. My puppy came down with an awful infection. The first week in the hospital was $17,000.00 alone. The assistance and care I received from the Healthy Paws staff was amazing. There was no "questioning" of the bill, no delay in payment, and the staff seemed to genuinely care. We have both of our pets with Healthy Paws and would never go with another company. We often recommend Healthy Paws to friends and after they compare other companies, they also end up with Healthy Paws. You cannot go wrong.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Nicola - We are so so sorry to hear about your pup's major infection. That sounds like a very scary ordeal. We are so happy that Healthy Paws was able to help you and your pup when you needed it the most. Thank you so much for the kind words and for letting us know that your dog is on the mend. Please give that sweet pup another big hug from us!
S
Scott L

10/28/2019
I have been paying into this plan for a year and a half. I’m so glad I made the decision to buy this insurance! Recently my dog suffered multiple herniated discs and lost his ability to walk. Surgery was one of two options with the latter being euthanasia. Thanks to this insurance paying 90% ish (exam fees were excluded) of the total cost I didn’t even have to consider euthanasia. The dog is on the mend and within 5 days the reimbursement was in my account.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Scott - We are so sorry to hear about your pup's major back issues. Hopefully, your dog is recovering well after such a major surgery. 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 and we thank you for that! Please give your pup a big hug from us.
Drew H

10/28/2019
Healthy Paws and the claim process is very easy. You can link your bank account to your account which helps speed up the reimbursement process. After having to submit a number of claims on my dog Roxy, I'm thankful we have Healthy Paws insurance. We'd be over $2000 of expenses and for most items, we get the 90% rate reimbursement. Keep up the good work Healthy Paws!!! Thanks-Drew

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Drew - Thank you for the kind words regarding our super easy claims process and convenient direct deposit feature. Please give Roxy a big hug from us!
C
Colleen M

10/28/2019
Our 4 month old golden doodle broke her leg a few weeks ago. We had to make visits to the ER vet, our vet plus have surgery. Healthypaws processed and paid all charges (excluding office visit charge) within 10 days if not sooner. Two weeks after surgery I also received a personal email asking how Maddie was healing after surgery. I have been so impressed, would recommend them highly.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Colleen - We are sorry to hear about your sweet pup's major leg injury. Having an injured pet can be very stressful and scary but we are so happy to hear that she is feeling better and recovering at home with her family. Thank you so much for the kind words and high praise. Please give your little doodle another big hug from us!
mikeshirkhan

10/25/2019
Great service. Outstanding customers service. The company you can count on...I am glad i picked the right insurance company for my Dog. My Dog had a major surgery and they were with us all the way to the end. Thank you Michael

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
mikeshirkhan - Thank you for the kind words regarding our outstanding customer service. Although we are sorry to hear that your dog needed major surgery, we are so happy to hear that having Healthy Paws pet insurance was a major relief during such a stressful time. Please give your pup a big hug from us!
beckiennen

10/25/2019
I have had Healthy Paws insurance for my dog for 2 years. 1 year ago she started limping occasionally, which progressively worsened to the point that she was walking on 3 legs after exercise. Our vet and a specialist diagnosed her with a torn ligament and surgery was recommended. The surgery was covered fully by HealthyPaws and I was refunded within 1 week of submitting the claim. Thank you!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
beckiennen - Thank you for the kind words and for taking the time to write your review. We are sorry to hear that your pup needed major knee surgery. Hopefully, her recovery is going smoothly. Thank you for being a part of the Healthy Paws family and please give your sweet girl a big hug from us!
maryaliceclay

10/23/2019
I can not say enough about the benefit of having Healthy Paws Insurance! Our lab Bailey was diagnosed with immune-mediated hemolytic anemia in 2016 and we have been on a roller coaster ride since then. She has had blood transfusions and IVIG treatments. She is doing well now with the help of lots of meds, good veterinaries and Healthy Paws Insurance. The expenses were a lot but with the insurance it is possible for us to keep her with us. She is feeling good and looking GREAT! I would recommend every pet owner to get Healthy Paws Insurance!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
maryalicelay - Thank you for the kind words and for taking the time to write your review. We are so happy to hear that your pup Bailey is doing so well with her anemia issues. Having pet insurance allows us to focus on our pets when they are sick or injured instead of worrying about the cost. Please give Bailey another big hug from us!
ggerrish25

10/23/2019
Amazing company and excellent customer service with no hassle at all on coverage. My dog had to have emergency surgery for bladder stones and Healthy Paws was there for us every step of the way. They even emailed to check on my dog following his surgery which, to me, earns a 5-star review all on its own. Thank you HP for caring about and loving my dog as much as we do.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
ggerrish25 - We are so sorry to hear that your pup recently needed emergency bladder surgery. Poor thing. Thank you very much for the kind words regarding your customer service experience, we take great pride in providing our pet parents with excellent customer service because like you said we do care about and love all of the Healthy Paws pets. 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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