We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. Learn more
  1. Home
  2. Pet Insurance
  3. Healthy Paws Review

Healthy Paws Pet Insurance Review

3,292 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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.
 
VIEW RATES

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

Our Comments Policy  |  How to Write an Effective Comment

Leave a comment for Healthy Paws Pet Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

3292 Customer Comments & Reviews

Loading Reviews ...
crossen.tess

8/20/2019
It was confusing to figure out which Pet Insurance company to use. I picked Healthy PAWS because they are rated the highest. It was the best choice to make. When I bought insurance, my dog was a 4-month-old puppy. I never thought I would need to use it before she became a senior. Well, at just 2 she was mauled by 2 dogs mistaking her for a groundhog. She was in terrible shape. Healthy PAWS guided me the whole step of the way to ensure great care and hassle-free vet payments. They have even called to check up on her. I want to encourage vet practices to partner with Healthy PAWS. Honestly-they make sure that it is a no-wait win-win for everybody.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
crossen.tess - We are so sorry to hear about your little pups major bite wound injuries. Having an injured pet can be very scary and stressful but we are so happy that you were able to provide her with the best medical care possible when she needed it the most! Thank you for the kind words and for letting us know that your sweet girl is doing much better now after that scary situation. Please give her more big hugs from us!
C
Carol L

8/19/2019
Healthy Paws has the absolute easiest method for filing a claim. You take a picture of the receipt, attach it and you are reimbursed. I wish that my health insurance worked this well.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Carol - Thank you for taking the time to write your review and for the kind words regarding our straightforward and easy claims process. Please give your pet a big hug from us.
R
Ruth L

8/19/2019
After I spent thousands of dollars getting my dog's broken toe fixed, I looked into pet insurance. I had only heard of VPI, and I wasn't impressed by the kind of coverage they offered (at the time, I have no knowledge of what their current policies cover). In my research I looked at things like what was covered and what the limits were. My main objective was not to cover ordinary expenses, but to be able to make decisions about major health care options without having to worry too much about cost. I ended up with Healthy Paws, because it covered everything I wanted covered and the coverage was unlimited. My dog has been covered for six years and is now 14. I've only made a few... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Ruth - We are so sorry to hear about your pups recent health issues and major hospitalization. We hope she is feeling much better now. Thank you for the kind words regarding our easy claims process, friendly customer service and for being such a loyal long-time Healthy Paws customer. Please give your sweet girl a big hug from us!
Kelly R

8/18/2019
Very easy to submit claims and I have had great turn around on getting claims processed and payment received. I am a veterinarian and I recommend this company above all others.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kelly - Thank you for the kind words regarding our fast and easy claims and reimbursement process. We love protecting veterinarians pets so thank you so much for the recommendations and for giving us the opportunity to protect your furry friends.
mcnulty.mel

8/18/2019
Healthy Paws made it possible to save our fur baby’s life. He is a three year old Rhodesian Ridgeback and we went to the vet with an eye injury and learned it wasn’t healing because he didn’t have any platelets. After a week in the emergency room and multiple tests, he was diagnosed with Immune-mediated thrombocytopenia. It was a very emotional stressful time and we thought we were going to lose our baby. We are so grateful and appreciative that we had Healthy Paws so we weren’t also burdened with financial stress of taking care of our guy. Now we have to routinely visit the vet for bloodwork and keep him on medication, so we have had multiple claims and we have never had any issues... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
mcnulty.me - We are so happy to hear that your fur baby is doing better now after such a close call. No pet parent should ever have to decide between their pets life or providing them with the best available medical care. Thank you so much for all 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 for our furry friends. Please give your boy a big hug from us!
Shannon H

8/17/2019
Worst cust service in a very very long time . Literally on hold at this moment for 50 mins. A month since I’ve submitted my claim and nothing . Second time I’m having to call in

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Shannon - We’re sorry that your pet wasn’t feeling well. We apologize that our current customer service has not met yours or our expectations. We recognize that our hold times have been longer than expected recently and appreciate your patience. We have also been helping an unusually large number of sick pets at this time and that has increased our claims processing time. We have been proactively adding more customer care staff so that all policyholders can get the their claims and customer care issues resolved as quickly as possible. The delay on your claim was in regards to our need for additional medical records. Our team contacted you today to explain the issue and what will be needed for future claims. The claim you submitted was processed today. Your Explanation of Benefits was sent for the claim to the email address in your account. Give your baby a big hug for us.
R
Raina

8/16/2019
I really can't thank Healthy Paws enough for their help during such a stressful time with my my girl (a small dog named Sophie). First she got diagnosed with Cushings, which requires multiple tests and medication (which is not cheap)! Healthy Paws paid their 90% of the plan I am enrolled in. It was simple with the app, easy and no hassle at all. I thought that was it as far as health problems for her, but then suddenly she went into heart failure and spent sometime in the ER. The bill was $3600. I was so stressed out, but they said they would cover it. I paid on my credit card and submitted it thru the app, and again without any hassle they paid 90%. I strongly feel I was lucky... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Riana - We are so sorry to hear that your sweet pup Sophie has been dealing with these major health issues. We understand just how stressful and scary it can be to have a sich or injured pet. We are so glad that you will always be able to provide her with the best available medical care without having to worry about the cost. Thank you so much for all the kind words and please give Sophie another big hug from us!
J
JUDY C

8/15/2019
PAID QUICKLY AND WITHOUT ANY WORRIES....EXCELLENT CUSTOMER SERVICE....AFFORDABLE....DON' HESITATE!! LOVELY PEOPLE WHO CARE.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Judy - Thank you for the kind words and for taking the time to write your review. We are so happy that your customer service experiences have been so positive. Please give your furry friend a big hug from us!
L
Laura K

8/13/2019
I cannot express how fantastic Healthy Paws is. I've been their customer since 2012, when I first got my Shiba Inu puppy. Earlier this year, my vet found that he had two cracked teeth that needed to come out - needless to say, this was a stressful situation all around, but Healthy Paws made it easy to make the decision to go ahead with the surgery. Their staff was friendly on the phone when I called to be sure I was covered, and were careful to consider all the details to make sure I knew what to expect. They covered everything just as advertised, and even reimbursed me for test that were run for the surgery as part of the annual checkup when it wasn't immediately apparent they were for... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Laura - Thank you so much for all the kind words and for being such a loyal Healthy Paws pet parent. It's people like you who are helping to raise awareness about the importance of having pet insurance for our furry friends and we thank you for that. We hope that Tonka is feeling much better after his major dental surgery. Please give him one more big hug from us!
M
Mark M

8/13/2019
Healthy Paws has been amazing relative to other pet insurance horror stories we've heard from friends/family. There is no way we would be able to financially swing the thousands of dollars of testing for our puppy to diagnose her auto-immune disease had it not been for this insurance program. The ease of use was equally as refreshing in the midst of trying to navigate larger animal care hospitals/systems. Literally effortless: use the app to upload the receipt, submit the claim, and move on with your life! Rated a 4.5 because It's a bit more pricey than other providers but for us worth it to avoid all the red tape.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Mark - We are very sorry to hear that your puppy has been dealing with some auto-immune issues. Hopefully, with treatment, she can begin feeling better soon. Thank you for the kind words regarding your claims experience and our easy to use app. Please give that sweet puppy 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
READ FULL REVIEW >
VIEW RATES

Related to Pet Insurance

Top Articles
Suggested Comparisons