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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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Kate G

8/12/2019
I've had Health Paws Insurance for my two cats for several years now, and only needed it recently. My cat became ill and required quite a bit of extensive and expensive testing to diagnose and Health Paws came through with timely reimbursement on all the expenses. They made a stressful time a little easier by taking away the financial worries. I've been recommending them to everybody I know who has pets!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kate - We are so sorry to hear that your sweet kitty was ill recently. Having a sick pet is very stressful but we are happy to hear that you were able to provide your cat with the best medical care available without ever having to worry about the cost. Thank you so much for the kind words. Please give your kitty another big hug from us!
nicole.sorgi

8/12/2019
Healthy Paws is wonderful!! Great customer service and the app makes the entire process absolutely seamless. Just snap a pic of your vet bill and they take care of the rest. Highly recommend Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
nicole.sorgi - Thank you for taking the time to write your review, and for the kind words regarding our excellent customer service and easy to use app. Please give your furball a big hug from us!
S
Sheryl

8/11/2019
Healthy Paws says they will pay your claim within 10 working days. It’s true! Healthy Paws says there are very few exclusions. It’s true! Healthy Paws promises personal, caring service. It’s SO true. Man, am I ever glad I went with this company for my pet insurance. I could not be happier!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sheryl - We are so glad that you have been so happy with your Healthy Paws pet insurance policy. Thank you for all the kind words and for the wonderful review. Please give your furball a big hug from us!
peter.shrosbree

8/10/2019
My cat was listless and clearly unwell, so we took him to our vet, who could not find anything wrong with him. Over the next few days he got worse. At 1 am one morning he was having difficulty breathing so we took him to the emergency vet. He had developed pyothorax (pus within the chest cavity compressing his lungs), and without treatment would probably have died that night. After treatment and a week in hospital, he made a full recovery. The treatment resulted in a simply enormous bill which Healthy Paws paid promptly and without any difficulty. This is precisely how I hoped this insurance would work, and they exceeded my expectations by providing the correct service promptly and... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
peter.shrosbree - We are so sorry to hear that your kitty was so sick recently and required emergency hospitalization. Having a sick pet can be very stressful and scary. We are so happy to hear that he has made a full recovery, this is excellent news! Thank you so much for all the kind words regarding our fast and easy claims and reimbursement process. We hope to exceed all of your expectations for many years to come. Please give your kitty a big hug from us!
J
John L

8/10/2019
We have Healthy Paw Pet Insurance for the last 9 years and over this time our pet family grew from 1 to 3 dogs. In this time we needed to use the insurance provided by Healthy Paws on quite a few times and some of them included $1000 - $4000 vet bills. Some times we required to have 2 dogs at the same time to submit claims. We never had any issues being reimbursed and the reimbursement was issued very quickly. On occasions when the claim was serious they always ask how the dog was doing and hoped recovery would be good. The always sent a happy birthday email to all the dogs. I cannot express how good there service is and tell every pet owner I meet about how good Health Paws Pet... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
John - Thank so much for all the kind words and for being a long time Healthy Paws customer. We are so happy to know that we have been able to help you provide all of your pups with the best medical care available when they needed it the most! Please give all of your sweet pups one more big hug from us!
Renata S

8/9/2019
Healthy Paws Pet Insurance became truly our partner in caring for our two dogs. The staff is caring, responsive, accurate, and authentic (you could feel they actually care). They processed the insurance quickly and kept us informed during the process. We paid the bill and were reimbursed promptly. All the promises were kept and more -- they reached out to see how our doggy was doing. We did a lot of research before choosing this company. We found out that this was definitely one of the best ones. We have had this insurance for our dogs for almost three years and have already used them twice ( both times for serious surgeries) with great success. They also email the members a newsletter... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Renata - We are so happy that all of your experiences with Healthy Paws have been so positive. Thank you for taking the time to write such a wonderful review, and for helping to raise awareness about the importance of having pet insurance for our furry loved ones. We are so happy that you were able to provide your pups with the best medical care available when they needed it the most. Please give your furbabies another big hug from us!
S
Stephanie

8/9/2019
Healthy paws was extremely helpful and efficient in resolving my puppy’s insurance claims. The turn-around time from my initial filing of a claim to receiving my checks - was AMAZINGLY QUICK! Awesome. The customer service was also outstanding. Very pleasant to talk with and informative. Only thing that can be approved on is the pickup calls time when you call in - the hold time was a bit long each time I called in, but once answered the insurance agents are wonderful to talk with, polite and helpful. I give them a thumbs up 👍🏻😀 and the company itself a 👍🏻😀. Very glad I chose healthy paws as my insurance carrier for my puppy

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Stephanie - Thank you so much for all the kind words regarding our quick and easy claims process and our amazing customer service. We pride ourselves on having exceptional customer service and quick turnaround time for claims. We'd like to apologize for fo the longer than normal hold times recently and wanted to let you know that we are actively working on improving this process for all of our pet parents. Please give your puppy a big hug from us!
A
Ashley D

8/9/2019
My 2 year old Sheepadoodle was recently diagnosed with Addison's disease and healthy paws has been amazing. They not only covered all of his visits, treatments and medications but they also checked in to see how he is doing!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Ashley - We are so sorry to hear that your Sheepadoodle has been dealing with Addison's disease. Hopefully, your veterinarians can get his symptoms under control as quickly as possible. Thank you for the kind words and please give your sweet boy a big hug from us!
snyder.michelle.a

8/8/2019
Our yellow lab, Sully, recently had expensive tests to determine that he has a heart murmur and Dilated Cardiomyopathy. This may be an ongoing issue that we'll have to follow up on and test on a regular basis. We're so glad we have Healthy Paws by our side, as they covered every dollar that they agreed on when we signed up for coverage, and we received our reimbursement in an extremely timely manner. They then followed up by email to check on how Sully is feeling. We HIGHLY recommend Healthy Paws! :)

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
snyder.michelle.a - We are sorry to hear that your lab Sully is dealing with some heart issues. Having a sick pet can be a very stressful situation which is why we are so happy that you will be able to provide Sully with the best available medical care without having to worry about the cost. Thank you for all the kind words and please give Sully one more big hug from us!
Dee-Dee A

8/8/2019
Healthy Paws is an integral part of my dog's life. It is an amazing organization that truly cares about pets and their pet parents. As my dog gets older, it is reassuring to know that Healthy Paws will be with us every step of the way. Healthy Paws is one of the best organizations I have worked with - whether for people or for animals! Everyone at Healthy Paws is attentive, compassionate, responsive. I wish there were more organization out there like Healthy Paws who genuinely put the welfare of pets first.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Dee-Dee - Thank you so much for all the kind words. We pride ourselves on being compassionate, attentive and responsive with all of our pet parents. Please give your pup 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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