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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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J
Julie G

7/15/2019
We are forever grateful that we have Healthy Paws for our dog. We would do whatever it takes for our sweet boy to be healthy. Healthy Paws gives us a peace of mind that we will be able to afford to do that. Healthy Paws allows you to customize your plan based on how much you want covered and refunded versus how much you want to pay a month. The process to submit a claim is so easy - my vets office was even impressed. A few clicks on the app and you are done! They communicate effectively where they are in the process. Granted, we are all looking at the pet insurance for monetary reasons but Healthy Paws goes a step further and they have called and e-mailed to check on our dog and... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Julie - Thank you so much for all of the kind words. We are so happy that having your sweet boy insured brings you such comfort and peace of mind. As pet parents ourselves we feel the same way! Being able to provide our furry friends with the best available medical care without having to worry about the cost is what having pet insurance is all about. Please give your sweet boy another hug from us!
Karen G

7/15/2019
I bought a Healthy Paws plan when we adopted our pug from the shelter 3 years ago. What a blessing! He's had some eye problems develop and we were able to see a specialist and get him surgery to try to restore some sight. They have covered 90% of his bills - better than my human insurance! The app is great for submitting claims and super easy to navigate. They are very prompt with reimbursements as well. Would highly recommend them to any pet parents. We also purchased a policy for our younger pet too, but he's been very healthy so far.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Karen - We are so happy that you were able to provide your sweet boy with the best medical care possible to treat your pups eye condition. Thank you for taking the time to write such a wonderful review. We pride ourselves on having an easy and straightforward claims process and speedy reimbursement. Please give both of your furbabies another big hug from us!
adi.benyosef

7/15/2019
Great great service, affordable price. I recommend ensuring your beloved pet here.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
adi.benyosef - Thank you for the kind words. Please give your furbaby a big hug from us!
R
Rikki G

7/14/2019
I rarely write reviews but Healthy Paws has exceeded my expectations in all regards. It is the the most amazing pet insurance, for that matter, any insurance that I have ever encountered. They are incredibly efficient, responsive, and caring. When was the last time your insurance company emailed to find out how you are feeling? Healthy Paws has reached out to me numerous times to find out how my dog is feeling. Their website is intuitive and easy to use. They follow up on claims very quickly, are very clear as to what they approve, and pay in a very timely manner. While my dog has had her share of medical issues they have not raised my premiums other than minimal increases. I really... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Rikki - Thank you so much for all the kind words about Healthy Paws. We are so happy that all of your experiences with our customer service team and with submitting and being reimbursed for your claims have been so positive. Please give your sweet pup one more big hug from us!
S
Sue F

7/14/2019
I am 77 years old and have had animals forever and have used several different animal health insurance companies over the years. Healthy Paws is by far the best and the most simple to use. If your pet is sick or injured, he is covered. The claim form is easy. It can be emailed to the company. They email that they have received the claim and that it is being processed. They email me when it is complete. I generally have a check within 10 days before my credit card bill is due. I love this company. They are sweet on the telephone, and their emails are also kind.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sue - We are so happy that you have been so pleased with your Healthy Paws pet insurance policy and thank you for all the kind words. We pride ourselves on having an easy to follow policy with limited exclusions, a simple claims process, and friendly and caring customer service. Please give your furry friend another hug from us!
John N

7/14/2019
HP RAISED MY RATES N24% IN ONE YEAR AND REFUSED TO JUSTIFY THAT INCREASE... AT THIS RATE MY 2 YR OLD WILL PAY 1000 PERMONTH AT AGE `0/// THERE IS NO MCONTROL OVER INSURANCE INCREAS4S AND THE BS THEY GIVE YOU CANTNBE SUBSTaiated... TOOO MANY CLAIMS MCAUSES A WHOPPING 24% INCREASE..... ASK FOR THE DATA AND THEY REFUSE TO SHOW...................BBB WILL NEED TO CHECK OUT CHUBB ON THIS ...

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
John, We understand that no one likes any form of premium increase. Our management team works hard to keep our premiums as low as possible while still providing comprehensive coverage. New technology, advancements in veterinary treatments, and overall claim costs are taken into consideration when assessing our rates. We have seen an increase in the frequency of high-value treatments such as anterior cruciate ligament surgeries, cancer treatments including chemotherapy, and foreign body exploratory surgeries performed by veterinarians. These are some examples of procedures performed during the last 12 months that ranged anywhere from $3,000-$16,000. Healthy Paws Pet Insurance is an admitted insurance provider, which means that we are approved in your state. States hold insurance companies accountable to meet their long-term financial obligations to pet parents. Your monthly premium is going up because the increase in claim payments has been faster than the premium increases in your state. As a result, we need to increase the premium level for all pets in your state so you and your pet can have continued access to the best veterinary care. Rest assured, we never penalize a client with higher rates for making claims. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of veterinary care. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website.
Lunice A

7/13/2019
I have been extremely pleased with Healthy Paws! Our 9 month old pup has had a series of unfortunate events resulting in emergency room visits and major hip surgery, plus medications and tests. Healthy Paws has been a life-saver in covering all of this, and filing a claim couldn't be simpler. I just go to their app, take a photo of my bill and send it through. They are excellent at letting you know where your claim is at in processing and in getting your check to you quickly. I don't think I've ever waited even two weeks to be reimbursed. I've also had conversations with reps to ask questions and they have been very kind and helpful. After our Hugo's hip surgery, I even got an email,... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lunice - We're sorry Hugo had to have that major hip surgery and hope he is doing well in his recovery. Thanks for all of your kind words regarding our easy to use phone app, claims/reimbursement process and friendly customer care team. Give your boy a big hug from us!
judy_paulson

7/13/2019
Just got Magnolia from a Labradoodle breeder in Oregon. She is a total love bug and want to make sure that if anything should happen to her that I will be able to get any treatment she may need.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Judy - Welcome to the Healthy Paws family! Give Magnolia a big hug from us!
K
Keyvan K

7/12/2019
We rescued Lola, a mix of chihuahua and spaniel, when she was 6 months old. The first time we had to take her to emergency room the bill was almost $800. We did not have Pet Insurance. The clinic recommended Health Paws Pet Insurance. This was the best decision we made . She is almost 6 years old now and in February she was diagnosed with IMHA ( meaning her immune system destroying its own red blood cells) and has been hospitalized twice. Once for 5 days and the 2nd time for 9 days. Currently the bills have exceeded $36,000 and Healthy Paws has paid almost 90% of the bills. Their claims department is not only extremely fast in processing the claims and issuing the checks, but also very... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Keyvan - We can't thank you enough for all of your kind words regarding our claims processing and customer care team. We're happy we can play a part in making sure Lola has access to the best available medical care as she deals with her IMHA. Give your girl a big hug from us!
D
David L

7/12/2019
I have never been so in love with a company. I signed up for Healthy Paws a few months before my dog was diagnosed with a mast cell tumor. While the diagnosis was scary, we never had to worry about affording the best treatment available. She has been on a very expensive low-grade chemo, for which Healthy Paws has reimbursed us about $35,000 over the last two years. They make reimbursement extremely easy. All you have to do is take a picture of the bill on the app and they'll send you a check within a week. You can also do direct deposit. Healthy Paws are literal lifesavers. If you have a dog or cat, sign up now.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
David - We are sorry to hear your pup is dealing with mast cell tumors but we are so happy that you have been able to provide her with the best medical care available without ever having to worry about the cost. Thank you for all the kind words regarding our easy claims and reimbursement process. Please give your sweet girl one more 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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