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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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Tina H

6/27/2019
The entire process was very fast and very easy. My dog had a tplo surgery and the reimbursement was in my account within 3 days of submitting the claim.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tina - Having a pup go through a major leg surgery and then rehabilitation is never easy on us pet parents. We are so happy that your claims were processed so quickly and easily. We pride ourselves on having a simple and easy claims process for all of our pet parents. We hope your pups rehab is going well, and please give your furry friend one more big hug from us.
Karen D

6/25/2019
I have been with healthy paws for years. They make is simple to treat my dog with no worries. Sumbit a the claim no issue. Healthy paws #1.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Karen - We are so happy that your experiences with Healthy Paws have been so positive over the years and we thank you for the 5-star rating. Please give your fur baby a big hug from us.
J
James

6/25/2019
Hands down the best coverage you can get for your fur baby! Our poor little frenchie has had two major surgeries in the past 18 months and several other issues with things like allergies and copd. We have submitted A LOT of invoices and statements and have never had an issue with one single item. The only time I’ve received an email in response to his treatment was to say “we’re checking in” and wishing him well. If you’re looking for insurance for your pet, honestly stop your search now and save yourself the time and trouble and signup with healthy paws today!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
James - Thank you so much for all the kind words. We are so sorry to hear that your sweet little Frenchie has had 2 major surgeries in the last 18 months, poor thing. As pet parents ourselves we know how stressful it can be when our furry friends aren't feeling well. We hope your sweet Frenchie is feeling better after those surgeries. Please give your furball another big hug from us.
A
Angelica

6/24/2019
We had this insurance for two years and never submitted a claim. My dog had an impact injury and her leg when lame. She had to have surgery. First Healthy Paws denied the claim saying it was preventative so I had the vet write a letter. Then I resubmitted and they said they couldn’t read the PDF invoice from the vet. Then I resubmitted and they said it was a pre-existing condition. Two years later??? My vet even confirmed that it wasn’t and they still denied the claim. They are supposed to process claims in 10 days. This was two months of them denying me sending information to refute their reason and them finding a new one. Do not waste your money. They have loads of bad reviews they try... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Angelica - We are never happy when we have to deny a claim for a client. We appreciate you providing your pet’s medical records and resending when the copies we received were unreadable. Even with today’s technology, there are still issues with fax quality from time to time. We’ve also been helping an unusually large number of sick pets in the last few weeks which caused the delay in your claim processing. We apologize for that delay and have been proactively implementing solutions so this does not happen in the future. All claim decisions are based off of your pet’s medical records and the signs/symptoms that are noted in those records. Most pet insurance companies including Healthy Paws use a pet's medical records to determine if there are any pre-existing conditions which would keep us from approving a claim. Since the medical records that were provided to us show the sign/symptoms of the current issue to be pre-existing, we could not cover your claim. I regards to our reviews, our pet parents are passionate about their pets, just like you, which is why we have both positive and negative reviews. We don’t have the ability to manipulate or cover up any review posted by an individual. Our goal is to provide a response based upon the content of the review while adhering to our corporate privacy policy which protects our customers private information. We’re sorry to lose you as a client and hope you and your pet stay well.
Samantha N

6/24/2019
My cat got into something in the house while I was away and had to be hospitalized for 2 weeks, and had a stomach tube placed for well over 2 months. If it weren’t for healthy paws, my cat would not be here. The fact that they don’t have a limit played a huge role as well. They paid exactly what they said they were gonna pay, no questions asked. I would not consider any other insurance company.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Samantha - We are sorry to hear that your cat had a major health scare recently and that she was hospitalized for multiple weeks. That must have been very stressful. We are so happy that we could play a part in making sure your cat had access to the best available medical care possible, and that she is still with you today, this is amazing news! Please give your kitty a big hug from us.
K
Kaitlyn B

6/22/2019
I am so thankful to have found healthy paws and that I signed up when I did. After months of diagnostic tests, surgery, and physical therapy it was reassuring to know that all of it would be covered. All I had to stress about was getting my pup feeling better, not the cost. In the past I had pet insurance through a company that often fought me on what should be covered or only covered low percentages leaving me questioning the treatment my animals need. With healthy paws they receive all the care they need because I am confident that healthy paws has our back. Submitting a claim takes less than a minute and I receive my reimbursement very quickly. Healthy paws also reaches out to see how... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kaitlyn - Thank you for the kind words regarding our easy claims and reimbursement process. Having a sick pet is never easy so we are so glad we were able to help by making sure your furball has access to the best medical care possible. Please give your furry friend one more big hug from us!
M
Matt

6/22/2019
I can't recommend Healthy Paws enough. When we first shopped around for pet insurance, I read plenty of stories about "scam" policies that don't help when you need it most. Trust me, Healthy Paws isn't one of those companies. When our 6-year old pup suddenly needed dialysis, I called their customer service line to confirm his care would be covered and they assured me they would help. After too many dialysis sessions to count, extensive testing to identify the cause of illness including an unexpected kidney biopsy, and a four week stay at the vet hospital with 24/7 care, they kept their promise and covered 90% of the cost. When we finally took our boy home, they worked directly with... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Matt- We are sorry to hear that your pup recently needed dialysis for major kidney issues. Thank you so much for all of the kind words regarding our policy and customer service. We pride ourselves on having exceptional customer service so we are so happy to hear that your experience has been so wonderful! Please give your pup another great big hug from us.
T
Tina H

6/20/2019
Thanks to Healthy Paws, we were able to get our dachshund admitted to the hospital for emergency treatment and ivdd surgery without a hassle. There is nothing more stressful or heartbreaking than to be given just two choices from a surgeon: life-saving surgery (if you can afford it) or euthanasia (if you don't have $$$ or insurance). Having much-needed pet insurance allowed us to focus on caring for our dog and to get him the best medical care possible.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tina - Thank you so much for the kind words. We are very sorry to hear your little dachshund needed major back surgery. Hopefully, he is feeling much better now. Please give him a big hug from us.
Christina D

6/20/2019
I have a 7 year old English Bulldog who has been insured by Healthy Paws from the day we brought him home at 9 weeks. While we've had the good fortune to have a healthy dog, unforeseen health issues do arise and most recently, our sweet boy had a very serious bout with aspiration pneumonia that involved an extended stay with the vet, numerous tests and several medications and follow-up care. Healthy Paws came through for us as they always have. Knowing you have a good pet insurance policy in place when unexpected events like this arise definitely helps keep the stress at a manageable level. Being able to say yes when the doctor presents you with a daunting itemization is invaluable and... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Christina - We're sorry to hear that your sweet Bulldog was fighting a bad case of pneumonia recently. It's so good to hear that he's feeling much better now. Thank you for taking the time to write such a wonderful review. We agree that having pet insurance is one of the best decisions a pet parent can make. Please give your boy another big hug from us.
Heidi C

6/19/2019
So glad I purchased the Healthy Paws Insurance for my dog! My dog just had major leg surgery which was very expensive. Healthy Paws quickly reimbursed me for the percentage that I agreed to. They even emailed to inquire on how my dog was doing. I highly recommend HealthyPaws!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Heidi - We are sorry that your sweet pup needed a major leg surgery recently. Thank you for the kind words regarding our fast and easy reimbursement process. Please give your pup another huge 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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