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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
Joann

5/6/2019
I have been a Healthy Paws customer for about 5 years now and have 2 policies, one for each of my dogs. When I purchased these policies I expected filing claims to be tedious, to be denied constantly, and to want to cancel. Let me tell you how I couldn't have been more wrong. This company is hands down amazing. Filing a claim takes me seconds online, the customer service is ABOVE top notch, they actually care, (Mary in customer care provided me with the best experience I have ever had when dealing with a company.), and my claim has never been denied. They cover what they say they will. If you do your research and read your policy, they break it down exactly how it is. No surprises. I will... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Joann - We appreciate you being part of the Healthy Paws family over the years. Thanks for all of the kind words about our customer care team, coverage and claims processing. Give your babies great big hugs from us!
tbaxter212019

5/6/2019
I love Healthy Paws- my 6 year old lab had to have ear surgery at Texas A&M due to chronic ear infections and the cost was covered 100%- it truly can help pet owners take the financial aspect out of having to make difficult decisions regarding care for their pets.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
tbaxter212019 - Glad we could help with your buddy's ear surgery. Give your pal a big hug from us!
Regine R

5/6/2019
I can't say enough good things about Healthy Paws. We first signed up for it through an offer at the college where I work, and when I told people we had done so, I got a lot of comments about how we should just open a little savings account and put the amount we'd put toward the premium in there instead, leaving us with cash if Renard never needed it. Well, we don't have human kids; Renard is our baby and treated as such - and guess what? About four years after we rescued him, he developed very serious heart disease, and his twice-yearly cardiologist visits ALONE cost more than we put into the purchase of his policy... and that doesn't even begin to include the cost of a recent stay at... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Regine - We're glad we we reduce your financial stress while dealing with Renard's ongoing cardiac issues and happy he's doing so well! Thanks for the kind words about our efficient reimbursement process. Give Renard a big hug from us!
J
Jacqui M

5/6/2019
Thank you for writing me to check on her. As you know, our 16mo Frenchie puppy, Delilah Jane, suffered a blunt force trauma injury from being hit by a car. This caused her abdomen to rip away from the tendon that runs down her belly, creating a large hernia in the muscle. As a result, her liver was pushed up against her lungs and one of her right lung lobes collapsed. I don’t remember crying so much in my life. Well, I want to let you know that she had her stitches removed last Monday and she is doing very well. She’s gained a pound and a half since her surgery, and is back to playing with her best friend Freckles, a rat terrier we adopted after his owner died. Because of her... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jacqui - We're so sorry Delilah Jane was involved in that car accident, but glad she is doing so well now! Thanks for all of your kind words. We're happy we could play a part in making sure your girl had access to the best available medical care. Give Delilah big hugs from us!
Brad L

5/4/2019
Very very good insurance. Very very well run company with some wonderful staff! Our 29 claims were all honored to my satisfaction on the first round for about $4,300 in reimbursement checks over 2 1/2 years. Extremely easy to file claims with app or online. Good rates - nice balance of lower rates traded for a few less things covered (explanation below). Very helpful, friendly, and caring customer service. Modest annual increases (about 7%). They even allowed me to back-file 2 1/2 years of claims!!! Wow! They basically covered 90% of all diagnostic testing, medicine, and treatment for all the sicknesses & injuries beyond the $500/yr deductible, all rapidly without dispute.... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Brad - We appreciate you taking the time out of the day to write your review. Thanks for the kind words regarding how our team was able to work with you on those old claims. Glad we could be there to help!
Janice H

5/4/2019
Excellent customer service. Excellent insurance Highly recommend this insurer for every pet

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Janice - Thanks for the kind words about our customer service and for your recommendation!
G
Ginny K

5/3/2019
Healthy Paws pet insurance has been top notch. My dog has always been healthy up until recently. It's been one thing after another with numerous, costly different vet visits including specialists. He's had X-Rays and blood work multiple times, an ultrasound, and eye surgery. It's very stressful to go through this with my beloved animal but Healthy Paws took that financial worry away. It is extremely easy to submit a claim on the app. You simply take a picture. Your reimbursement can be set up to get directly deposited into your bank account. It takes hardly any time at all. They update you throughout the process and the best part is that the money has always been in my account by... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Ginny - We're sorry your boy has had those health issues, but glad we've been able to reduce some of the financial stress. We appreciate your kind words about our easy to use phone and and reimbursement process. Give your boy a big hug from us!
M
Myrna W

5/3/2019
I applied for insurance for my dog a week ago and have yet to receive any response whatsoever. I included payment. Waiting to hear.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Myrna - We'd like to welcome you to the Healthy Paws family. Since we are a "paper light" company, we sent you a welcome email the day of your enrollment using the email address you provided when setting up your account. It contains information on your policy and access to your new Online Healthy Paws account. In that account you'll be able to access all of your policy documents and make changes to your policy if needed. Give your baby a big hug for us!
S
Sheila V

5/3/2019
We are the proud parents of a beautiful pug named Rosie, who is just 3years old. Being parents of previous pugs we understand the health issues that could plaque this little guys. Over the years we had various insurance companies that promise you the world, but when it comes to deliver, they fall short. When I found Healthy Paws I questioned their policies. I couldn't believe there was a $100.00 deductible available along with the 90% payment of the bill, excluding doctors fees. I asked if this was 90% of MY BILL or the national average. MY BILL was the answer. These last 3 months have been upsetting as our pug had issues with her bladder . We started with medicine, then went... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sheila - We're sorry Rosie was having such serious bladder issues and glad she is finally back to her happy self! Thanks for taking the time to speak about our annual deductible and reimbursements based upon your actual invoice - not on a fee schedule or "usual and customary charges". So happy we could relieve some of the financial stress and let you focus on Rosie. Give her a big hug from us!
J
Jay D

5/1/2019
I have been with Healthy Paws for the past 3 years and recently had to contact them for expenses related to my dog’s surgery. The customer service and support was outstanding - very professional and thoroughly explained the claim process. I submitted my claims via the iPhone app, which was extremely easy to use. I received immediate feedback indicating receipt of the claim and then another email detailing specific coverage. I received my claim reimbursement check within a week of initial submission. Likewise, I received an email from Healthy Paws after my dog’s medical procedure inquiring as to how she did with her surgery. I am grateful I have Healthy Paws insurance and most... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jay - Thanks for taking time out of your day to write your review. We appreciate all of your kind words about our phone app, customer service and claims processing. Give your girl a 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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