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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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A
allison l

5/1/2019
I have had Healthy Paws insurance for my dog for almost five years, and it was one of the best decisions I made. In the past 14 months, my dog has had TPLO surgery on both knees. One knee went perfectly, the other knee had every rare post-op complication known to dogkind, which resulted in two more surgeries, plus physical therapy and many, many x-rays and tests. Healthy Paws has covered everything--even the physical therapy! It's super easy to submit a claim, and I get a reimbursement check in the mail within a week. They have never questioned or denied a claim, and everyone I've talked with or emailed with there has been incredibly friendly and helpful. I can't recommend them enough--I... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Allison - We're sorry your buddy had to have those leg surgeries, along with the complications. Happy that we could play a part in making sure there was access to the best available care your dog needed. We appreciate the kind words about our customer care team. Wishing your dog a speedy recovery!
D
Diana S

4/30/2019
The best company out there. Very easy to deal with. When I adopted my cat I enrolled him. Worth every penny

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Diana - Thanks for the kind words. Give your kitty a big hug from us!
A
Annie M

4/29/2019
My 7 month old Goldendoodle, Quincee, wouldn't eat breakfast one morning, only grass, and I knew something was wrong. My regular vet had no openings so I took her to the emergency vet. X-rays showed what appeared to be rocks in her intestine, which she passed, but an ultrasound the following day revealed an obstruction she could not pass. Emergency surgery was performed and a piece of rubber toy she had dug up in the yard along with all that grass she ate to try and throw up were removed. Through this 4 day or so process I only worried about Quincee and not how much it was costing. As soon as I could I had insured her with Healthy Paws and I am so thankful I did. After my $250 annual... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Annie - We're so sorry that Quincee had to have that major abdominal surgery, but glad she is doing better! Happy that we could relieve some of your financial stress so you could concentrate on your baby. Give your gang big hugs from us!
jrbrett1958

4/29/2019
Healthy Paws has been terrific while Akira, our Shiba, was having a lot of respiratory problems. They turned all our claims around quickly, and were super nice to deal with. I was a little nervous when the claim levels started to rise, but they are rock solid. Highly recommended.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
jrbrett1958 - Happy to play our part in making sure Akira has access to the best available medical care while she deals with her respiratory issues. We appreciate the kind words about our customer care team. Give Akira a big hug from us!
terdoherty

4/29/2019
My dog Murphy is insured with Healthy Paws and everytime I have had to use them it has been a 5 star experience. Murphy had to have an emergency surgery and when I told Healthy Paws about it I had a check within days to pay for the surgery. I also had phone calls from a few people after it was done asking how murphy was doing. I am not a technical person at all and using the computer is not something I spend a lot of time on. Using their app on my phone I have found to be so simple and fast. When I have had a question and have called their customer service is unmatched. I believe I found the best pet insurance around with Healthy Paws!!!!!!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
terdoherty - We're glad we could be there for you and Murphy during his recent surgery. Thanks for the kind words about our customer care team and easy to use phone app. We hope Murphy continues to do well in his recovery!
Shannon W

4/27/2019
My cat had to have a very expensive surgery in order to save his life. If it wasn't for this company I would've had to make a difficult decision. They were extremely helpful and kind during a very stressful and scary situation. I recommend them 100%.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Shannon - We're happy that we could provide some financial relief so you could go ahead with your kitty's surgery. Give your boy a big hug from us!
C
Carrie L

4/26/2019
I have been a customer of HealthyPaws for over 3 years, for both of my dogs. I am thankful for this insurance! I feed my dogs very healthy, clean diets and they are not overweight. They get so much love, exercise and are so happy. BUT, emergencies do occur. And for all of their emergencies, Healthy Paws has been there. ER is expensive...and medication can be too. Healthy Paws sent us a get well card for my Ryder when he was in ER 3 weeks ago. They sent multiple emails checking on him. AND they are so quick with claims processing, that, I received the check, in less than a week after submitting it!!!! I will be able to pay off my credit card bill before any interest accrues. I highly... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Carrie - We're sorry that Ryder had to bee seen at the ER, but glad he is doing better! Thanks for your kind words regarding our customer care team and claims processing. Give Ryder a big hug from us!
E
Emily

4/26/2019
Five years ago I adopted a small terrier mix who had been a stray, so the shelter had no idea what her age or history was. I immediately got healthy paws, which turned out to be one of the best decisions I’ve ever made. Over the years they covered various vet visits, emergency visits, specialists, imaging, etc. Last fall after multiple specialist visits, extremely expensive diagnostic studies, and diagnostic surgery, she was diagnosed with bladder cancer (TCC) and given a few months to live. She began chemo the day after thanksgiving. Since then there have been two different chemo meds (1st was monthly for 5 months then switched to current which is every two weeks), numerous x-rays and... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Emily - We appreciate the time you took out of your day to write your review. We are so happy that we have been able to play a part in your girl's care over the years. So glad she's still bouncy and energetic after all she's been through. Give her a big hug from us!
T
Tom G

4/25/2019
We are so happy to have pet insurance for our 1 y/o bulldog. She had ACL surgery that cost thousands of $$$. Healthy Paws paid 80% as promised - even direct deposit in a couple days. I was very easy to upload receipts and complete the claims. I recommend Healthy Paws to anyone with a pet !!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tom - We're glad we could be there to help with that major leg surgery. We appreciate your kind words about the claims and reimbursement process. Give your girl a big hug from us!
Erica C

4/25/2019
I tell everyone I know that Healthy Paws is more than just an insurance company, they are like extended family. The monthly premiums are affordable, and even if you go years without ever needing to file a claim, all it takes is one accident or illness at some point in your pet's life and the policy will more than pay for itself. I just recently had a health scare with one of my cats. She needed x-rays, an ultrasound, overnight care at the emergency vet, bloodwork, and medications. All of this to the tune of over $2,000, and other than the fee for the office visit, I was reimbursed 90% of the bill, within a matter of days, direct deposited to my account. Not only that, but a couple... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Erica - We appreciate all of your kind words and the time you took out of your day to write your review. We're happy we can play a part in making sure your babies have access to the best available medical care. Give your crew big hugs 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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