We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. Learn more
  1. Home
  2. Pet Insurance
  3. Healthy Paws Review

Healthy Paws Pet Insurance Review

3,292 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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.
 
VIEW RATES

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

Our Comments Policy  |  How to Write an Effective Comment

Leave a comment for Healthy Paws Pet Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

3292 Customer Comments & Reviews

Loading Reviews ...
liz m

4/3/2019
I signed up for Healthy Paws when I adopted my pittie 7 years ago. I am so glad I did. They have been awesome! Gracie is my gold plated pound puppy. She has had a lot of health issues along the way and a few ER visits. She had a bilateral TPLO when she was 3 and Iast week she was diagnosed with cancer and had surgery to remove a tumor. After her surgeries they email and ask how she is doing and to give her a big hug. Wow! They have always paid claims without question and even paid something that normally wasn't covered (and clearly stated in their policy) only because my pup was so sick. Claims are easy to submit and always processed quickly. I am so thankful I have this insurance.... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Liz - Thanks for being a part of the Healthy Paws family all of these years! We are so happy that we can play a part in making sure Gracie has access to the best available medical care. We appreciate all of your kind words regarding our customer service and claims processing. Give Gracie a big hug from us!
J
Janet J

4/2/2019
Healthy Paws provides great coverage at a great price, and the customer service is second to none. Claims are easy to submit, and reimbursement is lightning fast. There is a friendly voice on the phone if you call with a question, and there’s even a follow-up email to ask how your pet is doing. You can concentrate on helping your sick or injured pet without worrying about vet bills or when you’ll be reimbursed. I will never be without pet insurance, and I’ll always have Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Janet - We're happy we can play a part in assuring your baby has access to the best available medical care. Thanks for all of your kind words regarding our coverage, customer service and claims processing. Give your baby a big hug from us!
alex h

4/2/2019
When I tell people I have pet insurance, they ask why. The answer is simple, if there comes a day that he needs a surgery or life saving measures I don't want my finances to prevent that care. Healthy paw has been a blessing in our family regarding our fur baby. We got our dog at 8 weeks old and not knowing his medical background we were not sure what we might run into. I looked into pet insurance and decided healthy paw would be the best for our family. It has been a life saver throughout his life so far. We only planned on having it for a few years just in case we encountered medical issues. But it has covered way more then what we ever expected to use it. From covering an eye surgery... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Alex - We appreciate all of your kind words regarding our customer service and claims processing. We're glad we could help with your boy's eye and leg surgeries. We're happy to have you and your boy as part of the Healthy Paws family!
msruthiejay

4/2/2019
I can tell that my Roxie was a little worried before her first major surgery. The cost of the surgery was going to cost me $1,554, but I didn’t have to worry because Healthy Paws paid 90% of Roxie’s bill. So out of pocket, I only paid $154.00 for my baby’s surgery. I’m so thankful for Healthy Paws Pet Insurance and will forever be a loyal & grateful customer! If u love your pet as much as I do, protect them and get Healthy Paws Pet Insurance now!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
msruthiejay - We're so happy we could relieve some of the financial stress with Roxie's surgery and hope she is doing well in her recovery. Give your girl a big hug from us!
Allison N

4/1/2019
When my 10 year old dog Jack developed blood in his urine it opened up a whole cascade of medical discoveries that ultimately led to him needing to have many stones removed from his urinary bladder as well as a large stone removed from his gallbladder. These surgeries were absolutely lifesaving and I was worried sick about whether he would survive not only the surgery but also the recovery, which can involve complications and a lengthy hospital stay. Throughout the entire process Healthy Paws was right there by our side. They provided me with a pre-approval document for his surgery, they paid 60% of the cost of his care almost immediately, and then emailed me several days later to ask... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Allison - Thank you so much for taking time out of your busy day as a veterinarian to write your review. We're so glad we could play a part in making sure he could have his surgeries. Thanks for the kind words regarding our customer care and reimbursement process. Please give Jack a big hug from us!
Brian M

4/1/2019
From day one Healthy Paws has always been there for my furry friend. Highly recommend them for all your pet insurance needs.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Brian - Thanks for your kind words. Give your buddy a big hug from us!
Amanda J

4/1/2019
Healthy Paws is the best decision we ever made for our dog Winnie. I did a lot of research on various pet insurance companies when Winnie first chose me six years ago. I concluded that Healthy Paws was the best, and I have not been disappointed. I have friends who chose to use other insurance companies and they have not been nearly as satisfied as I have been with Healthy Paws. Healthy Paws gives me the peace of mind that no matter what happens, we will be able to do what is best for Winnie without thinking twice about how we will be able to afford it. I highly recommend Healthy Paws to anyone who has the responsibility of loving a four legged creature.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Amanda - So glad we made the cut when you did your pet insurance research and that we have met your expectations! We're happy that we can play a part in assuring Winnie has access to the best available medical care. Give your girl a big hug from us!
K
Kathy C

3/31/2019
My 5 year old golden retriever, Apple, had a herniated disc in her back requiring delicate neurosurgery and many days of ICU followup. I cannot express how thankful I was that she was protected by a Healthy Paws policy! It allowed me to get Apple the very BEST and updated treatment available including the use of the hyperbaric chamber which was pivotal in her speedy recovery. I was so impressed that Apple's Healthy Paws policy had no maximum, did not exclude anything my doctor ordered and my claims were processed in a couple days!. Apple's clain was thousands of dollars and it was paid with no issues or hassle! What a relief it was for me to know my fur baby could have all this and I did... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kathy - We're sorry that Apple had to have that major back surgery, but glad she is on the mend. Thanks for all of your kind words regarding our policy and claims processing. Glad we can play a part in reducing some of the financial stress while you took care of Apple. Give her a big hug from us!
L
Leigh

3/31/2019
I have Healthy Paws for my three French bulldogs and cannot say enough good things about them. Recently, my three year old female has been battling high liver enzymes and we could not figure out what was causing it. She started experiencing severe vomiting and pain and we took her to our regular vet for care. After xrays, we were immediately referred to an emergency veterinary practice. She was admitted and received more xrays, exams, and ultrasound. She was operated on and the surgeon found a piece of plastic "something" caught between her stomach and upper intestine opening. It was removed and she was kept in ICU for three days of recovery (total of four days of hospitalization)... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Leigh - We appreciate you taking time out of your busy day to write your review. Thanks for all of your kind words regarding our customer service, policy and website. We're sorry your girl had to go through all of that, but glad we could be there to help. Give your Frenchies great big hugs from us!
B
bert

3/28/2019
Healthy Paws has been great in covering two of my Pitbull's TPLO Surgery's. He is only 2.5 years old. Both Surgery's we're in excess of $4,000. Claims are processed very quickly, and all information provided when you enroll is correct. I would encourage anyone looking for Pet Insurance to choose Healthy Paws, and I would encourage anyone who owns Pets to purchase insurance.....immediately!! Pet injuries are very un-timely, and very costly; Without the support of Healthy Paws, I would never have been able to keep my pets healthy. Thank you Healthy Paws!!!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Bert - We appreciate your kind words regarding our speedy claims processing and plan information. Happy that we could play a part in making sure your babies have access to the best available medical care for those TPLO surgeries. Give them 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
READ FULL REVIEW >
VIEW RATES

Related to Pet Insurance

Top Articles
Suggested Comparisons