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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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Montana W

3/28/2019
My 5 y.o. Silken Windhound, a breed described as “remarkably healthy” has recently been diagnosed with copper storage disease, deemed genetic in a few breeds, unknown, up until now, in Silken Windhounds. Fortunately, I have had Healthy Paws since Sierra was 8 weeks old. Her diagnosis has required a couple years of labs, noninvasive procedures, finally, a laparoscopic liver biopsy, which is the only way to diagnose this illness. Healthy Paws has been wonderful - super easy claims with an app on my phone. I receive an immediate email that my claim has been received and not to worry about my policy, to take care of Sierra. Claims are usually processed in a 2 or 3 days, then reimbursement... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Montana - We appreciate you taking time out of your day to write your review. We're glad we can be there for Sierra as she deals with her copper storage issue. Thanks for the kind words regarding our claims processing and reimbursement. Give Sierra a big hug from us!
Renee A

3/27/2019
Healthly Paws Insurance has been wonderful to work with! I purchased the insurance soon after getting our new English Lab Puppy, Kota in 2016! Unfortunately, our little guy has had some health issues and Healthy Paws has been there with us every step of the way! The app works great and they are quick to review the claim and issue a check. We love Healthy Paws!! Renee in Colorado

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Renee - Thanks for the kind words regarding our claims and reimbursement process. We're glad we can play our part in assuring Kota has access to the best available medical care. Give him a big hug from us!
L
Lisa S

3/27/2019
Our young dog suddenly developed some stomach issues and ultimately needed the care of an internal medicine specialist. I am so thankful that we had our coverage for him through Healthy Paws. It really made a difference to only have to worry about him getting the best care, and not how we were going to pay for it! Our claims were handled quickly with no problems. Thank you, Healthy Paws! I recommend you to all of my friends who have pets.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lisa - We appreciate the recommendation to your pet living friends. We're happy we could be there to help when your pup was ill. We hope he has made a complete recovery. Give him a big hug from us!
R
Robert G

3/27/2019
Healthypaws has been fantastic since we signed up. They are honest and forthright. The website is so easy to use and reimbursement is quick. They check in periodically as well to see how the fur babies are doing.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Robert - Thanks for the high praise. give your babies big hugs from us!
Alain M

3/26/2019
We are so thankful we found such a great family to help us with our lovely dog Healthy paws cares about your pet , very helpful and we recommend to anyone out there no hassle at all Thank you guys again

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Alain - Thanks for the kind words! Give your pup a big hug from us!
Alicia A

3/26/2019
Thank you so much for checking on Brody. He’s getting better day by day. The first week was very tough. He can’t be on pain medication. He had some breakthrough pain. But he is feeling better. Our next step is physical therapy to be proactive against any range of motion/arthritis or other physical elements post surgery. Thank you for being there for us financially and peace of mind for the surgical procedure he had. We put it off as long as we could and ultimately at the end he needed to have it. Kindly as always, Brody’s mom

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Alicia - So glad we could be there for Brody and it's good to hear he's doing well in his recovery. We're happy we can play a part in assuring he has access to the best available medical care. Give Brody a big hug from us!
jessica.baumgardner22

3/24/2019
Great Service and Rapid Claim Processing We have been highly pleased with our HeathyPaws insurance. We got insurance the week we got our puppy and it was the best decision we’ve made as dog owners. At 10 months old, our dog encountered some serious digestive issues (he’s fully recovered now) and claims were processed quickly and our payments from HealthPaws arrived quickly.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jessica - We're glad you're pleased with our coverage, customer service and claims processing! We're happy your pup has recovered from those tummy issues. Give your baby a big hug from us!
L
Lisa A

3/23/2019
Healthy Paws has great coverage and excellent customer service. Claims are always paid in a timely manner and they offer direct deposit. The only reason I did not give 5 stars is because they do not cover office visit costs, nor do they cover any dental work or dental maintenance.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lisa - We appreciate all of your kind words regarding our coverage and customer service:) We do our best to be transparent throughout our website, during the enrollment process and in the policy documents available to each client in their online Healthy Paws account regarding the limited exclusions of our policy. Those exclusions are pre-existing conditions, preventative/routine care and the office visit fee. Anyone visiting our website can see this information on our “Benefits, Coverage and Exclusions” page. Our complete accident and illness plan does cover injury to the teeth if it is caused by an accident, including extractions and reconstruction of damaged teeth. Like some other pet insurance companies, our plan does not cover the regular dental care required to maintain dental hygiene for the pet. By making the office visit fee and routine dental cleaning part of the pet parent's financial responsibility, it allows us to offer a complete accident and illness plan at an affordable monthly premium. Our policyholders value comprehensive accident/illness coverage and unlimited benefits at reasonable rates, which is why they choose to assume the responsibility of paying for those costs. Give your baby a big hug from us!
S
sarah

3/23/2019
If I could give Healthy Paws more then 5 stars, I absolutely would. They have continue to be there for me and my doggo Larry since day one. Every small, every large claim, I know I have Healthy Paws there to take away any financial stress of veterinary care. I have never felt any limitation to giving Larry the best possible care because of Healthy Paws. I work as a veterinary nurse at a large university teaching hospital. Almost 2 months ago, Larry was diagnosed with aspiration pneumonia, a very mild case, nothing that required hospitalization. I was in touch with Healthy Paws regarding the diagnosis, and they were there to support every step of the way. Long story short, over a month... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sarah - We can't thank you enough for taking time out of your day to write this review. We're glad we could play a part in assuring Larry had access to the best available medical care. We can't tell you how happy we are that Larry is going so well after all he has been through. Give your buddy a big hug from us!
Sandy B

3/22/2019
The coverage provided by Healthy Paws has twice now made the very best health care for our cat affordable. They cover more, at a better premium, than other pet insurance companies I researched, and their service is impeccable with quick and easy claim processing. I highly recommend Healthy Paws for pet parent peace of mind!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sandy - Thanks for your high praise. We're glad we can play a part in making sure your kitty has access to the best available medical care. Give your baby 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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