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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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Mette C

1/22/2019
We have had Healthy Paws Pet Insurance for our dog, Ella, a German Shepherd, for almost 4 years and could not be happier. We did a lot of research when we first looked into pet insurance. There are so many companies out there to choose from. It can be a daunting and confusing process. However, we came to the conclusion that Healthy Paws was our best bet. No doubt we made the right decision. Ella just went through major surgery, a total hip replacement, which is a huge expense. Our Healthy Paws Pet insurance covered 90% of that cost. Needless to say, we are beyond thankful for a GREAT pet insurance. We have literally spent thousands of dollars on medical care for Ella this past... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Mette - Thanks for taking the time out of your day to write your review. We're so happy we could help with Ella's major hip surgery. We appreciate all of your kind words and hope Ella continues to do well in her recovery.
I
Ian F

1/21/2019
Healthy Paws has been of great benefit to us and our pup, a now 9 year-old Chocolate Lab Mix. In the past 14 months, our dog has had to undergo TPLO surgeries to deal with ligament tears in both of her back legs, and Healthy Paws helpfully covered 80% of the cost of both the surgeries. They have always been helpful and responsive in covering any unexpected health issue that has arisen with our dog. I would definitely recommend them to anyone.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Ian - Thanks for all of your kind words. We're glad we could help with your girl's major leg surgeries. Here's to a happy and healthy 2019 for you and yours!
D
Debbie

1/21/2019
My Abby just underwent TECABO surgery, a major surgery that involves removing the ear canal. Not only did Healthy Paws arrange a direct-pay arrangement so that I didn’t have to pay the entire bill and then wait for reimbursement, but they followed up after her surgery to see how she was doing. I was dreading making the call to them to see how they could help but they were amazing; compassionate and willing to do whatever they could to take the stress of the payment process from me. If you’re considering pet insurance and you’re reading this, you don’t need to continue looking. They’re the best.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Debbie - Our customer team appreciates all of your kind words:) We're happy we could help with the direct payment to your veterinarian for Abby's ear surgery. Give your girl a big hug from us!
Jenny S

1/21/2019
Our dog, Jagger, was suddenly paralyzed in both rear legs just three weeks ago and had to have emergency surgery. We were shocked and devastated! The surgery cost just under $6,000 and ongoing physical therapy is likely to cost $2,000 or more. We just got word that Healthy Paws will reimburse us for the great majority of all of this expense! Fortunately, Jagger has made a miraculous recovery! We are so grateful to Healthy Paws for taking a lot of the financial stress out of this so we have been able to focus on his healing! God Bless all the team members at Healthy Paws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jenny - We're sorry Jagger had to have that major surgery, but so happy he is doing so well in his recovery! We appreciate all of your kind words and glad we could help alleviate some of the financial stress. Give your boy a great big hug from us!
Julia H

1/18/2019
I changed to Healthy Paws after using a different provider. Healthy Paws offered the same rate with a lower deductible and a 90% reimbursement. The other company was tedious to file claims and I felt that we were just another claim number. Unlike Healthy Paws, they never inquired how my pup was doing. It was apparent by the claims, she was gravely ill.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Julia - We're glad you're a part of the Healthy Paws family! We hope your pup continues to do well. Give her a great big hug from us!
P
PTG

1/17/2019
Healthy Paws was exemplary in every way for our beloved Standard Poodle Roxy, through the occasional mild problem here and there to her end-of-life illness, which came on full blast and required serious diagnostics and care as she neared the end. They are reasonable in their prices, very responsive in customer service, and friendly and responsible in all they do. Wish everything was as easy as Healthy Paws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
PTG - Thank you for all of your kind words. We're sorry for you loss, but glad we could play a part in Roxy's care.
B
Brian S

1/17/2019
Best decision I ever made! My Bull Mastiff suffered 2 ACL tears in a year and Healthy Paws has been great. Ease of use of the app and great customer service. Couldn't give it a higher recommendation!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Brian - Two ACL tears in a year had to have been hard on you and your buddy. We appreciate all of your kind words and glad we could help with the injuries. Give your baby a big hug from us!
Ricardo C

1/16/2019
I hear horror stories about friends dealing with their pet insurance or not having any insurance at all. We are glad my dog and cat are covered thru healthy paws. My dog ( Brooklyn) just had surgery to remove a large mass from his leg and from the rib area and knowing we were covered made it easier to handle. We submitted the bill and after deducting the doctors visit and deductible, we received a direct deposit 4 days later. They are amazing.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Ricardo - We're sorry that your buddy Brooklyn had to have surgery. We appreciate the kind words regarding our reimbursement process. Give Brooklyn and your kitty hugs from us!
Alex V

1/16/2019
We hesitated a lot before deciding to contract Healthy Paws. A few years ago, while living outside the US, we had a terrible experience with a foreign pet insurance company. Now, back in the US and with a new Puppy, decided to give it a shot. We chose Healthy Paws mostly because it was rated the best pet insurance in the US market. After about a month since Penny's policy took effects, she ate our earplugs. We ended up spending a few hours at the animal hospital. She was coughing and bleeding. The bill was quite expensive. Healthy Paws processed our claims quickly and we are expecting our refund. I must say we are very happy with Healthy Paws. By the way, their customer service team is... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Alex - We're sorry that Penny decided to eat your earplugs, but glad we could be there to help with the expense. Thanks for the kind words regarding our customer care team - we agree with you:) Please give Penny a big hug from us!
S
Sara B

1/16/2019
I was hesitant to purchase pet insurance because previous experiences had been frustrating. I am so happy we purchased pet insurance through Healthy paws for our dog! They truly have been amazing. With the app, I immediately scan any receipts and upload them to the account. They've refunded the correct percentage every time and usually within a week to two weeks. Our dog had major surgery on his knee. I submitted the estimate in advance, and they offered to pay the hospital directly. Therefore, I only paid our estimated portion (10% for our account) and the hospital and Healthy Paws dealt with each other directly to handle the rest. I was able to focus on the care of my dog and not worry... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sara - Thanks for taking time out of your day to write your review. We appreciate all of the kind words and glad we could help with the direct payment to your veterinarian for you boy's knee surgery. We hope he continues to do well in his recovery. Give him a big hug from us!
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  • No Enrollment or Administrative Fees
  • No Maximum Annual or Lifetime Payouts
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