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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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trippy l

1/8/2019
This is the second time I have unfortunately had to submit a claim. It is stressful enough dealing with a sick dog. Healthy Paws is wonderful. Claim is easy to file and I was paid four days after submission, and this included the Christmas holiday. Also, they always follow up with an email to check on my dogs well being. I am so thankful for Healthy Paws. My sister, who is a veterinarian, now recommends Healthy Paws to her clients because of my incredibly positive experience.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Trippy - Thank you for your kind words and we really appreciate the recommendations from your sister:) We're glad you find the claims submission process easy and the reimbursement process prompt! Give your baby a big hug from us!
Ron C

1/8/2019
Our German Shepard needed major back surgery for a ruptured disk. Not only did Healthy Paws cover everything they promised but everyone I spoke to was not only professional and courteous but caring and very sweet. We had the payment in hand within 7 days from sending in the invoice. We are so impressed with Healthy Paws we would recommend them to every pet owner.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Ron - Thanks for the kind words regarding our customer care team:) We hope your baby continues to do well in their recovery from that back surgery. Thanks for being part of the Healthy Paws family and have a great 2019!
Tracy M

1/7/2019
We have a 6 month old golden retriever. After he ate a bee at 3 months old and had a massive reaction that required hospitalization and cost us over $3,000, a co-worker told me about Healthy Paws. I looked into it and also compared the coverage, cost, benefits, cap, etc. to other pet insurance carriers. Ultimately, we decided to go with Healthy Paws.... THE BEST DECISION EVER! My little trouble maker ate something from the laundry hamper and had to have a major surgery to remove the item from his stomach. The surgery was nearly $7,000!! After I got over the initial shock and he was back home with us, I submitted a claim via Healthy Paws' mobile app, which was a super easy process. Within 3... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tracy - Happy we could be there to help with your boy's major tummy surgery. We appreciate your words of support. Glad you find our phone app easy to use. We hope you and yours have a happy and healthy 2019!
Jessica F

1/7/2019
I am so incredibly grateful for Healthy Paws. We purchased pet insurance about a month after we adopted my dog, Peanut. Peanut was neglected prior to adoption and unfortunately developed health issues shortly after we got him, such as pneumonia and heart worm. Healthy Paws has 80% of covered pretty much everything besides wellness visits, which is amazing. If it wasn't for HP, we'd be having serious financial hardship right now, especially with how much the heartworm treatment ended up costing. While we are nearing the end of the road with the heartworm treatment, we're not quite done, but being able to not have to worry about paying for treatment really allowed us to just focus on the... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jessica - We're so happy Peanut is nearly finished with the heartworm treatment. We appreciate all of your kind words and glad we can reduce some of the financial stress and let you focus on your boy. Give him a great big hug from us!
J
Jan

1/4/2019
I cannot express fully what a relief it is to know that I can take my little Yorkie to the vet and be able to get her the tests and proper treatment she needs when she is sick. Since I know that I will be getting reimbursed by Healthy Paws, I feel like she can get the proper care she deserves without me having to make the gut wrenching decisions of deciding to do only what I can afford. Healthy Paws has always paid, every single time, without question and very quickly, and they make it easy to file right on their web site. It is a blessing to have this insurance.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jan - We're happy we can help take out some the financial stress of vet visits and play a part in assuring your girl has access to the best medical care. Thanks for all of your kind words:) Give your girl a hug for us!
Shaun L

1/3/2019
Our dog Sam (now 11) has required ongoing medical treatment (and at times emergency care) for most of his life. Healthy Paws have been covering him since the age of 4 and have never denied a claim. They have been steadfast in their support and we couldn't be more grateful. Thank you Healthy Paws for everything you do.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Shaun - We're glad we can be there for you and Sam. Give your boy a great big hug from us!
R
Richard

1/3/2019
Did you know that if your pet is injured or sick, Healthy Paws Pet Insurance does NOT cover the veterinarian's charge to examine, diagnose and possibly treat your pet? That's right! The vets exam fee, where the doctor diagnoses whats wrong with your sick or injured pet, prescribes meds and attends to your pets needs is NOT covered. I found that out when my little dog started coughing. Took her to the vet, who examined her and prescribed antibiotics. Heathy Paws only covers the pills! The bigger cost, the vet's charge, they wont touch. A Healthy Paws Manager said to me, 'It would cost too much if we covered the veterinarians exam charges'. What kind of a Health Insurance plan doesn't cover... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Richard - we're sorry that your baby was having coughing issues. 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. By making the office visit fee (vet exam, emergency exam, recheck or consultation) 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. We sincerely hope your girl is feeling better!
Genevieve M

1/2/2019
Long review but well worth the read!! The BEST decision I ever made was to insure my Havanese with Healthy Paws. I shopped for months before Jesse came to me. I don't even think Jesse was born yet while I was shopping :)! I knew my best bud would have health insurance. Like yourself, I read my share of Health Insurance company's and their reviews, some policy's where difficult to understand, I felt I was reading the same thing over and over. I wanted to be sure I found the right Insurance company to insure Jesse's health through his years, I'm compulsive my nature so it had to be the best! When I did my research with Healthy Paws I found it easy to understand their policy, great reviews,... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Genevieve - Thanks for all of your kind words and for taking time out of your day to write your review:) We appreciate your loyalty over the years and glad we've been able to provide a consistently high level of customer service. We hope you and yours have a happy and healthy 2019. Give Jesse big hugs from us!
B
Beverly G

1/2/2019
I have had Healthy Paws Pet Insurance for many years and they have been wonderful. They take care of claims efficiently and promptly. Nothing feels better than when you get a vet bill for $5200 for an ACL repair and you have insurance that covers 90% and will cover rehab too. Also they make it easy to file a claim and it can be done on line too. I have 4 dogs and they are all covered.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Beverly - Thanks for being a valued Healthy Paws customer over the years. We'er glad we could play a part in your baby's ACL surgery. We hope your buddy continues to do well in his recovery.Give your gang big hugs from us!
Andrea G

1/2/2019
Wonderful company. I highly recommend getting your pet insurance from Healthy Paws. Everything is processed very fast and couldn’t be easier. I received an email from them today asking if my dog was doing better given some recent claims I have filed!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Andrea - Happy New Year and thanks for all of your kind words! We hope your dog continues to do well.
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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