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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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Lisa K

12/24/2018
Getting Healthy Paws insurance for our dog was the best move we made. At just 1 1/2 years old, our lab was dx with ulcers and Inflammatory Bowel Disease. His testing and treatment was very expensive. We never would have been able to give him the care we did without Healthy Paws. We never had a problem getting reimbursed, and the response was always prompt. Unfortunately, we lost him a few months ago at the young age of 5. We just got a new puppy and have already enrolled him in Healty Paws. We highly recommend this insurance.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lisa - We're so sorry for your loss and glad we could play a part in his care. We appreciate the thumbs up regarding our reimbursement process. Give your new baby a big hug from us and have a Happy New Year!
Elizabeth L

12/20/2018
Healthy Paws Insurance has been the biggest piece of mind! This pet insurance company is outstanding, and I have recommended it to all of my friends and family! Our dog Dolley has had some issues with allergies, and some high kidney levels, and Healthy Paws has been a breeze to work with. We take a picture on our phone of our bill, and Healthy Paws gets a check to us super quickly! We have never had an issue, and their customer service is outstanding. Thank you Healthy Paws for helping us to give our sweet Dolley the best possible vet care!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Elizabeth - We're happy to play a part in assuring Dolley has access to the best available medical care. Glad you find our phone app for claims processing convenient and easy to use. Give Dolley another big hug from us and enjoy the holidays!
A
Aprile

12/20/2018
We have been with Healthy Paws for years and love them! I cannot say enough good things about our experience from singing up to being reimbursed for claims.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Aprile - We appreciate the kind words. We hope your and your 4 legged buddy stay well!
J
julie

12/19/2018
My dog Mac got knocked over by another dog and ruptured the main ligament in his back leg. After a week or so of anti-inflamatories with no improvement, our Vet referred us to a Surgery Specialist. Poor little guy had to have a TPLO which is basically a knee reconstruction surgery. Thank God for Healthy Paws because with the health insurance plan I have, they covered 70% of our medical bills, minus our deductible, and literally within days I received my reimbursement! Everything is done over the internet which makes it so easy, and to top it off, they emailed me to check in on Mac after his surgery. I love Healthy Paws and highly recommend them for you and your fur babies!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Julie - Glad we could be there for you and Mac. We appreciate all of your kind words. We hope Mac continues to do well in his recovery from the TPLO. Give your babies big hugs from us!
scott m

12/19/2018
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 $40000. This was by far the best financial decision I have ever made.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Scott - Between the herniated discs and cancer, your boy has had more than his share of medical issues. Glad we can play a part in alleviating some of the financial stress. Give him a great big hug from us!
B
Brooke

12/18/2018
Really fast claims completion, very easy submission processs and reimbursement, along with great service!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Brooke - Thanks for the thumbs up on our claims process, reimbursement and customer service. Enjoy the holidays!
byt1069

12/18/2018
My 5-year old female Pomeranian accidentally broke one of her front leg two months ago. At first I chose the most economical treatment option of putting a splint on her injured leg with a hope that it could heal itself. Unfortunately after taking few radiographs the fracture was diagnosed a non-union one. My Vet recommended me to see an orthopedic specialty soon. The orthopedic Vet suggested a fracture repair surgery after reading her X-rays. I was speechless when I was quoted a surgery cost of $6k. “It’s so lucky that I bought a pet insurance from Healthy Paws last year”, a thought popped up on my mind when I was reading the written quote. My dog’s surgery was a success.  She... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
byt - Thanks for taking time out of your day to write your review. We're happy your girl is doing so well in her recovery. Glad we can play a part in getting your baby back to 100%. Give her a big hug from us!
C
Carol H

12/15/2018
Our 3yo yellow Lab is now recovering well after enduring a major emergency surgery ($5400+) to remove obstacles (racquetball pieces) from her stomach and small intestine. Tedi finally got her E-collar off after 2 weeks - and she was celebrating!! - to say the least. It was a long hard road - as she often kept me up at night crying for the first week and then rustling around making noise with her e-collar for the last week. We are very happy to be at this point and trust she will make a full recovery. We are so thankful for Healthy Paws! Without insurance her life would have been over. Healthy Paws covered the full 80% of the surgery and had it deposited into our account within a few... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Carol - We're happy Tedi is doing well in her recovery from that major tummy surgery. Glad we can play a part in making sure she has access to the best available medical care. Give your girl a big hug from us!
Michael R

12/14/2018
Healthy Paws is absolutely the best pet insurance company. I did my due diligence prior to buying a policy and they were clearly the top company. They pay promptly. I would highly recommend Healthy Paws without reservation

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Michael - Thanks for your ringing endorsement! Give your pup a big hug from us!
C
Christina

12/14/2018
I've had this health insurance for my cat for a little over 5 years now. My cat has chronic kidney disease, and medical bills have certainly escalated over the last couple of years. But Healthy Paws has never denied a claim or fought me over if a procedure/ test is necessary or not. I sleep much better at night knowing that my cat's life will never have to depend on my financial means, thanks to Healthy Paws. I would definitely recommend this company to anyone who is searching for health insurance for their fur babies!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Christina - We're happy your part of the Healthy Paws family and that we can help with your kitty's ongoing kidney issues. We hope you and yours have a wonderful holiday season!
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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