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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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Kimberly C

12/8/2018
After tons of comparative shopping and research, we chose Healthy Paws 2.5 years ago to cover our two Great Danes when they were 6 months old. The Policy was clear and easy to understand. The coverage as compared to other providers, along with the rate, is why we made the decision to go with Healthy Paws. The Customer Service team was great in answering any questions I had. We purchased the insurance hoping we would never need to use it. Unfortunately, one of our dogs (Vegas) was diagnosed with Addison's disease when she was about a year old. Her treatment requires costly monthly injections, other daily medications, and frequent Vet visits for lab work. Another condition Vegas had... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kimberly - We appreciate the positive comments regarding our claims process and customer service. We hope Vegas and Reno are recovering well from their surgeries. Give them great big hugs from us!
E
Erica W

12/8/2018
If your looking for pet insurance Healthy Paws is the BEST!!!! The prices are fair and when your furbaby needs medical care Healthy Paws is right there !! Reimbursement is fabulous OMG fabulous!!!!! No limits are your pets care that's what I love. If they're sick or injured do not fear about getting them proper care as long as YOU HAVE HEALTHY PAWS you can rest easily. TRUST ME !!! Get Healthy Paws before you buy anything else. I love them and will always have them for my fubabies!!! 10 stars for this company

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Erica - Thanks for all of your kind words and support for us:) We're so happy we can play a part in making sure your babies have access to the best available medical care. We hope your and yours have a great holiday season
Madvi P

12/6/2018
I cannot rave enough about having my pets insured with Healthy Paws. My 4 year old Shih Tzu/Bichon mix, Reese, in less than 2 months had to undergo 2 big surgeries. The first one was a Cystotomy (bladder stone removal surgery) in October 2018 and the second one was for a Portosystemic Shunt surgery (congenital liver shunt) in November 2018. The stones from the first surgery were sent for analysis and their composition turned out to be Urate (Ammonia) stones which are very uncommon for Reese’s breed. Further diagnostics revealed that he had a liver that was not functioning 100% which is the reason why the stones had formed. We are hoping this fixes the issue and Reese is done with his share... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Madvi - Reese sure has been through alot in the law fews months! We hope his recovery is going well from his most recent surgery. Our team really appreciates all of your kind words regarding the customer service they provide:) Give Reese and Rio more big hugs from us!
Diane K

12/6/2018
Great company to work with. Very easy to submit claims I can do it right on my cell phone. It takes me about a minute to submit them. There is no wheeling and dealing if it qualifies they cover it. They are not your average insurance company they are superior. I have 3 dogs and covering them was not an option. One of the dogs is an English Bulldog who alone as a breed have a lot of medical problems. We had a few things arise with her and Healthy Paws was with us every step of the way. They covered everything they said they would and I had the check in my hand within a week. Thank you Healthy Paws for being a great pet insurance company and making a trip to the vet not so scary

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Diane - Thanks for all of your kind words. We wanted to make claims submission efficient and that's why we created our app. Glad you find it useful! Have a great holiday season and give your babies hugs from us!
M
Melody H

12/6/2018
Just a quick note to say how much I appreciate Healthy Paws. The process is efficient and so easy. I am grateful that I have pet insurance and know that I will always be able to afford Cooper's care. Bravo, Healthy Paws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Thanks Melody! We're happy we can play a part in making sure Cooper has access to the best available medical care. Give him a big hug from us.
E
Elena G

12/6/2018
This is by far the best health insurance I have ever encountered for my 4 legged son! I was referred to Healthy Paws by my sister in law. I did compare prices and coverage from other insurance companies, but I ended up right back to Healthy Paws! Their prices were extremely affordable and offered excellent coverage. Every claim I have had to submit (and unfortunately, there have been quite a few), have been processed within a few short days and reimbursement is in my account shortly after that. They are extremely clear on what they don't cover (which is no different than what other insurance companies do not cover). So just to summarize, claims are easy and stress free to submit, they are... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Elena - We appreciate your comments regarding our coverage/customer service and glad you find submitting a claim stress free. Give your 4 legged boy a big hug from us!
Bergen R

12/5/2018
Healthy Paws helped us so much when my dog Poppy got the terrible diagnosis of cancer. They not only honored all payments or reimbursements promptly, but they also made a point to send her a get well card hand signed by all staff members personally. They even kept in touch to find out how Poppy was doing after surgery. I had never expected my dog to get such a devastating diagnosis to begin with, but I can say honestly that Healthy Paws treated us with such a personal kindness, thoughtfulness, and professional courtesy that lessened the stress and pain of this ordeal. I recommend them highly...

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Bergen - Thank you so much for all of your kind words regarding our coverage and customer care team. We are so happy that Healthy Paws can play a part in assuring that Poppy and your other baby have access to the best available medical care when needed. Give them big hugs from us!
Erika J

12/5/2018
I shopped around for a long time to get the best dog insurance when we got our first puppy, an English Setter. Fast forward 4 years later we now also using Healthy Paws for our second puppy a Cockapoo. I have been nothing but amazed and pleased with this insurance! Super easy website, so easy to submit your claims and very fast payment. Not expensive, well worth the monthly payment. I have used the insurance for my English Setter who managed to put his nose where it did not belong, got porcupine quills in his snout and in his mouth! He just recently tore his ACL, his life is running so he really needed it. ( a $3500.00 surgery!!) I thank myself for getting this awesome insurance ! I just... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Erika - Happy that you find our site and app so user friendly! We hope Sky continues to do well in his recovery from the ACL surgery. Have a wonderful holiday season and give your babies more hugs from us!
B
Bridget

12/5/2018
Healthy Paws has saved us so much money! The monthly cost is so low compared to the benefit we have received from this company. I would recommend Healthy Paws to any of my friends with pets. When my dog ate a plastic toy and the vet bill cost over $2000, Healthy Paws covered a majority of the bill. X-rays and scans are very expensive and Healthy Paws cover them all!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Bridget - Glad we could play a part in taking care of your dog's major tummy issues. We appreciate the recommendation to your friends. Give your baby a big hug from us!
Ali F

12/5/2018
We knew as soon as we adopted our dog, Matilda, that we would need to get health insurance for her. The first year we had insurance, we had no incidents, however in the past year and a half, she's managed to tear her ACL on both back legs. Matilda is very much our child and we want to provide nothing but the absolute best care and treatment for her regardless of monetary cost. But, with Healthy Paws insurance covering her in the background, we were able to do so without bankrupting ourselves. We chose the 90% reimbursement option (I think with a $250 deductible?) and honestly it's been the best financial decision we've made. Thank you again HealthyPaws for having Matilda's back (and... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Ali - Glad we can provide nose to tail coverage for Matilda:) We appreciate your kind words and glad we can help relieve some of the financial stress of those major surgeries (and anything else that comes up!). Give her another big hug from us.
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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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