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Healthy Paws Pet Insurance Review

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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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Chuck L

10/24/2018
I have had other pet insurance in the past and nothing beats Healthy Paws. They are very easy to deal with in submitting claims. The staff when you call is always very helpful and caring.

Kristina J

10/24/2018
I am so grateful to have insurance through Healthy Paws, especially the unlimited amount per incident. It was reassuring knowing I had the funds to save my best friend when he had to have X-Rays and abdominal surgery to remove a swallowed toy. The claim process was quick and efficient also. Thanks Healthy Paws for helping me save my dog!

Helen Y

10/23/2018
They are the best insurance for your pets! They are caring and honest. EvenTheir website and to file a claim is very simple and user friendly. They are quick and their customer service is great! I reccomend Healthy Paws to everyone!!!

P
Paula

10/23/2018
Our dog has recently undergone two knee surgeries as well as having been diagnosed with cancer a couple of years ago. Each and every time Healthy Paws has made our claims easy to submit with really quick processing. They also follow up to see how she's recovering which I find incredibly kind.

Wayne T

10/23/2018
Wonderful company to work with! Never thought I would need the insurance policy but wanted to be safe as others said it was good to have with a French Bulldog. Thankfully we had it as our dog hurt her knee and had to have surgery. Healthy Paws made it very easy to make a claim. They paid out the claim in llightning speed as well as checked on our dog along the way.

Mike W

10/23/2018
FOR THE PARENTS OF PETS RIDING ON THE FENCE ABOUT PET INSURANCE***DON'T!!!! I was one of those parents and my personal experience was extreme gratitude for finding and enrolling in Healthy Paws Pet Insurance. My 1yr old powder puff fractured leg and screaming in pain. Took him to animal hospital and of course the invoice is enough to shatter your finances. My insurance reimbursed me and I was surprised on how quickly they paid me. You would not do without health insurance for any member of your family. Isn't your pet part of your family? I'm not being paid for this review and it is an honest assessment of my personal experience with this worthwhile establishment. Here's a... Read More

J
JLO

10/23/2018
We’ve been part of the Healthy Paws family since our Yellow Labs, Raffles and Nina, were Babies. Raffles will be 9 in just a week and Nina will be 7 in February. They are our Babies, the loves of our life. When Raffles was 5, he was diagnosed with a mast cell tumor on his stomach, after it’s removal, he required 16 sessions of radiation treatment. About 2 years ago, he was playing and sheared off his lower canine, he had a root canal and a titanium crown put on. (The removal of a canine tooth is very difficult on a dog because of the extremely long nerve, often resulting in the dog’s jaw breaking, which is why we chose a root canal and a crown for Raffles.) Just 3 weeks ago,... Read More

Kim M

10/21/2018
Thank you so much. I don’t know what we would do with out Healthy Paws. Reggie had cancer removed. Still have check ups to do. Again thanks and god bless you. You are Lifesavers and the best. Thank you again

S
Siana w

10/20/2018
Healthy paws has been so amazing. Our young cat stampy would not be with us today, twice over, if it wasn’t for them. Stampy has managed to eat something twice now that required surgery to remove or she would have died. Filing a claim with healthy paws was very easy and straightforward. And we were shocked at how fast they worked through everything and closed out the claim. We had to borrow from a close friend for this and the reimbursement check came within a week. So we were able to pay our friends back quickly. Thank you so much everyone at healthy paws!

Richard M

10/19/2018
Our weimaraner Sitka, at 14 months, got a severe case of pneumonia and nearly died. After four days at a veterinary specialty hospital, on IV fluids, 2 antibiotics and oxygen, she survived and is back at full health. As one can imagine it was all quite expensive, racking up over $8,000 in bills. The people at Healthy Paws came through promptly with care and professionalism. Two weeks from submission to payment, with a personal note in between asking how she was doing. Healthy Paws is the best.

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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