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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.

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
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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J
Jayceestarling

10/16/2018
When I adopted my little dog from the shelter, I realized I had a real bouncing ball of energy. After 3 visits to the vet in the first few weeks, I started looking for insurance. I Googled Best Pet Insurance 2018. The next month, my dog broke her leg jumping off a high table onto the ground. When you have a new puppy, you don't know what they'll do next! Healthy Paws helped me every step of the way. I was so glad I didn't sign up with any of the brochure insurance I saw in the vet clinic. Get Healthy Paws immediately, right after you get your new pet!


M
Mike

10/15/2018
Great company have been nothing but major help in all ways! I look forward to a long term relationship with Healthy Paws!


R
Rose

10/15/2018
Purchasing pet health insurance four years ago has seriously been the best decision I have ever made for my dog. I thought, my “puppy”, who is now 13 1/2 years old, and I were just dealing with normal issues associated with aging. Healthy Paws was already helping pay for acupuncture treatments for arthritis when my dog suddenly became very ill and was ultimately diagnosed with hyperparathyroidism. The condition very nearly took my poor dog’s life and there was so much to handle but Healthy Paws made the financial decisions easy. The claims process is crazy simple and can be done through an app on your phone. Everything was straightforward and their customer service is excellent —... Read More


K
Kelsey

10/15/2018
I don't think I can say enough good things about Healthy Paws. From the very beginning they have been easy and informative. A few weeks ago, with no warning, we ended up in the emergency vet with one of our dogs. With all of the choices and devastation we were facing and not knowing what would happen, the fact that we had insurance for him was one weight lifted off our shoulders. The bills were about as massive as the tumor they found inside of him, but we never had to worry about that part of it. Every time I spoke with someone at Healthy Paws I could tell that they actually cared about what we were going through. Whenever they needed more information they would immediately offer to... Read More


Corinne S

10/13/2018
Healthy Paws is nothing short of amazing. I did SO much research when I was first looking into pet insurance, and when I chose them, probably like other pet parents I said to myself “well here goes nothing. I hope this helps.” Thanks to them I have saved thousands (literally.) thanks to them, one of my rescue dogs Lily, had to have ACL replacement surgery, and they covered it! Which means we only had to pay out $200 bucks! I can’t thank the whole team enough at Healthy Paws for doing what they do. The customer service is amazing, the all is is SO easy to use and navigate, and after her surgery, they even checked up on her! 100% best company to go with.


Mel G

10/12/2018
I love Healthy Paws! They genuinely care about our pets. It is quick and easy to file claims and get reimbursements. Communication with the company is fantastic by both phone and email. All pets need health insurance just like humans, and Healthy Paws is the best!


lpj

10/12/2018
Healthy Paws is the absolute BEST! I have had many others having 4 cats for many years and there is no comparison. I wish humans had such good health insurance. They have paid me over $50k for the care of my cat without hesitation and without questioning every bill and making you jump through hoops to get your money like other pet health insurance cos. And they have super technology and a great app to take the picture of your bill. You submit that and within hour you got an email that they are processing and within a couple of weeks your money. They are truly SUPERB!


T
Tabitha F

10/12/2018
Healthy Paws has been excellent! I am so grateful to them for helping me take the best care of my dog! She has had some heart issues and needed surgery when she ate something she shouldn't have! It is easy to submit claims, and they are always prompt to process and pay! Thank you so much for everything!


Charmaine P

10/12/2018
Healthy Paws has saved both my dogs lives - and saved me! I have one dog with a severe heart condition whose monthly medication bill alone is well over $100, not to mention all the echocardiograms, xrays and bloodwork. My other dog has been a habitual rock eater - costing thousands of dollars on surgeries. With Healthy Paws the claim process is simple and seamless, and refunds are within days. In addition they even check in to see how my dogs are doing - and I am not talking automated messages - I mean personal checking in with real care. I love this organization!


Catherine P

10/10/2018
I bought Healthy Paws insurance for my Teacup Yorkie cause it had really great reviews and previous customers said they actually pay. Other insurances I used in the past were awful but Healthy Paws for sure gets 5 stars. They were there for me for all my visits, were reasonably priced and actually paid me the 80% of what they covered. Recently my fur baby went into the hospital for a week in the critical care unit. It cost me $9000 for treatment before he came home. Healthy Paws representatives were friendly and helped me get my claims paid. I received over $7000 back. Unfortunately my baby passed away a week later, I filed his last bill which included his cremation services on the bill.... Read More



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  • 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