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Healthy Paws Pet Insurance Review

3,291 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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3291 Customer Comments & Reviews

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Sarah G

7/29/2018
We got Healthy Paws insurance after getting a recommendation from my parents, who love the company! We have to say that Healthy Paws exceeded our expectations! Our 6 month old goldendoodle eats about everything he can get his paws on and had to go to the emergency a few times during his early months. Luckily Healthy Paws had us covered and allowed us to do all the necessary tests the vets recommended. They sent checks within a few days! They even checked in days after to see how our pup was doing! Excellent customer service!!! Highly recommend Healthy Paws for your pets!


Linda D

7/28/2018
We signed up for Healthy Paws insurance 41/2 years ago when we brought home our puppy Ursa. Three years later we added her new sister Elsa to our policy. We had never had pet insurance before and we never really intended to need it with these girls but signed up just for “peace of mind”. Around Mothers Day this year Elsa started limping after a day of playing with our grandchildren. Over the next two weeks she quit using her left rear leg altogether. After visits to our local vet and referral to the University of Minnesota we were told she had aseptic necrosis of the femoral head probably caused by trauma. We can’t think of a time she got hurt but she has always been an active healthy pup... Read More


Christina T

7/27/2018
Healthy Paws Pet Insurance has been so helpful for my little fur family! Our Gladys needed a leg/hip surgery and it was an unexpected $2500. Healthy Paws worked with us to get the surgery paid for only hours before her procedure leaving me stress free on how we'd pay for it. They were quick to respond and very easy to work with, even our Vet loved working with them! Our Gladys is doing great and I'm so glad that we were able to "fix" her! Thank you Healthy Paws!


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Rebekah S

7/26/2018
They've been very accommodating and supportive through every claim - and the claims process is so easy.


Vanessa D

7/26/2018
Healthy Paws is the best pet insurance company with the most incredible customer service support team. Not only do they serve us with top notch insurance coverage but they genuinely care about our pet and check in to see how we are doing. We feel that we are in the best hands and we I highly recommend Healthy Paws to anyone looking for pet insurance.


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Annette E

7/26/2018
I have had Healthy Paws insurance for several years now. I had another pet insurance before discovering Healthy Paws. That insurance would pay you what they determined the service cost was, not what you paid. Healthy Paws allows you to pick your deductible and your coverage percentage, which is awesome! Their customer service is out of this world, quickly handled claims (one week!), and they always follow up to see how my pet is doing. This is the best pet insurance out there, make no mistake, I highly recommend Healthy Paws.


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tina

7/25/2018
Thank you so much for checking on Timber. His energy is back and he is off of his pain medications and as far as he is concerned he is ready to run! We are taking him to th VMSG to have the doctor check him and remove his staples. Hopefully she will say he can return to some activity. We are so grateful for Healthy Paws alleviating most of our financial concerns with regard to his treament and allowing us to concentrate on giving him love and care and not take shortcuts with his medical regimen.


Daniella d

7/25/2018
My little frenchie is a bit of a trouble-maker and Healthy Paws has bailed us out many times. More recently, my dog had to get various MRIs, 2 spinal surgeries and the care of a top veterinary hospital. With all the heartache we have endured, the one thing we had going for us was the support of Healthy Paws. I even got an e-mail today from Healthy Paws asking how my little guy is recovering and how he's doing? They are a top notch pet insurance and good people.


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Bren

7/25/2018
I recently had a life and death emergency with my 5 month old puppy. Financially it would have been a hardship for me to pay the cost of this emergency (5 grand). Because I have this insurance I was able to say to the vet, do everything to save her. I’m not sure if I would have been able to pay the cost otherwise. I pay 33 month, for the insurance, very affordable. She was not breathing when we arrived at the vet and was in “critical” condition. I did not expect her to make it. She is home now and back to normal. The claim has been processed and completed in less than 1 week. I will never be without pet insurance again. Thank you HealthyPaws.


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Megan

7/24/2018
Our cat is doing amazingly well. The surgery was a success and the biopsy negative for cancer. He received excellent care from his vet and he is back to being his energetic, crazy self. I didn't realize how much he had slowed down until the mass was discovered and removed. He's like a kitten again. I submitted our vet receipts to Healthy Paws and have already been reimbursed. The claims process went exactly as you stated on your website. All went smoothly and promptly. We hope to never need to use the insurance like that again, but we know it's there just in case.



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