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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.
 
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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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3291 Customer Comments & Reviews

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Annette C

7/6/2018
I invested in pet insurance for the first time. G before hand I reviewed some consumer ratings and decided on Healthy Paws. I couldn’t be happier. The price is reasonable and it was super simple to file claims from the app on my phone. They kept me updated regarding the status of my claim and the refund due came quickly. I would highly recommend this pet insurance.

T
Teo M

7/6/2018
We have two Frenchies and both have been insured with Healthy Paws since they were puppies. I compared Healthy Paws to two other pet insurance policies and a couple things I preferred about Healthy Paws is there is an unlimited lifetime benefit and no breed-specific exclusions. Some years the policy pays for itself and some years it does not. But the expense of the policy is worth it. Recently one of our Frenchies suddenly could not walk. After admitting her to the hospital, I called Healthy Paws and they were compassionate and understanding and reassured me that the policy would cover the services. The bills totaled over $6,000 and a week later I received a check for 90% of the... Read More

S
Spencer L

7/6/2018
We did a lot of research before purchasing a Pet Insurance policy and landed on Healthy Paws due to many great reviews and testimonials. After four years, we can say with certainty that there is absolutely no other policy out there that comes close to Healthy Paws. This is truly the pet-first policy and has proven multiple times that it stands with pets and their owners. We recently had a series of health issues with our dog, including a major surgery and approximately $8,000 in medical bills. The claims process was extremely easy, convenient, and there was no argument about any charges. Healthy Paws distributed claims and money from start to finish in about a week, truly fast and... Read More

Mendy M

7/6/2018
I just wanted to leave a review of Healthy Paws and my experience. I am pleased to say they have exceeded my expectations. I have had many pets in the past and this is the first time I have purchased pet insurance. After a lot of research I decided to go with Healthy Paws. When we got our new Rottweiler puppy, who knew then that 12 months later she would be having doggie ACL repair surgery. So at 15 months, Carolina goes in to have surgery and I pay upfront with the "hopes" that Healthy Paws will reimburse me as stated in the contract. I am pleased to say they have exceeded my expectations. I have submitted my claims within 3 days of each visit or surgery and I have been reimbursed... Read More

C
cody r

7/5/2018
best pet insurance and customer service in the market, hands down!! We are so thankful #healthypaws allowing us to seek the best medical care for our goldendoodle, time and time again

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Lisa v

7/2/2018
Healthy Paws is the best and your pet needs them (so do you). They genuinely care about my cat and my needs. I called a few times after I submitted my first claim to ask some questions. Each representative I talked to was kind and concerned about my cat. They also were very knowledgeable and helped me get the answers I needed. They even follow up to ask how my cat is doing after my claims have been processed. The claims are processed very quickly. I wish human health insurance companies cared as much as they do.

N
Nick B

7/2/2018
ABSOLUTEY HORRIBLE!!! STAY AWAY!!! ABSURD PREMIUM INCREASES!!! As a small business owner, I never write bad reviews and always give companies the benefit of the doubt because I understand how hard service businesses are and how damaging poor reviews can be. However, what I have just experienced was so bad, this review needed to be done to help and warm other pet parents. My dog has been insured with Healthy Paws since August 2016. Luckily, no major claims of any kind, just some tests and meds for a stomach bug. Out of the blue, I get what starts out to be a friendly ‘upcoming anniversary’ email that turns into a premium increase notice. I get it, insurance premiums almost always notch up... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Nick - we understand this increase was larger than normal, but there continues to be an overall increase in the frequency of high-value treatments such as anterior cruciate ligament surgeries, cancer treatments including chemotherapy, and foreign body exploratory surgeries performed by veterinarians that ranged anywhere from $3,000-$16,000 in cost. Due to these increasing costs of new technology and advances in veterinary care, rates were adjusted. These increases provide you the opportunity to offer your pet the best medical and diagnostic options available today. Rest assured, we will never penalize you with higher rates for making claims. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of veterinary care. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website. We understand that no one likes any form of premium increase no matter how much it is, but our competitors premiums are anywhere from 24% to 126% higher overall than your premium with Healthy Paws. We’d be more than happy to send you these comparisons from the other leading pet insurance companies based on your current deductible and reimbursement level. Just contact our customer care team and ask to have the price comparison emailed to you.
Andrew W

6/30/2018
I’d like to say thank you to Healthy Paws for how simple the process was with my dog Maverick’s claim. This was the first significant claim we’ve had to submit for Maverick, and given the fact that they’re an insurance company, we were fully expecting to have to go twelve rounds to get reimbursed, but that wasn’t the case at all. We even picked a cheaper vet to get the surgery at, two hours away from where we live, just in case we were given the stiff arm. Everything was super easy though. The process for submitting the claim took all of two minutes on my phone and I was notified within a couple days that the claim was approved. It was nice being able to focus on Maverick’s recovery versus... Read More

M
Mike

6/30/2018
Healthy Paws offers great pet insurance. We have found them to be responsive with great customer service. They keep you informed on every step of the claims process and resolves all claims very quickly. We give 5 Stars to Healthy Paws! Thanks, Mike, Sherry & Emma (our Havanese)

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Aimee P

6/29/2018
Absolutely amazing! Our dog had an unexpected trip to the emergency vet. The staff at Healthy Paws was incredibly nice, knowledgeable, and helpful. I was so worried about my girl since she was at the emergency vet for 4 days 3 nights and the staff walked me through the process of filing my claim and assisting me wth everything. One of the best customer service experiences I have had! Very happy and will continue now and in the future to get insurance through them.

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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