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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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Joseph A

6/13/2018
It's easy to file a claim and payment was prompt. So far we have been reimbursed over $9,000.00 when our dog required major surgery. They even emailed me to see how she was doing!

E
Erick

6/13/2018
Dealing with claim was the easiest thing ever and all my time and attention went to take care of my dog. I highly recommend it. Easy to take photo of bills and upload to claim.

S
Susan S

6/13/2018
Our 10 month old puppy, Leo was diagnosed with a serious condition in which he had to undergo a serious surgery involving his skull and spinal cord. Healthy Paws reviewed our claim and sent an answer back to us within 24 hours. We received our claim check within days of submitting it. Dealing with Healthy Paws Insurance for our puppy relieved so much stress at a very difficult time for our family. It allowed us to get the best medical care for our Leo and to be able to concentrate on his recovery. I highly recommend this Insurance company!!

Jake L

6/13/2018
Process for submitting claims was simple and easy, processing and receiving payment was fast and direct. Great to have such a reliable service letting you focus on your pet when they're not well instead of worrying about a giant bill from the vet or jumping through hoops to get a claim processed. Cannot recommend enough!

M
Melanie Z

6/13/2018
I highly recommend Healthy Paws. The claims process was easy and when we called with questions they were very helpful and kind. Once the paperwork was submitted, we received a reimbursement check within a few days. They even email to check in on your pet and see how they're doing, which I thought was really nice. Our dogs are getting older and when there is a health issue it can get very expensive very quickly. I was always skeptical about pet insurance but Healthy Paws has been wonderful.

A
Amanda

6/13/2018
Healthy Paws is literally the best pet insurance available on the market. After several specialist visits and extensive testing, our pup was diagnosed with a medical condition this year. Healthy Paws quickly processed each and every transaction and took the financial burden off our shoulders. The process to file a claim is so simple and there really are never any surprises, hidden limits, exceptions, etc. My fiance and I are getting married this year and without Healthy Paws support, we would have experienced much more financial stress during the diagnosis process. Not only that, but every interaction with the Healthy Paws staff exceeded our expectations. What a great group of people! They... Read More

D
Deannw

6/12/2018
My Dalmatian recently had to be tested for allergies. Throughout the process, Healthy Paws quickly responded to my questions as to what would be covered. All of the testing and medicines were covered! Submitting the statement is the easiest thing! Just take a picture with your phone and submit! Our reimbursement (numbers based on our coverage plan) was received in a very short time following the submission of the statement. As great as all that is, the greatest was receiving an email from Healthy Paws the following week. Simply put, they were checking in to see how my girl was doing. An insurance company that actually cares! Amazing! Couldn’t be happier with Healthy Paws!

Bj D

6/11/2018
After paying for insurance for my dog, Timmy for 9 years, and never using it, the time finally came, and it was a whopper. He developed an abscess in his liver and was in the hospital for four days. But the reimbursal process was as quick and easy as possible. Plus which, I received several emails inquiring about Timmy and expressing the hope that he was healing. Such a nice touch! I highly recommend this company.

Adriana C

6/9/2018
So this is one of the first reviews I've ever written but really felt it was important. I'm a pet parent to two awesome and quirky cats that our family adores and was heart broken when one of them came back with a diagnosis of mast cell cancer right before this last Christmas. He was always so happy and healthy, and from what seemed like one week to the next, we were given the option of starting him on palliative care or going to a specialist to see if there was anything at all that could be done. I wanted to give my kitty every chance to hold onto his life, so decided to take him to an oncologist and do whatever possible - whether it meant using up my savings or putting his care on a... Read More

A
Ann M

6/9/2018
I've had labs for years and never insured them. Tragically I experienced every dog owner's nightmare a couple of years ago with cancer striking one of them and the costs associated with an MRI as I would have done anything to help him. With these new pups I chose to look into insurance and thankfully I did! The youngest of the two has already undergone surgery on both his elbows and the insurance reimbursement has definitely helped. The claim filing is very quick and easy. I am so glad I made this choice of coverage for my two hairy kids!

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