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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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diannesusanmiller

12/12/2022
When I adopted my rescue pup, I wanted to get insurance since he's little and could very easily be hurt by a large dog, car, etc. I hadn't had any major issues with him in the first couple years, but then he decided to eat a large amount of plastic a couple of weeks ago, which required surgery to extract. HealthyPaws quickly approved and reimbursed my claims within just a few days of me submitting invoices and medical records! It was a very easy process, and the cost of coverage is reasonable, especially compared to some other plans I looked into. I have recommended HealthyPaws to several friends! (And my baby is doing very well; I doubt he learned any lessons from this, but I sure have!)

robertqian

12/12/2022
Definitely the easiest pet insurance company i've worked with. Claims get processed super quickly and with minimal fuss. Easy to understand premiums and limitations.

Jennifer C

11/10/2022
Having pet insurance was the best decision we've ever made as pet parents. We've unfortunately had to leverage our Healthy Paws pet insurance a few times for one of our dogs. Having the assurance that we do not have to let financial impact get in the way of having the best care for our dogs is invaluable. Not to mention Healthy Paws have always provided great customer service and our claims have always been processed in a timely manner. We cannot recommend pet insurance and specifically Healthy Paws enough. We’re very grateful for the coverage.

K
Kelly

11/9/2022
Healthy paws insurance has been a life saver for our Reba girl who developed Cancer We were able to see specialists and get her the best care that we could afford with the help of this insurance company They sent checks very promptly also I have 3 dogs insured with them

George '

11/9/2022
At first being skeptical of the idea of pet insurance, my mind was changed due the prompt responses to the claims I have filed with Healthy Paws! They hold true to policy coverage and are not inclined to rejects claims once the deductible and coverage conditions have been met. Absolutely no complaints, and I highly recommend their pet insurance products!

caryssa.carlos2010

11/1/2022
I have been with Healthy Paws for a few years now and they have helped me save so much money. As my pets have grown older, there have been unexpected visits and having pet insurance helps a lot. They even email and ask how your pet is doing which shows they care. No complaints so far.

Erika S

11/1/2022
I had been told by vets and friends that I shouldn't get Pet Insurance because "they won't reimburse you" or "It's better to just pay out of pocket." I had also tried other Pet Insurance companies in the past and felt like they didn't cover much of anything. However, a family member of mine URGED me to specifically try Healthy Paws Pet Insurance due to his own positive experience. TRULY, one of the BEST DECISIONS I made for my two dogs. It was REFRESHING to work with an insurance company that 1) was easy to submit a claim, 2) worked SO fast. I'm talking 24 hours for reimbursement direct to my account, and 3) genuinely cared for the health and well being of my dog, who went through major... Read More

eric9204

10/26/2022
I have two dogs, one is a Wirehaired Pointing Griffon. He is a great family dog but very energetic and always getitng into trouble. I am very happy that Healthy Paws is able to provide support whenever we have needed to take Jasper to emergency vet for x-rays, or surgery, and medications. They are very quick to respond to questions, address claims, and reimbursement distribution. I would highly recommend healthy paws to anyone looking for pet insurance especially if you have at least 3-4 frequent visits to the vet for non-preventative care.

christinapshu

10/19/2022
I have a 9 year old rescue dog that has been covered through Healthy Paws since her adoption about 5 years ago. Since then she has been diagnosed with several mast cell tumors, myeloma, arthritis, and glaucoma, resulting in lots of vet visits, medications and surgeries. Throughout everything Healthy Paws has been very easy to work with in submitting a claim, quick in responding, and easy to understand in terms of what is covered and what is not. I'm so grateful to have pet insurance and Healthy Paws has saved me lots of money, and made me feel more comfortable in getting my pet the best healthcare!

S
Stacey K

10/13/2022
I have had Healthy Paws for years now. I recently had to file my first claim after my pup was diagnosed with Mast Cell Cancer and needed surgery to remove. My claim was quickly processed in a easy to use app. Healthy Paws even checked in to see how my girl was feeling after surgery. So grateful for Healthy Paws!

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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