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Healthy Paws Pet Insurance Review

3,281 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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3281 Customer Comments & Reviews

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Emma

5/24/2018
Healthy paws has been amazing to me and my dog during his emergency! They were super helpful and cooperative and were able to assist me last minute for a pre approved surgery so that there was no delay for his treatment. Their customer service during and after my boys surgery has been above and beyond. I have recommended them to all of my friends with pets.

A
ariela

5/24/2018
Can't say thank you enough! they actually paid what they said they would and also checked on my dog after the incident! unusual for an insurance to act humanely! Thank you HPaws for your honest work and for make us feel in good hands! Mocha is in recovery and will be fine!

J
Jamie

5/24/2018
Healthy Paws was great to work with when our English Bull Terrier went in for emergency surgery to remove a foreign object. We called and they were very responsive on the phone as well as via email. Their prices are reasonable from what I’ve seen and even though pet insurance is very expensive I found it is worth it. After the surgery they emailed to follow up on the well being of my pup and were great about contacting the vet for additional information. Definitely would recommend them in the future.

D
Daisy

5/23/2018
We have been using healthypaws for nearly 3 years for our boy, Denver. All the time, we feel lucky with our choice. It is just so easy to file a claim and the claim gets processed efficiently and professionally. We have been recommending healthypaws to our friends and neighbors who have a fur baby. Recently, we are more than impressed!! Denver was bitten by a rattle snake and remained in 24 hour intensive care for 4 days. The medical bills ran up to nearly $13,000. Healthypaws kept their promise and made it possible for me to focus on caring for Denver, not worrying for the pet policy! Mentally and financially it meant a lot to us! Thank you, Healthypaws! Daisy from CA

M
Marlene J

5/23/2018
I can't say enough amazing things about Healthy Paws Pet Insurance! They are hands down a no-nonsense reliable and professional insurance company. We have had our Duke insured with HP since he was about 10 weeks old and I admit that at times I wondered if it was worth the monthly expense because he has always been fairly healthy except for minor miscellaneous things such as ear infections, etc., but we recently got confirmation that it is no doubt well worth it! It has always been so quick and easy to deal with HP thanks to their user friendly web site and phone app where we file our claims instantly or change coverage options, and the best part is being reimbursed within 7-10 days,... Read More

C
Christine C

5/22/2018
Fabulous!!! So fortunate to have Healthy Paws for my ShihTzu Stella. She recently had surgery for a Luxating Patella. Everyone at HP has been so kind and caring. I have received multiple emails regarding her recovery and sending hugs. HP has provided superior processing and payments of claims. Plus, at anytime I have called HP, the customer service has always been professional, knowledgeable and very considerate. Thank You Healthy Paws!!!

D
DF

5/20/2018
I have 3 dogs and they are all insured through Healthy Paws. One of my dogs is dachshund that had to go through 2 surgeries in the last 2 years. Healthy Paws had been so great and supportive throughout these surgeries and they were quick to reimburse me. His surgery was two weeks and luckily all went great and he is slowly recovering.

T
Tyler

5/20/2018
We never realized how important insurance was for dogs until a couple months after we rescued our first dog, Kyle. Since only a few months old, he has struggled with terrible allergies, bouts of nonstop vomiting, diarrhea, endless trips to the vet, and adding incredible worry to myself and my wife. Thankfully, every single time Kyle has needed medication, xrays, bloodwork, emergency overnight stays, and everything in between, Healthy Paws has covered it all at 90%. When our dog has an emergency, or more common issues, the last thing my wife and I want to have to worry about is "can we afford this?" We can stand here today knowing that our backs, and our dogs, are covered each and every... Read More

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Virginia H

5/19/2018
No one ever expects to deal with a serious illness with their pet soon after adopting them but this is what happened to me. Luckily, I had the presence of mind to sign up my new family member with Healthy Paws as soon as I adopted her and I took her to the vet for her initial wellness exam as soon as she came home. Unfortunately, not than long after she started to show signs she was not feeling well. We ran many tests and exams to determine what was wrong. All through the process the Customer Support at Healthy Paws was exceptionally kind and helpful! The submission of claims was simple and fast and the reimbursement took about a week and there were zero issues with the entire... Read More

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Jessica

5/17/2018
We fell in love with Molly when we brought her home at 8 weeks old. She was our first dog and we didn’t know what we were getting into. Puppies are overwhelming! She was around four months old when she had to have a cancerous growth removed from her leg. She had complications that went along with that. We finally got her healthy and she went lame on that same leg. Lots of activity restrictions, cage rest, multiple sets of X-rays, an MRI, more X-rays, and a joint tap turned up a possible ACL tear. We decided to wait it out and see what happened. We wanted to let our puppy be a puppy for a few months. She eventually completely tore her ACL along with her meniscus. We decided it was... Read More

Top Rated
  • 25% discount on all in-office medical care 
  • Pet wellness plans available
  • No age restrictions
  • Covers pre-existing and hereditary conditions
  • Discounts available immediately on sign-up
  • A+ BBB accredited company
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