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Healthy Paws Pet Insurance Review

3,280 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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3280 Customer Comments & Reviews

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Liz M

5/17/2018
I searched for a good pet insurance for my dog knowing that sooner than later issues would arise. Well sure enough some pretty hefty incidents happened. I’m so happy I went with Healthy Paws. They’ve been nothing but awesome! If I didn’t have them I’m not sure how I would’ve afforded the care that my dog needed. They even follow up and ask how your pet is doing. Who does that in these days? I believe this company started because they really do care what happens to our pets.. thank you again, Healthy Paws!

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Kathleen

5/17/2018
Healthy paws has been fantastic to deal with! Their customer service is wonderful. My 4 legger needed to have an extensive leg surgery. They covered everything other than my deductible and kept in email contact with me the whole time. I even got a follow up email asking how my dog was feeling and recovering. I don’t have human children so my little 4 legger is my son, and I truly feel like healthy paws understands that. They show compassion and respect, as well as enthusiasm and knowledge in every communication I’ve had with them. I would highly recommend!

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Alexa

5/17/2018
Healthy Paws has done so much for our family! When our girl needed unexpected knee surgery, Healthy Paws was the biggest blessing. We were able to get our pup through surgery and post-operative care without needing to worry about our finances. Everyone with whom I’ve spoken at Healthy Paws is kind, caring, and extremely helpful. I could not give a higher recommendation!

C
Claudia O

5/16/2018
Healthy Paws is amazing! My dog Chloe just seems to be accident-prone. From getting bitten by a copperhead snake (ER visit) to reconstructive knee surgery on both knees (and a number of emergencies in between), Healthy Paws has never denied coverage, never quibbled with the bills, and always sent a follow-up email checking on my girl to make sure she is doing better. I could only wish that people health insurance were half as good.

S
Stacie

5/15/2018
Healthy Paws is not only easy to use, but the policies are straight-forward and easy to understand. I never felt confused about what would be covered and what wouldn't be, and submitting claims is so simple. When our large breed dog needed knee surgery, Healthy Paws not only took care of our claim promptly, but checked in to see how our pup was doing. I'd give them 10 stars if I could. We will always insure our pets with Healthy Paws.

K
kerrie b

5/14/2018
I could not be happier with the service and treatment I received from Healthy Paws. My 5 year old, 82# Rhodesian Ridgeback was bitten by a rattlesnake in my backyard one afternoon. I took her to the vet thinking it was am allergic reaction to a bee sting on her face. Turns out it was a rattler and we got her help in time. She needed anti-venom and overnight care. The bill came to $1300. Not only did Healthy Paws cover the 80% after small deductible, but did so VERY quickly and no questions or hassles. They also reached out to make sure she was ok after they heard of my claim. Thank you so much Healthy Paws. Dolce has recovered 100% and is back to being her usual self. Thank you for such... Read More

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Stephanie C

5/12/2018
My experience with Healthy Paws has been phenomenal since day one. My two dogs are covered and both have had major surgery which were covered by Healthy Paws. Their claim process is swift, easy and they respond quickly when more documentation is needed. They have even sent me emails asking how my babies were doing after their surgeries. I highly recommend Healthy Paws!

A
Amelia J

5/11/2018
We adopted Riley from the Humane Society as a healthy 8 month old mixed breed pup last June, and decided to sign up for insurance as a precaution. We didn't think we'd need to use it for a long time. By late fall, we had already nearly met our deductible just over a few months of check-ups for various minor issues. Then, she developed a terrible limp. The vet diagnosed a torn CCL, and recommended expensive TPLO surgery to repair it. It's a common surgery for middle-aged dogs, but unusual for one just a year old. The emotional strain of going through this surgery was extreme for pup and parents, but Healthy Paws significantly reduced the financial strain by processing our claims quickly and... Read More

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Jon

5/10/2018
I have carried Healthy Paws insurance on my 2 red heelers for many years now, and I cannot be happier with the service and support they have provided back to my pups. Both of my dogs have had ACL tears in both legs, and I cannot fathom having to have shelled out $4k + for each one out of pocket. Also, one of my dogs has Panis, which requires very expensive Prednisone drops twice a day. At $90 a bottle, glad I have the help of Healthy Paws to cover that expense. Having a great company, providing great service and support, has allowed my pups to continue to live normal lives despite their injuries. Claims are easy to submit, and payments are extremely quick to get those bills... Read More

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Tony

5/9/2018
Fantastic coverage & very helpful. I give this company the highest rating!

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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