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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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Kristin H

5/2/2018
Healthy Paws literally saved my dog’s life! Without it, I wouldn’t have been able to get her the treatment she needed. Healthy Paws paid my claims quickly and it gave me peace of mind to know that I would be reimbursed quickly following some large expenses. Knowing I had great insurance made all the difference.

H
Howard B

5/2/2018
Healthy Paws is the best! It is extremely easy to submit claims; my vet sends me a PDF file with my invoice via e-mail, and I just upload this on the Health Paws website. In addition, Healthy Paws processes my claims in an extremely timely manner, with everything resolved in less than two weeks. Any coverage benefits are deposited directly to my checking account. The whole process couldn't be easier! All this for an extremely reasonable cost. Add in great customer service and I am VERY happy that I chose Healthy Paws.

S
Sue

5/1/2018
We've had Healthy Paws Pet Insurance ever since we rescued our fur child 3 years ago and we are so happy with the level of service we receive from Healthy Paws. Although you never want to submit a claim because it means something bad has happened to your pup, the claims process is easy and Healthy Paws always makes it a point to check in on your dog after the fact. Highly recommend!

A
Amy S

4/30/2018
I picked Healthy Paws insurance for my Boston terrier based on its commitment to helping homeless pets. The company is caring and compassionate, and I couldn't be happier with my decision. Ernie recently lost his eye to glaucoma, and though it was a difficult time, dealing with Healthy Paws could not have been easier. Filing claims involves nothing more than snapping and sending a picture on your phone, and payment is prompt. I am so grateful for the incredible service and the peace of mind having such good coverage brings. Thank you!

L
Lamont P

4/30/2018
I assure anyone who reads this that I am not exaggerating when I write that Healthy Paws has been an absolute life saver for my family. Recently, we fostered an Alaskan malamute, Tuna, because her people were going through challenging times. When it became clear that they would no longer be able to care for Tuna, of course our heart broke at the idea of letting her go. As a young couple with a wedding, and hopefully home-ownership, on the horizon we knew that caring for a giant breed dog would not be easy. After many tumultuous nights, we established a budget that, although challenging, would work for our new slightly larger family. Recently, Tuna has had issues with serious nasal... Read More

I
Izzy

4/29/2018
Healthy Paws is the most reliable, efficient pet insurance I ever carried. My only regret is not knowing about them sooner. We have been insuring our Beagle for the past 6 years with them, after wasting a lot of $$ with another company, Healthy Paws offers many options of payments and coverage. We selected the 90% coverage after a $200 annual deductible and Healthy Paws came through every time and direct deposited the full 90% within 10 days of submitting the claim. Very impressive. They even followed up to find out how our Pooch was doing after his surgery; this was done by a caring and REAL person not an automated message. I am telling every pet owner I meet about Healthy Paws,... Read More

T
Tara

4/29/2018
I’ve tried a few insurance companies, and Healthy Paws is by far the best. Not only is their coverage fantastic, but the company truly cares. When my dog was sick, they took care of getting the records while I was able to focus on my dog. Love this company and the people that work there!

L
Leslie

4/28/2018
My five year old newfoundland pup has had so many health problems. From ruptured cruciate ligaments and an immune mediated blood disorder to most recently sepsis thanks to a bone getting stuck in her intestine. All have been very expensive, but healthy paws has not only covered the medical costs, but they have actually cared about her recovery. I truly am not sure what I would do without them. For the rest of our lives, we will tell everyone about how wonderful healthy paws pet insurance is!! Oh, and they do amazing things for homeless and disadvantaged pups around the country, I love that. Leslie, Anya and baby Jimmeny

J
Jaime

4/27/2018
Sharkie is a super energetic blue nose pit unfortunately he needed surgery. Thankfully sharkies friends at healthy paws had his back. I’m really thankful towards healthy paws I would definitely recommend healthy paws to any pet parent.

M
Mary F

4/27/2018
I can't even tell you how happy I am with my experience with Healthy Paws Insurance. I'm a first timer when it comes to pet insurance, but when I decided to get a breed of dog that is known to have several health issues, it seemed like a good idea. I'm so glad I did it!! At 7 months old my baby needed surgery to take care of a few congenital issues. I was prepared to pay to be sure my guy was made healthy and whole and would have been happy to get 1/2 my investment back, but really wasn't expecting much. I know how companies can be. Trying to make a profit above all else, cutting corners, finding loop-holes, making you jump thru endless hoops. But Healthy Paws came to my rescue!!... 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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