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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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Paige

4/12/2018
Getting Healthy Paws insurance was probably one of my top ten best decisions of 2017. It's affordable, covers a lot... honestly I was wondering 'what's the catch?' My cat was acting strange one day and my stomach dropped when my usual vet office advised me to take him to an emergency center immediately. They needed to run some major tests to figure out what the problem could be (a laundry list of possible ailments that had me ready to flip out) and then they told me how much it would all cost. I really can't describe the relief of being able to say yes to the tests knowing that I was backed up by HP. Even the veterinarian was relieved I had insurance lol. Putting in the claim was... Read More

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Gina D

4/12/2018
To Heather & the folks at Healthy Paws: I only have had this policy for a year and a half - that is when I adopted my little Scout. Tragically, in February, she was diagnosed with cancer, and since then, as you know, she has had numerous medical procedures - including major surgery to remove a large mediastinal mass. Just want to let you all know that I view my experience with Healthy Paws thus far as wonderful. Thank you all so much for handling my claim competently, fairly and expediently. Since discovering my precious little friend has cancer, I am not certain that I could have death with any complications regarding insurance claims. You all have been terrific, and my family and I... Read More

S
Stephen

4/12/2018
Healthy Paws saved my wallet and quite possibly my Maine Coon Hunter :) Was devastated when he was diagnosed with cancer 2 months ago...and he's needed radiation and chemotherapy - lots of tests and blood work -- and there was Healthy Paws each step making it easy to submit claims and sending reimbursements quickly. I was at the Animal Hospital and saw a family torn apart because they could not afford treatment for their pet....I feel incredibly lucky to have learned about Healthy Paws and can't recommend them enough. (PS my Hunter is going great....hoping that he has a couple more fun years left in him)

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Angie

4/11/2018
Healthy paws saved us on more than one occasion! I was skeptical about having pet insurance after seeing how insurance is going in general. We researched insurance companies for pets for several months and were glad that we did! Last year, our fur baby had a lump removed off the back of her leg, covered 90% of a $1,000 surgery. I thought wow is this real!? Then three weeks later, our wonderful puppy decided to bark while chewing and developed aspirated pneumonia, $1,500 covered 90%. Did I mention I was also on maternity leave with our first?! Fast forward four months she develops a lump in her tummy under her ribs...back to surgery, covered 90% of $1,500 bill. I was extremely happy then... Read More

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Casey A

4/11/2018
Healthy Paws has been incredibly helpful and provided fantastic service in times of crisis. Their pet insurance policies are affordable, and easy-to-use once you have a crisis you need help with. My pup swallowed a tennis ball and it got stuck in his intestines and needed surgery. It was incredibly expensive and an overwhelming time as he needed so much care. I was really happy and grateful to have Healthy Paws and not have to worry about the financial burden this surgery could have caused otherwise. I unequivocally recommend their services.

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Jess

4/11/2018
At only 7-years-old, my Kitty girl recently had surgery for a knee luxation and hip replacement. Healthypaws not only cover this fully but also reached out to me to check on her recovery. I just want to express my gratitude for Healthy Paws. Purchasing this plan has given me peace of mind when it comes to providing the best care for my baby “furr" girls. I am a very happy customer, who will be forever grateful for making the smart decision of purchasing this plan. I will continue to speak highly of Healthy Paws to my family and friends. Pros-Claims processed fast, less than 10 days, convenient direct deposit to your bank account, convenient easy to use App. Peace of mind!!!

K
Kellie G

4/11/2018
I have to say that I am utterly Impressed with Healthy Paws pet . Insurance. They make it super easy to submit your paperwork with an app they have. All you do it take a picture of your information and hit send. They respond in an excellent timely manner. And your reimbursement is prompt. They actually send you an email asking how your pet is doing, they truly care. I would highly recommend healthy paws pet insurance over any other.

C
Christen

4/11/2018
After trying multiple pet insurance companies, I am so thankful I found a partner in Healthy Paws. With others, I never felt like the investment was worth it - but with Healthy Paws, they cover the right things at an affordable monthly payment. Recently, my pet was kept overnight at the vet after getting very sick. I was pleased to see that most of that visit was covered. Had I not had Healthy Paws, that event would have been a major strain on our pockets. The Healthy Paws team even reached out a couple weeks later to check on my pet to make sure she was feeling better. Their app makes submitting claims so simple - and they reimburse you quickly! I would highly recommend Healthy Paws... Read More

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Sharon

4/11/2018
When we got our little Dewey, someone mentioned that we may want to look into getting pet insurance because small dogs can have accidents. Well Healthy Paws Pet Insurance had one of the highest rankings, so I went with them, never dreaming we would need it. But our little fella did indeed have an issue with one of his legs and required quite an extensive surgery to fix it. Healthy Paws put us at ease immediately, with the assurance that the surgery would be covered. But it goes way beyond that, the people at Healthy Paws were so concerned about Dewey and always asked how he was doing. Even two weeks after his surgery and we had received our check, they were so kind to send an email... Read More

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Danielle

4/10/2018
Getting my dog was the best decision I have ever made. Choosing Healthy Paws was the next best decision!! I’m so thankful that I chose Healthy Paws. They have been amazing. They have a great app which you can submit your claims through. They keep you posted of the progress of your claim and the turn around time has always been quick. Their customer service is EXCEPTIONAL..... they even sent me a follow up email to ask me how my dog was feeling after her surgery. I highly recommend Healthy Paws!

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  • 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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