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Healthy Paws Pet Insurance Review

3,328 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 Do We Rate Healthy Paws?

Breakdown

4.5/5
Coverage
4.0/5
Cost
4.0/5
Extras

Our 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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3328 Customer Comments & Reviews

Loading Reviews ...
michelegoodman

2/28/2025
I encourage anyone who has a pet to get health insurance for them. Having Healthy Paws for both of my furbabies, past and present, has been tremendously helpful in critical times. Just with any insurance, you never want to have to use it but when the time comes and it’s needed you will thank yourself for being able to take the best possible care of your pet as possible. The customer service is amazing and being reimbursed is hassle free and quick. There is no other pet insurance I would trust more. I’ve been with Healthy Paws for the past 15 years with no regrets. Also, I love how they check in on your furbabies to see how their progress is when they have been seeing the vet repeatedly.... Read More

wong.samuel00

2/28/2025
very fast response and process time. Good approach to questions too

rprose0813

2/25/2025
Healthy Paws had ALWAYS been there for me and my dog Ari! My dogs are my kids…one of my pups, Ari has idiopathic cluster seizures disorder…which is particularly dangerous because if not treated in time can lead to a painful death. I am lucky enough to be near Tufts University veterinary hospital with some of the best neurologists in the world! And through the past 5 years of treatment, appointments, medications, er visits Healthy Paws has been there for me! Living up to their promises, no questions asked, no red tape, just paid claims in a timely manner! Without Healthy Paws, I would have had to take out a second mortgage, but with their help me and Ari are living our best... Read More

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William W

2/23/2025
We have a yellow lab (Simon) and have a pet insurance policy with Healthy Paws. Simon tore his ACL and had to have surgery. Healthy Paws paid the invoice in only two days with no questions asked other than to kindly following up a couple days later inquiring how Simon was recovering. It made a stressful experience easier for us. If you are in the market for pet insurance, I would highly recommend Healthy Paws!

K
Kimberly L

2/20/2025
Healthy Paws is hands down the best pet insurance company out there. Their claims are seamless, quick, and easy. Their customer service is second to none. I was skeptical after dealing with another company that was dishonest years ago with another cat but after she passed, I swore I would never have to choose whether to treat or euthanize due to cost again and I decided to look into pet insurance again. Healthy Paws had one of the best reputations and was very reasonable compared to other reputable companies. My mother also had Healthy Paws and only had good experiences with them so I felt confident choosing them. I’ve been with them for about 1.5 years before I needed to use my... Read More

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Nichole L

2/20/2025
I have been a loyal Healthy Paws Pet Insurance customer since 2019, when my beagle Maisie was just 5 months old, and I’ve always hoped never to need it. However, this past month, Maisie, who is now 5 years old, gave us quite a scare. She ended up in both our regular vet and emergency care for fluid on her heart and in her belly. Thankfully, Healthy Paws made the claims process straightforward, and they quickly reimbursed me for her treatment. One recommendation I would give to new policyholders is to proactively submit all your dog’s medical records each time they visit the vet. Healthy Paws requires all records to process the first payout, and that did cause a slight delay in my case.... Read More

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Taylor

2/17/2025
Over the past year, we have faced multiple pet emergencies, and I can confidently say that without Healthy Paws, our pets wouldn’t be as happy and healthy as they are today. Their support during some truly difficult times has been invaluable. Filing claims has been incredibly easy, and reimbursement has always been prompt. More importantly, the peace of mind that comes with knowing we can focus on getting the best care for our pets—without the overwhelming financial stress—has made all the difference. I sincerely hope no one has to go through traumatic injuries like we have, but if you ever find yourself in that position, you’ll be grateful to have a company like Healthy Paws by your... Read More

Stephanie D

2/5/2025
I highly recommend and refer people to Healthy Paws for insurance for their furry loved ones. I recently had to take my cat to the ER for a urinary blockage and it was a very stressful and expensive process. The only good part of this entire experience was how quickly and effortless it was to submit my claims and for them to be processed and reimbursed without any unneeded conversations or disputes. Healthy Paws even checked in after everything to see how my cat was doing. I wish Healthy Paws could cover my personal medical insurance too, that's how much of a satisfied customer I am!

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Leslie

1/30/2025
All of our pets are covered through Healthy Paws, and it has been a literal life saver for my kitten, who was recently diagnosed with a serious, life-threatening illness. The treatment has been very expensive, but thanks to our coverage, we don’t have to worry so much about the cost of the necessary treatments, and can just focus on getting my kitten well again. In addition to the peace of mind, their customer service has been excellent. I have recommended Healthy Paws to friends and family.

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Eduarda

1/27/2025
STAY AWAY. I used to rave about Healthy Paws, and had a wonderful experience with them with my first cat, so much so that I got my mom and several friends on a plan. Now that I got my 2nd cat insured with them it seems there have been major changes in their customer service and claims team, and I have been truly appalled by lack of customer care, being bounced around from one person to the next with my claims being denied with no real explanation, or explanations that don't make sense based on their own policy. I have lost track of the amount of different people I've spoken to who have told me different things, and feel truly disrespected as a customer. Unfortunately cannot recommend at... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Eduarda, We’re sorry your kitty wasn’t feeling well and for your frustration during the processing of your claims. The claims in question have been processed based upon the terms and conditions of your plan. A Customer Liaison Manager sent an email providing you with more detail. Give your kitty a big hug from us The Healthy Paws Team
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Our Partner

Rated "Best Choice Overall" by Mashable

  • No Maximum Annual or Lifetime Payouts
  • No Enrollment or Administrative Fees
  • Most Claims are Processed in 2 Days
  • Trusted by More than 625,000 Parents
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