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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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Margaret G

1/27/2018
Healthypaws was easy to send in my claim and I had a check in 10 business days. Can't ask for anything more than that from an insurance company but they also send you an email following up with you and making sure you pup is feeling better. Really can't say enough good things about Healthypaws Insurance.

D
David

1/26/2018
I signed up with Healthy Paws when our puppies were a month or two old. I'm sad to say that one of our puppies needed knee surgery a couple of weeks ago but thanks to Healthy Paws the financial side of it was not a concern. Great service and they even sent me an email asking how Max was doing - after they approved the claim in less than a week. Two thumbs up! Dave

J
Jamie P

1/26/2018
Healthy Paws is an excellent company to work with. They have phenomenal customer service. My dog recently had ACL surgery that cost us $4000 out of pocket and I was refunded 80%. Really helped my family and I can't thank them enough.

A
Arthur S

1/25/2018
I had to write to say how impressed I have been with Healthy Paws insurance. Unfortunately, I had to find out how good a company they are from the tragic death of our beloved kitten. We recently purchased 2 Havana Brown kittens, which we bonded to immediately. As soon as we brought them home I started researching Pet Insurance companies. I decided on Healthy Paws based on reviews and a policy with a low deductible and 90% coverage. 40 days after purchasing our policy one of our kittens suddenly became very lethargic and we rushed him to an Emergency animal hospital. He was stabilized and then we transferred our kitten to a specialty center in NY City. He was found to have a congenital... Read More

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Will N

1/25/2018
They are great - even followed up to check how our pet was doing.

Uta S

1/24/2018
Our 3.5 year old boxer developed a cancerous growth in his eye which had to be removed and we had to scan his entire body for possible tumors. Luckily he is fine for now. Healthy Paws was prompt and flawless in reimbursing us, highly recommended!

J
Joe

1/23/2018
Straight to the point - Healthy paws may have saved my puppy's life. On Christmas day we were surprised to find our 7 month old mastiff puppy with swollen joints and a softball sized mass suddenly appear on his ribs. We rushed him straight to the emergency vet. We were greeted with a costly diagnosis and treatment plan. Thanks to owning pet insurance, I wasn't burdened by any decisions between weighing my puppy's health vs the balance in my bank account. Concerned, I called customer service who was very receptive, answering all of my questions and putting my mind at ease. You could tell the receptionist was genuinely concerned and cared about our current situation. Honestly, this was... Read More

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natiann37

1/23/2018
Healthy Paws was there for me when my puppy had a horrible car accident. They paid the claim on the spot over the phone with my vet. I am so thankful for their support and attentiveness during such a traumatic experience. I would recommend this pet insurance to anyone that has a young puppy, because accidents do happen!

J
Jan M

1/22/2018
I rate healthypaws as one of the best health insurance for your pet. I had to use healthypaws insurance several times in my two young dogs lives and in every instance, they have come through. The service is excellent, you only need to submit their claim form which is very easy to fill out, then submit your receipts. I find it easy to send the form and receipts through email. Within a day or two you receive an email with a claim number then in another day or two you get the explanation of benefits with the amount you will be reimbursed. Within a week to 10 days you receive a check in the mail. I'm very happy I chose healthypaws for my dogs health insurance, I've recommended it to... Read More

S
Sean

1/22/2018
Enrolling in Healthy Paws insurance for our chocolate lab was such a great decision. Our recent experience with the claims process was incredibly easy and an overall relief. Submitting a claim through the app and sending in medical forms is straight forward and takes about 5 minutes. The best part is if you need help and you call the help line, SOMEONE ANSWERS! This is not typical of insurance companies. My claims were reviewed, processed and paid out within a week. Afterwards, they even contacted me to see how my lab was recovering. What an incredible company and service.

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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