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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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Gaynor A

1/15/2018
We are so pleased with Health Paws! Recently, we submitted our first claim which actually consisted of three visits to the vet within two days, including a visit to the emergency/specialty vet. The claims were easy to submit and the response time from Healthy Paws was excellent. We also really appreciated the follow up from Health Paws checking on our dog's well being. Thank you so much!!!!

Bob P

1/14/2018
We have been with this great company since 2013, it has been such a relief to know Healthy Paws was there once again when we needed them. We have encouraged all our pet loving friends to check out Healthy Paws if they want the same peace of mind when it comes to their fury family members health care.

N
N.C.

1/14/2018
My 8-year-old Egyptian Mau recently had a lipoma removed. Having pet insurance certainly made it easier to make the decision to do this promptly, and I believe it saved us all pain, suffering, and expense. Many thanks to Healthy Paws for its streamlined claims process (which I have finally learned to use properly!) and prompt payment. I am very happy that I insured both my Maus with Healthy Paws.

M
Mike

1/12/2018
Quick and efficient process less than a week claim is completed. Thank you Healthy Paws.

J
John D

1/12/2018
The is the second review that I am writing about Healthy Paws which is truly an outstanding company. My dog is three and a half and has undergone several surgeries to correct the condition that she suffers from. Healthy Paws has been incredible. From processing your claims, which can be done through an app, to customer service in the event you need to contact them they have been just incredible. It is the best investment that I could have made for my pet and I give them my highest recommendation.

L
Lauren

1/12/2018
I cannot say enough about how wonderful Heathy Paws Pet Insurance has been and what a wonderful experience I had. Heathy Paws empathy and professional service throughout my dog’s life with me was exceptional. I have recommended and continue to recommend Healthy Paws to so many folks. They always had excellent customer service throughout the three and a half years I had my French bulldog mix rescue. Sadly, he was recently diagnosed with cancer and passed away, but Healthy Paws made it easy during the last few months of his life, which was especially helpful during such a stressful time. I never worried about his insurance. Once your online account is set up, download the app. Using... Read More

Mario A

1/11/2018
Our experience with Healthy Paws Pet Insurance over the past few years has been amazing! Their customer service is incredible - I was especially impressed that they asked how my dog was doing and was very empathetic after his surgery. I received the reimbursement by direct deposit which covered 90% of the vet/surgery bill. The process was simple and very fast. I am very pleased with my experience and would recommend Healthy Paws and always recommend to other pet owners.

J
Jim

1/10/2018
Thanks to Healthy Paws we have literally saved several thousands of dollars on our Golden Retriever puppy. Easy to use. No questions asked, no hassles. Once claims were submitted we got a quick response from them that they were working on the claim and the check came in the mail a few days later. I highly recommend them.

C
Carey

1/10/2018
I couldn't recommend this company more. As a caring pet owner, they provide incredible piece of mind not to mention expedited claims and personal touches across correspondences. Their customer service is top notch, the app is simple to use, and their prompt reimbursements make for the highest recommendation.

A
abigail s

1/9/2018
best pet insurance ! Great customer service , Always timely with claims, never have had a single issue with a claim, Everyone is kind, concerned and helpful, outstanding company. I wish my health insurance was as comprehensive,patient oriented and geared toward the consumer I give Healthy Paws 10 stars!!

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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