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Healthy Paws Pet Insurance Review

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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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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!!

A
Anna

1/9/2018
Recently my dog had a surgery to repair torn ACL. HealthyPaws covered 90% of the surgery cost within two weeks of submitting a claim. I am very happy with the service they provide and would highly recommend them to anyone who is looking for the pet insurance

Kristen D

1/9/2018
I can't recommend healthy paws enough. Their rates are extremely reasonable and when it came down to really needing them, they were time efficient and exceptionally supportive. My pup tore her ACL and the process to have it healed was extensive and stressful. Submitting my numerous claims was seamless and the reimbursement was quick and easy. I have recommended them to my Vet and Dog PT as well for other pet parents that are looking for a reliable insurance. 5 stars!!

Jackie N

1/9/2018
Healthy Paws has always been there for me when my Goldendoodle has unforeseen issues. So happy I chose them for my pet insurance.

Ellen L

1/8/2018
Healthy Paws has been a lifesaver - literally! My aging dog lost his eyesight, and subsequently fell and broke his shoulder. Between the emergency visit, surgery, medications, and physical therapy, his medical care is costing in the tens of thousands of dollars. Healthy Paws reimbursed the charges, as expected, with no hassle, and no complaints. And claims submission is a breeze online. And, the icing on the cake - they even check in on how my dog is doing from time to time. What health insurance company does that? Healthy Paws! I cannot recommend them highly enough. Because of them, my dog is getting excellent medical care that I would not otherwise be able to afford. Thank you!

A
Andrea L

1/8/2018
Our dog was attacked by a friend's golden retriever recently and ruptured a disk in his back. Healthy Paws has been amazing throughout this ordeal and we tell everyone who asks that pet insurance is a necessity and that Healthy Paws is top-notch. They pay their claims in a timely manner and show concern for your pet. We are beyond thankful that we were able to get him the care that he needed.

M
maja b

1/8/2018
We have been beyond thrilled with our experience! Healthy Paws has helped to make what would have been difficult decisions regarding the care of our dog a total no-brainer! Also, I cannot believe how easy and uncomplicated it is to submit a claim. I would recommend Healthy Paws to absolutely anyone.

B
Bryan D

1/7/2018
Healthy Paws is easy and hassle-free, and very consistent about their coverage even when my dog Leland had to undergo an expensive ACL surgery. I joined after leaving Trupanion, who reserves the right to pick and choose what they cover on a case by case basis, and I couldn't have made a better decision.

J
Joanne D

1/5/2018
I have many friends who are dog lovers and I always encourage them to buy HealthyPaws insurance for their pets. I am a firm believer of insurance and just cannot understand why every pet owner does not have it. What does a premium cost - one dinner out a month etc. Our friends just bought your insurance and I am in the process of convincing a family member. Thank you for your fantastic insurance and quality/professional employees.

Bert S

1/5/2018
Healthy Paws has been the single best investment we've mad in years. The coverage is fantastic. The rates are very reasonable. They always pay without question or issue. The claims process is quick and easy. They even reimburse you now via direct deposit. We love our dog like family, so it made sense to get him health insurance. I'm just glad we chose healthy Paws. We will be with them for life for this dog and all dogs in the future.

Top Rated
Our Partner
  • 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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