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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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Ingrid B

1/5/2018
Healthy paws has been an amazing choice. They have been a life saver and thanks to them I have been able to provide the medical care my dog needs. I could have not done it without them. Not only do they answer all your questions but they always follow up to check on your pet and reimburse you in a timely manner. Make the choice you won’t regret it!

D
Dennis K

1/5/2018
My poor dog had surgery to remove his salivary glands. I was so happy to have Health Paws aid us through the month. The procedure wasn't cheap...the insurance made the process much easier for both of us! The cool part was the follow-up of the procedure...as time went on they have asked me how my buddy Kobuk was doing and continuously told me how they hoped he is getting better. Wasn't intrusive at all, they are very good at customer service! Awesome people, awesome company.

L
Leyla N

12/31/2017
Genuine care. Hassle free claim process. Exceptional service. Highly recommend this insurance. I'm very thankful to all those who make Healthy Paws insurance amazing!

E
Erin D

12/27/2017
I signed both my puppies up in the summer and fall of 2017. You never know if Pet Insurance will be worth it. Suddenly I was my 7 month old puppy came down with a fever of unknown origin. After several Vet visits, overnights and specialists, he was diagnosed with Auto Immune Joint disorder. Fortunately for me I enrolled him with Healthy Paws before this happened and they reimburse a lot of what I have to pay. It didn't take long for them to pay and I didn't have to fight them. I wish human health insurance was this easy! I recommend you enroll your pets early on, before something bad happens that you can't predict. It's worth it.

Alessandra M

12/27/2017
Ever since we acquired Healthy Paws insurance for our dog, we never had any trouble with our claims. However, I have no words to describe how helpful and caring they have been in the past 2 months when she first started presenting back problems and ended up with a diagnose of spleen tumor and a big surgery to have it removed. As the values were very high, I called the company before the surgery to check about payments and they suggested me to call right after submitting my claim, so they could make it faster. In just a few days we got our reimbursement, followed by an e-mail just to check on her recovery and wishing her well. Knowing that we can provide our dog the best treatment and can... Read More

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Anita L

12/27/2017
Best company helpful, courteous, easy website to navigate response and reimbursement are given in a timely manner. I would and have recommended to family and friends .

S
susan

12/26/2017
Great customer service, paid my claim within a week, My dog had a congenital malformation of her knees which did not show up until I had her for a period of time. After showing that I did not know this prior to purchasing the insurance, they paid for all three surgeries. Do not know what I would have done without this service.

R
Rachel

12/26/2017
Claims are easy to submit and are reimbursed quickly (1-2 weeks). They covered 80% of my dogs TPLO surgeries (she tore her CCL's within a few months from each other), medications and physical therapy.

T
Teresa R

12/26/2017
Our bichon friese has had 2 separate injuries involving cruciate ligament tears requiring surgery on her hind legs. Healthy Paws insurance has saved us thousands! Fast claim responseis greatly appreciated!

F
Frank

12/26/2017
I tell all my friends with pets about Healthy Paws! They are extremely friendly and efficient with my claims. I work in health care and this company tops every single human insurance out there!

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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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