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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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F
Fran

12/9/2017
Best rates. I love my plan. No limits. No hassles. Quick turn around on reimbursement. They even check up on my dog. Very pleased.

G
Greg S

12/8/2017
Healthy Paws has been amazing for our family. Whenever one of our pets has had an issue - from our cat with cancer to our dog that needed knee surgery -- Healthy Paws has been right there with us, covering 90% of the costs of treatment. Submitting claims is incredibly easy, and we have always been reimbursed quickly. I recommend Healthy Paws to everyone.

J
J. R

12/8/2017
My dog has had coverage under a Healthy Paws policy since 2011. Because she was a rescue and had experienced a lot of neglect, we were concerned that she might have some medical issues eventually, so we took out a policy for her right away. In the last 6 years, our dog has benefited from a life-saving diagnosis and two major surgical procedures, all with support from our Healthy Paws policy. Healthy Paws has been simply outstanding. Their online claims filing process is very easy to use and claims are reviewed quickly. My most recent claim was expedited, at the offer of the helpful claims representative, when I let her know I was concerned about receiving the funds in time to pay the... Read More

J
Julio

12/8/2017
We purchase insurance and hope we never have to use it but when we do we expect the claims process to be quick and painless. Healthypaws Pet Insurance has exceeded all my expectations. Their customer services was 1st class and their claims process was extremely quick and easy. This being my first claim (hopefully last), they helped me through the claims process which allowed for a quick reimbursement of my vet expenses. If you want world class service, I highly recommend Healthypaws Insurance.

C
Christopher P

12/6/2017
I would strongly recommend Healthy Paws. This was my first time getting a puppy and insurance and I could not be more happy with my choice. Healthy Paws customer service is unparrallel. In my experience, I would call before service hours and get a phone call ten minutes after they open. It was quick and easy filing my claim I did not fax just email or through the app and they would receive my information.

Susan N

12/6/2017
Healthy Paws' coverage is very satisfactory but its customer service is not. It provides email, fax number, and post office box address on its claim forms as methods for claim submissions--with no explanation that one may be faster than any other. I don't have a fax machine or a scanner in my home so I first mailed my claim forms. And then waited and waited and heard nothing. So I called. Customer Service said they had not received my claims, that the mail can be really slow. Two weeks slow?? No way. Though they wouldn't admit it, seems HP checks its p.o. box maybe once a month if that. I asked my vet to fax my forms and HP received them and processed them quickly. I faxed my next claims... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Susan, We’re sorry that your customer service experience do not meet yours or our expectations. We check our PO Box multiple times a week, but between the volume of mail and time to scan into our system, it can take longer than an email or fax to get attached to you account. To meet the demands of our clients and vet hospitals, we do use multiple fax numbers if issues arise with one of them. That was why our customer care team member asked if you knew which number was used. With the volume of faxes we receive, it can take a week (not 2 weeks) to get that information attached to your account when our fax volume is high. As our team member suggested, our phone app will attach the appropriate information directly to your Healthy Paws account. We understand phone storage may be at a minimum, so our app is small compared to others and you can always un-install the app/re-install whenever you need it.
R
Rebecca W

12/5/2017
We have both our French bulldogs insured with Healthy Paws. The app makes it so easy to file claims on your phone, and you can even sign up for direct deposit. One of our dogs recently had to have major surgery - Healthy Paws not only paid our claim quickly, but the followed up to see how our pup was recovering. I wish my insurance company was as kind and courteous!

K
Kristine R

12/5/2017
Healthy Paws insurance is affordable and has excellent coverage. I would never dream of not having my pet insured anymore. It is such great peace of mind knowing I will never have to make a decision for my fur babies based solely on finances... thank you!

Shiv B

12/5/2017
Great customer service, Quick to approve invoices and send payment

Barbara G

12/5/2017
I want to recommend that everyone who has pets purchase insurance from Healthy Paws. Our 1 year old Golden recently had to have major surgery which was very expensive. While going through this horrible time, we had peace of mind - knowing that we were insured and we could afford to save our baby. Please do not hesitate -this is a wonderful company.

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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