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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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DR. &

11/6/2017
My husband and I, senior citizens, decided to get our Maggie (Havanese) after we fell in love with our daughter's Havanese. We assisted our daughter in choosing the 'best' and know now, the 'RIGHT' pet insurance company. Healthy Paws Pet Insurance goes "ABOVE and BEYOND" to provide the best insurance for pets. We have had two claims already which were handles promptly, professionally and to our satisfaction. Would recommend Healthy Paws to anyone searching for pet insurance.

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Barbara

11/5/2017
My lab gets into more trouble than I ever imagined he would. Getting insurance was the best decision I've ever made. He has had major issues, like getting into poison, and tearing his ACL which required a very expensive surgery. Each time I have submitted a claim, I have received payment promptly. I chose Healthy Paws because their plans did not have a lifetime or annual limit like the other companies do. Very happy with their service, and highly recommend.

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David D

11/5/2017
I got my dog in December 2016 when he was only eight weeks old. I insured him almost immediately with Healthy Paws because they were so highly rated. There was nothing anywhere in their website or info that they didn’t cover pets in Canada. They have had my Canadian address from day one and have been taking my monthly premiums.. My dog has just recently had serious liver issues and surgery and it wasn’t until I filed the claim that I was informed that they don’t cover Pets in Canada. I am very disappointed. I have recommended the company to my friends, thank God no one signed up.

Ellie W

11/4/2017
In 2010, we got our pup and did our due diligence in pet insurance research to make sure we planned for our dog, Zach. Friends and family would tease us about the money we were "wasting" on this insurance when there were cheaper options available; however, we felt most comfortable with Healthy Paws after comparing all the plans and company reputation. 6+ years flew by and we rarely ever used the insurance but was happy that our dog was living a happy and healthy life. Unfortunately, 2017 was not so smooth. After finding a cyst and bladder stones, the doctor visits and surgeries were enough to stress any pet parents out. One thing we did not have to worry about (thanks to our original... Read More

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levi52058

11/1/2017
My dog a Maltese Mix became deathly ill in a matter of hours. We rushed to the vets where they said she was a sick-sick little dog. The sheer terror at the possible loss of my 3year old companion was all I could handle. I told my vet that I had insurance with healthy paws. I'm disabled with no disposable income, but they allowed me to pay a small down payment. Healthy paws contacted me right off with settlement amounts & in a couple days settlement was in my account! I was able to pay wonderful vet who saved my little girls life. Without Healthy paws I couldn't have afforded the care that saved her!!! All my THANKS Healthy Paws.

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Robin K

10/31/2017
We have been a member for over three years now. We've had an exceptional experience with Healthy Paws for this time. Our English Bulldog had a major surgery and recently was very ill. Because of Healthy Paws our baby was well taken care of. Like most pet owners, our dog is a member of our family. We are thankful for the efficiency and caring of Healthy Paws. I would recommend this company especially for Bully owners!

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lauren

10/31/2017
Healthy paws has been excellent with my helping me with the claims for my dog Bella. Bella tore her ACL and it has been terrible because she just turned 2 years old as is a very active young pitty. The reps at Healthy Paws have made a terrible time much easier and got me my reimbursements much more quickly than I ever expected. They even call and write to see how Bella is doing!! They are a great company and I would recommend them to anyone with loves their pets..

Nate L

10/30/2017
I write this review while in the midst of one of the most challenging periods in my life. My dog is seriously ill and I am awaiting the results of a test run by a specialist. I have been doing little else besides waiting for the phone to ring and taking care of my other animals. Nonetheless I am making time to acknowledge the simply outstanding care and service I have received as a Healthy Paws client. Without both the robust coverage afforded me by their policies, and their above and beyond customer service, I can honestly say my dog might not be alive right now. I have been a client with Healthy Paws for five years now and have received many time more in medical coverage for my... Read More

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Garrett

10/30/2017
Healthy paws has time and time again proven to be the best choice I have made in my dogs healthcare. My dog was hit by a car a week before my wedding. With the bills already mounting I started to panic. I spoke with Sabrina at healthy paws and she had my claim submitted before I had even picked up my dog from the vet. They covered 90% of my bills and relieved all my stress. From top the bottom the organization cares about its customers and pets. They even sent a hand written get will card :) I highly advice all new pet owners to get pet insurance!

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Amer J

10/30/2017
I've been with Healthy Paws since I got my puppy, Bert, at 6 weeks old. Healthy Paws has been incredibly supportive, and the claim process couldn't be easier on my smart phone. When your best friend is hurting, they're supportive, quick to respond, and love helping and answering questions. Last time I called I talked to the representative about my dog's least favorite treats for almost 15 minutes. They're friendly and informative. I can't speak highly enough about this incredible company. Lifetime customer!

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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