We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. Learn more
  1. Home
  2. Pet Insurance
  3. Healthy Paws Review

Healthy Paws Pet Insurance Review

3,280 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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.
 
View Top 10 List

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

Our Comments Policy  |  How to Write an Effective Comment

Leave a comment for Healthy Paws Pet Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

3280 Customer Comments & Reviews

Loading Reviews ...
A
Anna T

8/29/2017
I have a mix-breed 3-year old dog, and she was eligible for the highest coverage (100$ deductible, 90% coverage thereafter) which I purchased. I pay 40-something a month which is substantial, but it was so worth it when my dog had to undergo emergency surgery. She was fetching a stick and jumped, caught it, then landed on it. It impaled under her tongue towards her throat a good 8 inches. The total cost of the surgery and care was close to 1700. Healthy Paws covered about 1400. They have never tried to dispute a claim or tried to argue that a health issue was a pre-existing condition; granted, I placed my dog on insurance when she was 1. Their app is easy to use and submitting claims is... Read More

B
Bree W

8/29/2017
Best pet health insurance out there! We are treated as family and always can depend on them! Highly recommend!

M
Michele O

8/28/2017
Our healthy 11 month old rescue dog caught her leg in a whole while running in the back yard and came limping toward the house on three legs. Two hours later we had been sent directly from our vet to a specialty hospital: x-rays indicated a spiral fracture that could not be splinted. Thea needed orthopedic surgery to pin the delicate bones in her leg back together. We knew it would be expensive and we hoped that our pet insurance would provide the coverage outlined in the policy. Claims staff responded quickly to our questions, and communicated by email to let us know that they had received our claim and that it was being processed. We are happy to report that Healthy Paws... Read More

K
Ken

8/28/2017
Super quick turn around time on claims and exceptional service from their staff. Our lab had a ccl tear, it's as easy as snapping pictures of your bill and submitting your claim through their easy to use app. It gives you such piece of mind to know they cover high priced procedures. They even checked in afterwards to see how she was doing. Definitely worth every penny!!

G
Gabriela M

8/28/2017
My baby Lucy needed surgery after being attacked by my neighbors dog while on a walk. Besides having the support of the medical staff at a great facility, it was nice to know that I had the support of HealthyPaws as well. A representative from the claims department called to ask how Lucy was doing and to informed me that they would be sending the check right away. I have began to recommend healthy paws to friends and family who have pets. I am very pleased and touched that Tim from healthy paws send me a personalized email to check on Lucy. Getting my baby girls pet insurance with healthy paws was a great decision! I highly recommend it.

Melanie D

8/28/2017
If you love your pet, please please get them Healthy Paws insurance ! I am so grateful for what this company has done for me and my English bulldog..nice tried other pet insurance companies but it didn't seem to be worth it because filing a claim was such a hassle and other companies covered almost nothing, but a friend referred me to healthy Paws and I wish I signed up with them sooner ! I opted for the highest level of coverage, and between moves my dog had multiple vets.. Healthy Paws went out of their way to obtain his medical history when I had problems getting in touch with previous vets myself.. they didn't have to do all of that just so they can reimburse me! Unfortunately my pet... Read More

E
Elizabeth

8/28/2017
There are not enough positive things I can say about Healthy Paws Pet Insurance. This was my first experience with pet insurance and I did my research with several companies and Healthy Paws had the best coverage for the most reasonable monthly fee. They cover everything, except the doctor's exam and immunizations, which is incredibly reasonable. Their services have allowed me to get my dog the very best medical care possible and have come to our rescue when she had to have major knee surgery this year. They review and pay claims incredibly fast - usually within a week or 2 and the app is so easy to use! It allows you to take a picture of your receipt and upload it to the site, so you... Read More

E
Evelyn

8/28/2017
I chose Healthy Pet Paws for its high consumer advocate rating. After reading thoroughly through the policies and disclosures I made a purchase. In the morning I saw the receipt that noted an additional $25 set up fee was applied. This set up fee was not disclosed prior to purchase. I'm no longer confident I know exactly what I'm getting, guessing there will be more undisclosed exclusions at a time I really need insurance.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Evelyn - Welcome to the Healthy Paws family! We charge a one-time policy set up fee per policy to cover the cost of the monthly billing costs over the life of your pet. That’s another one of our advantages. Many of our competitors include a $1- $2 policy set up or enrollment fee per pet, per month. So for instance, over 10 years, our policy set up fee would be a maximum of $25 per policy. If you were with another pet insurance company, your monthly enrollment fee could add up to over $240 per each pet. If you have any further questions, please feel free to contact our Customer Care Team via email or call us at 855-898-8991.
Brad M

8/27/2017
After spending well over $10,000 in medical bills on our previous dog, we researched several dog insurance companies before we purchased our new pup. We felt the most comfortable with Healthy Paws and are glad we chose them. Our dog, Denali, sadly, was diagnosed recently with osteosarcoma and we made the difficult decision to have our dog's leg amputated and to start chemotherapy to give him the best chance at survival. These decisions we had to make were tough, on their own, but the entire process was made easier knowing that Healthy Paws was there to provide us with the financial ability to give our Denali the best care possible. As per their website, within 10 business days of my... Read More

Christy C

8/26/2017
I whole heartedly recommend Healthy Paws. Our 14 month old puppy had been in ICU for a full 7 days, having undergone major surgery - Healthy Paws covered 80% of an extremely expensive hospital bill. Receiving our reimbursement helped relieve much anxiety, allowing us to concentrate our attention on caring for our little guy when he finally came home. Also, I was touched that someone personally called, and when they did not reach me, emailed me to inquire on how our puppy was feeling and recuperating Don't know of any company that takes the time to do that. Healthy Paws App for submitting a bill could not be more simple to use - just take a picture of the bill with your phone and... Read More

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
READ FULL REVIEW >
VIEW RATES

Related to Pet Insurance

Top Articles
Suggested Comparisons