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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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Phil E

8/6/2017
JUST DO IT. THEY'RE AMAZING! Sadly, our dog got a nasty lung cancer tumor. We did surgery and started chemotherapy but unfortunately the tumor had spread and we had to say goodbye to him. Throughout his illness, we submitted probably a dozen bills totalling over $12000 (yes, twelve thousand). Healthy Paws paid every single bill, no questions or pushback. All the claims were approved SAME DAY. The checks came in less than a week. They emailed us support and condolences. I honestly can't see how it could have been better (unless free). I will never have a dog without having Healthy Paws, period.

V
Valerie

8/5/2017
I have heard stories from other pet owners about the worthlessness of having pet insurance. My friends would ask why I didn't just put that $40-50/month into a savings account accessible immediately if I needed it. If I'd taken that approach I know that I never would have continued to save due to more urgent financial concerns. So when my 11-year old, 20 lb. terrier mix had a cranial cruciate ligament tear I was relieved that I'd kept up my coverage with Healthy Paws Pet Insurance. Between our regular vet's bill for diagnosis and the surgeon's bill for treatment the total was almost $4000. After my $500 deductible was met Healthy Paws covered 90% of the remaining amount. Since this... Read More

Stephanie C

8/4/2017
Owning a pet is a huge responsibility, but also a very rewarding one. They are your family and regardless of your mood, they are so happy to see you. So, you want your best friend to have the healthiest food, exercise and a healthy life. I got my beagle Bailey in April 2013. Beagles are hearty and healthy dogs, so I felt I didn’t need to purchase insurance for him. One day he was kind of off, so I took him to my vet. They gave him some meds and I took him home. He was still off, drooling and very stand off-ish. Normally he wants to be by your side, but he was paranoid. So, it was too late to go back to my vet, so I went to urgent care and he ended up spending the night. Well, after that... Read More

P
Patty S

8/3/2017
I am SO thankful we have Healthy Paws Pet Insurance! We went through expensive vet bills with our two previous Bull Terriers and, upon adopting our newest Bully decided to get insurance for her as soon as we brought her home. I read many reviews and Healthy Paws almost seemed too good to be true but I enrolled and, boy, I am SO thankful I did. We rescued this sweet girl from a shelter and HP covered her checkups and meds when she had little ailments but the real test was when she was found to have a heart problem. We thought that was going to be the end of this pup who was given a rotten hand in life - 1st being dumped in the country then this! Healthy Paws came through and... Read More

Harpreet S

8/2/2017
The best pet insurance company. Healthy Paws has paid all of the claims for our dog and cat without question. They are a fair, honest insurance company and I'd highly recommend them.

R
rebecca

8/1/2017
Healthy Paws has been a pleasure to deal with! My sweet dog just had knee surgery and Healthy Paws reviewed her claim and processed our payment very quickly. They even sent an email after her surgery checking in on her to see how she was doing. Very thoughtful!

M
Mark R

8/1/2017
I just wanted to publically thank Healthy Paws Pet Insurance for performing above an beyond in processing my claim for our Golden Retriever (Newman). He was diagnosed with a cancerous tumor. They processed the claim w/in a 3 business days, and thru direct deposit, I received m reimbursement. Health related issues are bad enough, so the last thing on your mind that you want to deal with is the administrative part. I've been a Healthy Paws policy owner since 2013. I had a few issues along the way...like our dog swollowing an entire baseball hide whole. In each and every claim, Healthy Paws has stepped up to the plate. It is well worth the investment, and I would urge anyone and everyone... Read More

L
Lesli M

8/1/2017
As cat parents, my husband and I learned the hard way how costly excellent cat healthcare can be. Our first fur babies were both rescued as adult cats and did not have insurance. We realized the importance of getting pet insurance too late; thousands of dollars later. When we adopted our triplets from the shelter (we had only planned on getting two, but there they were, three beauties waiting for a home) we learned from our previous experiences and immediately began researching for insurance. We knew that we needed to get insurance while they were still young because some insurance companies place age restrictions and other limiting parameters on purchasing insurance. Healthy Paws... Read More

Roman Z

7/31/2017
Never in my life have I experienced such a high level of customer service and care than Healthy Paws. My car Chewie got really sick, multiple times, and Healthy Paws helped lighten the burden and helped my cat survive his operation. They even sent messages each time he was hospitalized to see how how was coming along. Thank you HP! I highly recommend them and hope they one day start insuring human beings :)

D
Donna F

7/31/2017
We are so thankful to have Healthy Paws Pet Insurance. Two days after our insurance became effective our puppy new puppy, Snowflake, started having a horrible cough that progressed to pneumonia within a week. Snowflake had to go to the Emergency Vet. Hospital near us and required intense treatment overnight. She was released with instructions to take 6 different prescriptions and had several follow up visits. We were so pleased not to have to worry about the high cost of vet. bills, medication and hospital stay. Healthy Paws covered most of the expenses and within a few days we received the reimbursement checks. More recently Snowflake became ill, underwent several diagnostic tests... 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
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