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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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Emily F

7/4/2017
Healthy Paws has been great and we would highly recommend it to any pet parent. They've been quick at processing claims so we can feel good about getting our babies the care they need. The app is so simple to use, it makes things so easy. Insurance is so important for our pets and Healthy Paws is a great choice!

C
Christine L

7/3/2017
Healthy Paws was super responsive and helpful. It's stressful when your pet gets sick, add to that the cost of vet bills, and it's so good to have a reliable pet insurance company who will process your claim without giving you grief. I had a prior bad experience with VPI Pet Insurance so very grateful that I'm with Healthy Paws now. They are also very easy to use.

Justin B

7/3/2017
My cat Artemis had a severe ear infection and needed to go to our regular vet an a specialist multiple times. Healthy Paws has been great and I appreciate all of the help I have received. They not only made the initial claim process easy and intuitive, but their customer service was beyond reproach. They made my billing with the specialist easy through the use of a direct pay arrangement and were courteous, prompt and friendly in both their emails and phone conversations. The biggest reason for me to write this review is for their stellar customer service. They not only made the process easy, but also took the time to follow up after the procedure was done. Their kind email sealed... Read More

Angie A

7/3/2017
Healthy Paws has even fantastic, quick to accept claims and reimburse even quicker. Their customer support is super helpful and even followed up post surgery to check in on our dog!

S
Sandra K

7/3/2017
It is unusual for an online organization to convey a sense of personal connection with their customers. That is what Healthy Paws does. Their first concern is about my dog's health. When the hospital sent in the bill, two days later I received a notice from Healthy Paws that a check was in the mail. Not only are they extremely efficient, they genuinely care about the pets they serve. Two weeks later I received an email asking how Tiger was doing and hoping all was well. Not necessary but very much appreciated that they hadn't just paid the bill and closed the file. Last year on vacation out of state, an emergency visit was paid equally as quickly. It's reassuring to know they are there for... Read More

G
Gary J

7/3/2017
My 2yr old French Bulldog recently had surgery for intestinal blockage. My wife and I are both very impressed with how fast our claim was processed with very little work on our end. About two years ago my other dog had an emergency surgery, from that point on we knew we had to get covered. I am so glad we chose Healthy Paws.

R
Robert W

7/2/2017
Let me make this short and sweet. Don't waste your time trying to compare insurance companies. Healthy Paws is incredible. Run, don't walk to your telephone or computer and sign up!!

M
Mark C

7/1/2017
We have all three of our dogs covered with Healthy Paws. Customer service is beyond good. The process to submit claims is intuitive and easy. Our lab-mix has had both his ACLs repaired. Each time Healthy Paws not only covered the procedures and reimbursed within a week, but the staff reached out and followed up to see how he was doing after the surgery. I have recommended Healthy Paws to many of my friends and associates because this company cares!

Anna H

6/30/2017
I called in advance to make sure my pet will be covered before he went to surgery and they were so helpful. After he had surgery the claim was processed within 2-3 days and within a week I got my check. They also sent an email to check up on my puppy. Best pet insurance!

E
Elisa C

6/30/2017
First of all, if you have a pet, get pet insurance! And a really really really good one is Healthy Paws! When things come up you don't expect, they make it so easy to concentrate on what's best for your pet! Super simple to submit a claim, always friendly if you need to call, quick turnaround and nice follow thru! Would highly recommend!

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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