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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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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!

Lindsay C

6/29/2017
We rave to anyone who will listen how much we love Healthy Paws. Not only is it an affordable monthly rate with fantastic benefits, they are FAST and EASY. As soon as we have paid, we can take a picture of the receipt and upload it to their mobile app. Claim submitted, done. It's that easy. The review process and time it takes to get the check is faster than I ever thought an insurance company could work; it takes days. It is the simplest process imaginable. We don't have to think twice about taking our dog to the vet or performing procedures due to expenses. Healthy Paws quite literally makes us worry free when it comes to financing whatever our pup needs. Most people we talk to... Read More

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Lyn

6/29/2017
Healthy Paws has provided excellent coverage for my dog, Louie. I chose Healthy Paws for accident and illness coverage. Wellness exams are not covered, but I feel that those expenses are just part of being a responsible pet owner. Louie broke his toe and also had to have surgery to fix his luxating patella (poor guy). Healthy Paws came through and reimbursed 90% of the costs! The process is simple! I take a picture of my invoice, send it through their app, and the check arrives in a few days! Amazing!!!! I highly recommend Healthy Paws!

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monique H

6/28/2017
Healthy Paws has been a financial life saver. My puppy broke up leg and having Healthy Paws pet insurance eliminated the stress and anxiety that so many pet owners experience when their pet has a medical emergency. Thanks Healthy Paws for keeping your word!

Kelly M

6/28/2017
I can't speak highly enough of Healthy Paws. Our dog is recovering from an expensive surgery to repair a torn CCL, and Health Paws covered the cost of that (and rehab!!!) with no questions asked. They even write to check up on the wellbeing your pet. Every time I've called (with questions about the policy or reimbursement) they have been incredibly friendly and helpful. I will continue to recommend Healthy Paws to all pet owners!

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Larry W

6/25/2017
Thanks for your concerns for our Sofie. After her surgery to remove large stones from her bladder It took less than two weeks to receive a check from you for $1800.00. Thanks for your quick service. I am so glad we used you for our pet insurance. Larry Wolf

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arianna

6/25/2017
Without Healthy Paws, we would not be able to give the best care that our problematic frenchie needs. His problems range from allergies, knee problems, and breathing problems, but thanks to Healthy Paws, we are able to see the best doctors and specialists so that we can continue to have best quality of life we can provide him with. Healthy Paws has processed countless claims for us quickly, both on a consistent monthly basis for our dogs prescription medication, and for large emergency claims like surgery. Lastly, their customer service representatives are always helpful and courteous, and genuinely care about your pet. I don't know how we could have financially supported this dog with the... Read More

Jack C

6/25/2017
I was skeptical of pet insurance. When we adopted our dog Abby, she came with a packet on insurance from Healthy Paws for a reasonable monthly charge. After losing our previous pet to cancer, and since i could cancel the policy at any time, I tried it. I have made at least 4 Vet claims for Abby since then. The process worked exactly as advertised. Explanation of Claims are emailed and are clear, concise, and understandable. My last claim was for surgery amounting to $2,895.51. $118 for an exam charge was not covered, but $2,777.51 was. My check arrived 7 days after Abby's surgery! If only Human Insurance was this easy and straightforward! We couldn't be more pleased with Healthy... Read More

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Wendy l

6/25/2017
I registered my 2 dogs with Healthy Paws 4 years ago and continue to be satisfied and impressed with the service and speed of Healthy Paws. Just 2 weeks ago, one of my dogs Brobee experienced bloat also known as GDV. Emergency surgery was required and the operation would not be scheduled until payment was made. Healthy Paws confirmed coverage and made a direct payment to the Animal Hospital. With 90% coverage, I only had to cover approx $600 of this $6000 procedure. Other pet owners at the hospital without Healthy Paws had to pay in full and wait weeks for reimbursement from their insurance provider. I raved about Healthy Paws and hope some of them are able to switch. I tell all my friends... Read More

Lani

6/24/2017
My German Shepherd, Carly, was diognosed with cancer in March of 2016. Healthy Paws has afforded me access to the most experienced specialists available. It's been a long difficult road. But after 15 months I see glimpses of her former happy go lucky self. I cold never express how grateful I am for the support Healthy Paws has provided.

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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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