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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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Christine M

5/2/2017
We are thrilled with our Healthy Paws experience! They have been prompt, caring and compassionate! We chose them because they didn't have annual or lifetime caps, but they have exceeded our expectations in other ways as well - even follow-up emails after surgery to see how our dog was feeling! We really felt like they were a partner in our time of need!

M
Michelle

5/2/2017
Healthy Paws is a great company. Our dog tore her cruciate ligament and had to have surgery. Healthy Paws quickly reviewed and approved our claim. We highly recommend this company if you have pets!

H
HS

5/2/2017
I have done a good amount of research before selecting Healthy Paws. After 5 years of having my two dogs on it, I am thrilled to have made the choice. In fact, whenever I have an opportunity to do so, I recommend Healthy Paws wholeheartedly. The company is professional AND personal - a hard combination in business. I am a forever customer.

D
duana w

5/2/2017
When I signed up for coverage for our two dogs through Healthy Paws Pet Insurance, I understood that well checks were not covered. However, it was not made clear to me that other vet examinations--including those made for emergencies--were also not covered. My dog was attacked last week and his face was torn; Healthy Paws refused to cover his examination even though it was an emergency and not a well-check. I had the firm impression from discussions and online content when we got this policy that 90% of ALL costs would be covered, except for routine well-care. Failing to cover these emergency charges is unacceptable even if it is in the policy, because that's a ridiculous policy. I don't... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Duana - We do our best to be transparent throughout our website, during the enrollment process and in the policy documents available to each client in their online Healthy Paws account regarding the limited exclusions of our policy. Those exclusions are pre-existing conditions, preventative/routine care and the office visit fee. Anyone visiting our website can see this information on our “Benefits, Coverage and Exclusions” page. By making the office visit fee (vet exam, emergency exam, recheck or consultation) part of the pet parent's financial responsibility, it allows us to offer a complete accident and illness plan at an affordable monthly premium. Our policyholders value comprehensive accident/illness coverage and unlimited benefits at reasonable rates, which is why they choose to assume the responsibility of paying for those costs. We were able to cover the other items in your claim based on the deductible and reimbursement level you chose at enrollment. We’re so sorry you dog was attacked and hope he is beginning to feel better!
N
Natalia

5/1/2017
I highly recommend Healthy Paws to pet owners because having insurance is part of being a responsible and caring owner. In my experience Healthy Paws provides an outstanding service! Our claim was processed intermediately and they followed up on my pet's recovery and status. Great customer services, easy to process claims, make payments, etc. online or even through a phone app.Thankful to have Healthy Paws.

B
Brian

5/1/2017
Excellent customer service. Timely responses to inquiries. Extremely fast and hassle free reimbursement. Highly recommend Healthy Paws!

K
Kassi

5/1/2017
Healthy Paws is an amazing company. My dog suddenly became ill and I had to rush her to the ER. She was there overnight and had multiple procedures done. The cost was pretty substantial. I knew I didn't have to worry because Healthy Paws would cover it. I was able to focus on my dog and knowing she can get the best care possible.

G
Glenda W

5/1/2017
To any and all parents of any breed of pet. Hear what I'm telling you. Healthy Paws has saved our beautiful German Shepard mix from being put down before the age of 2. She is a rescue dog and the most beautiful spirit lives in this dog. She has had multiple leg surgeries and there is no way without this insurance that she would be living today. Healthy Paws has been there for her and our family as she continues to recuperate. As our beautiful Versace shows us unconditional love. Healthy Paws shows unconditional love and care for all pets covered under their care. I thank you for all of your care and concern over Versace. I highly recommend Healthy Paws to any and all pet owners.

D
David P

5/1/2017
I usually don't bother with giving ratings/reviews but Healthy Paws deserves a 5 star rating. We have a policy that has a $100 yearly deductible with 90% coverage. Our 5 yr old Bernese Mountain dog, Cadette, was diagnosed with bone cancer on April 11th 2017. We took her to an emergency vet hospital with an Oncologist on April 18th 2017, they recommended that Cadette have her hind leg amputated, so they kept Cadette overnight and performed the surgery on April 19th and kept her until April 21st 2017. I submitted the receipts, thru the Healthy Paws app, on April 25th and received the reimbursement check for 90% of the vet bill on May 1st 2017. The app makes submitting vet bills so easy, all... Read More

G
Gerianne D

5/1/2017
Healthy Paws Pet Insurance is AWESOME!!! I have never had pet insurance before, and thankfully I signed my Border Collie "Rayna" up as a puppy. I chose the $250 deductible and 90% claim payment. Rayna tore her cruciate at 10 months old and had TPLO surgery on 12/30/16. Sadly, Rayna was one of the very few dogs where TPLO just did not work, and last week the surgeon took out the plate, scoped her joint, and did the traditional repair. Healthy Paws has *promptly* paid every claim. The claim process is SO easy, you take a picture of your vet bill, then from the Healthy Paws app on my phone I hit "new claim", "attach picture" and "submit claim." A week or two later a check arrives in my... 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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