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Healthy Paws Pet Insurance Review

3,291 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.

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
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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lisa.graichen7

2/5/2022
We've had Healthy Paws insurance for our dog, Baxter, since she was a puppy (she's now 6). She's had quite a few minor issues here and there over the years and Healthy Paws has helped cover her care. Recently, she had a blown CCL (basically the dog equivalent of an ACL) and needed x-ray, surgery, meds, etc. Having Healthy Paws made this expensive surgery feasible for us and helped reduce some of the stress of the situation! We even were able to set up direct pay between Healthy Paws and the vet, rather than having to pay the whole cost and go through reimbursement. That was incredibly helpful and it was an easy process despite a quick turnaround. They've been very responsive and even... Read More


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Larry M

2/3/2022
Healthy Paws comes though again for my Boerboel, Willow! I can't say enough of the piece of mind Healthy Paws has given me in giving my dogs the best options for and support in their various health issues through the years! Recently my Willow had some troublesome masses removed from her side. Thankfully they turned out benign! Hopefully her 10" scar becomes less noticeable in time. Healthy Paws came through in supporting 90% of her surgery and care, exactly has my plan states! They even follow up on her status in the healing process seeing how she is doing! Anyone that know me, knows that my Dogs are my kids and Healthy Paws has helped me keep them alive through some very expensive and... Read More


patricewilloughby1

1/29/2022
This is the best pet insurance - simple to understand plans, excellent customer service, the quickest and easiest claim system - application approval with in a week and reimbursement within 2-3 weeks. I have claimed twice in the last 5 years and each time I was so grateful to have this insurance to help give me peace of mind in providing good care for my cat and knowing that the insurance process would be simple and easy. I highly recommend this insurance - it is worth it.


troxlersharon

1/27/2022
I had to deal with multiple people, who basically sent the same form letters to me. Never talked to a real live person, We have two dogs. We enrolled both in two different companies to compare service. Both dogs came down with a bacterial infection over the holidays. The dog not covered by Healthy Paws had to be rushed to NC State Vet School Emergency Department during the night. Two days later, the dog covered under Healthy Paws was admitted to our local vet hospital .We filed with both companies as soon as possible, as the upfront payment was considerable for the two admissions . With the other company, I dealt with one person, who walked me thru the entire process, and emailed me... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
troxlersharon - We’re sorry that your baby wasn’t feeling well and that our customer service did not meet your expectations. We do our best to be transparent regarding our need for medical records. All claim decisions are based on your pet’s medical records and the signs/symptoms that are noted in those records. Most pet insurance companies including Healthy Paws use a pet's medical records to determine if there are any pre-existing conditions that would keep us from approving a claim. We appreciate your efforts in providing those records which allowed us to process your claim. In regards to setting up direct deposit, it is industry practice to send multiple micro-deposits to ensure communication between the financial institutions. It can take 7-10 business days for the direct deposit to be functional on an account after the process has started. Give your baby a hug from us.

kbohannon11

1/26/2022
My dog tends to go to the vet for random issues that occur, but I know that every time she does, HealthyPaws will be quick to help me out. Filing a claim is so easy and they reimburse me almost instantly. They truly care about their customers — even reach out to follow up with how my sweet girl is doing! HealthyPaws has been a life saver financially for us — I highly recommend!


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Lisa S

1/24/2022
When our little Peep-a-poo went through bladder surgery for bladder stones, Healthy Paws paid exactly how we expected. She is recovering and feeling very well these days and so thankful we had the pet insurance. We highly recommend this insurance to all pet owners. THANK YOU HEALTHY PAWS for making our experience less stressful.


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Caleb A

1/21/2022
Very prompt on service and would recommend 10/10. User friendly App and kind customer service!


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Jonathan

1/20/2022
Quite simply the "best investment" I have ever made. Our dog has needed four major surgeries. We are able to get him excellent care but it is not cheap. Healthy Paws ALWAYS lives up to their end of the bargain. Submitting claims on line is very simple even for a dinosaur like me and the claims are processed within a couple of days. The "no cap" aspect means that whatever our dog needs, provided the care is covered (and there are no secrets as to what is covered) the claims get paid. Because of Healthy Paws, we just worry about our pup getting better, not if we can afford getting him the medically necessary care he needs. I cannot recommend Healthy Paws highly enough.


anita

1/19/2022
My 8 month puppy got into a chemical or poison at a 2 week train and board facility. She was in the hospital for a week on IV's and a feeding tube. My bill was over $8,000, but thank goodness for Healthy Paws. I submitted the bill along with her medical records and within 3 days of them receiving the documents my claim was approved and I received over $6,000 in reimbursements. Not only did they pay quickly they followed up to see how she was doing. Because of Healthy Paws I didn't have to worry about the cost of her care and was able to just focus on getting her better. They are the best!


shaunalapoint

1/14/2022
When you get insurance the fine print always seems so daunting. Even after I read it I was still worried that when I needed to use it that it wouldn’t cover the cost. We had an emergency with my dog and they helped me through the claims process very easily. They even contacted my vet to get the specific forms they needed that they didn’t send originally. I got my refund very fast and I couldn’t be happier.



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