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Healthy Paws Pet Insurance Review

3,338 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 Do We Rate Healthy Paws?

Breakdown

4.5/5
Coverage
4.0/5
Cost
4.0/5
Extras

Our 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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3338 Customer Comments & Reviews

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Nancy B

4/3/2017
Healthy Paws has been a blessing for our family. Our 3 year old Chiwini just went through extensive disc surgery and he is having physical therapy as part of his recovery process. Thank God for such a reliable company reimbursing us. Not only are they supporting our plight financially but they really have expressed concern for Oscar's well-being. I would recommend them to any pet owner, and I certainly will do that. Thanks again for your kindness. It is times like this when one needs such support and no hassles.

L
Lynn

4/3/2017
We just filed a claim for a surgery for our 5 years old Samoyed who ate a toy two weeks ago, the surgery went well but the cost was close to $2500. The claim process submitted online was fast and easy, I received confirmation that reimbursement check is on the way within 3 days since the claim was entered in their system. I'd definitely recommend HeathyPaws insurance to anyone have pets.

K
Kimber

4/3/2017
I've been extremely satisfied with Healthy Paws . I've had coverage since before the day I brought my pup home . I wanted to make sure he was covered the minute he arrived . They've been Spot on with coverage & I always recieve my check within about a week or so . Recently my dog had to have a tail amputation wich was accompanied by lots of medical bills . I was so relieved knowing we had Healthy Paws to take care of us financial in this stressful time . I received excellent coverage and even an email asking how my pup was recovering. Don't get caught without insurance. Healthy Paws allows me to get the best medical care for my dog without the worry of the all mighty dollar .... Read More

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Lisa

4/1/2017
Experience with healthy paws has been awesome!! Had our refund checks in one week after submitting the invoices... followed up on how my dog Karma was doing after her surgery... would highly recommend this pet insurance!

K
K A

4/1/2017
While many companies couldn't care less about customer service I can honestly say that isn't the case with Healthy Paws. I recently had a situation where our 1 yr old pup needed surgery that was going to cost $3,000. The Healthy Paws rep told me what I needed to do in order to submit the claim and eliminate any delays. I followed those instructions and within 2 weeks I had a check. It is such a pleasure to do business with people who stand behind their product and service...wouldn't it be nice if everyone did business this way? FYI - I moved two of our dogs to Healthy Paws because of a dispute with another insurance company. I would have moved all of them but two have pre-existing... Read More

S
Susan

3/31/2017
5 stars does not even come close to adequately rating how fabulous this company is. My Frenchy is 3 years old and I remember when we first got him our vet told us what a fantastic pup he was but he did state that this breed can have issues and we should consider pet insurance. So I started my research and found HealthyPaws had great reviews, rates and the site was so easy to use. My first experience having to use our policy was on the night before Thanksgiving when my sweet Gus went into respiratory distress and we had to rush him to the emergency vet. That experience was so difficult, but what made it easier was the fact that I submitted my claim and was processed and reimbursed... Read More

J
Josephine

3/30/2017
I wasn't sure if we needed or wanted pet insurance since my dogs always had healthy annual check-ups. As my dogs got older we decided we didn't want to take the risk of a possible costly age related illness. We began researching pet insurance companies. After much research we decided on Healthy Paws insurance due to their stellar reviews and how their benefits compared to other companies. I was almost certain we would not end up using the insurance, but one day, out of the blue, one our dogs went almost completely blind. It was a heart-breaking moment. We visited our vet and were referred to a neurologist. The neurologist needed to do various tests including an MRI to rule out brain... Read More

Irving M

3/30/2017
My happy yet rambunctious chihuahua/terrier puppy accidentally ate a relative's medication, and we had to rush her to the emergency room. Thankfully we had made the decision to purchase a policy with Healthy Paws when we first adopted our puppy. The ER bill came out to almost $900, but Healthy Paws processed our claim in 5 days and reimbursed us almost $700. My wife and I sleep better at night knowing that Healthy Paws is available to us. Quite frankly, we were amazed at the speed that our claim was processed (5 days). Lola is our first pet together so when we starting doing research on pet insurance , Healthy Paws was on the top of the list. We are happy that we trusted them with our... Read More

M
Mia

3/30/2017
My puppy had to have some fairly major procedures related to a digestive problem. I was a little worried because the first sign of health problems started only days after his initial waiting period had ended. The procedures cost several thousand dollars. I submitted my claim, which was easy to do. They did initially try to cancel it due to mistakenly believing he was signed up with a competing insurance but I was able to call in and get through to someone very quickly, and straighten that out. The person on the phone was very nice. HealthyPaws processed my claim very quickly, and then immediately sent me refund checks. I was very happy to have chosen HealthyPaws for my puppy's... Read More

M
melissa f

3/30/2017
Best customer service. It's easy to submit claims and they are incredibly quick to send the reimbursement checks. LOVE Healthy Paws!

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Rated "Best Choice Overall" by Mashable

  • No Maximum Annual or Lifetime Payouts
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  • Trusted by More than 625,000 Parents
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