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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.
 
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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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Cindy G

2/24/2017
I have had this insurance for several years on three pets My golden retriever has had a root canal and just recently a mass removed from his eye lid that was found to be cancerous They covered what they promise, pay quick and are excellent to deal with

S
Sharon F

2/23/2017
I highly recommend Healthy Paws. I heard a lot of bad things about pet insurance (not specifically about Healthy Paws, but just about pet insurance in general), but Healthy Paws exceeded my expectations. We signed my puppy up after he ate something that sent us to the ER and left us with a hefty bill. When my puppy got a little older and started having a lot of stomach problems, we had to pay for a slew of tests to figure out what was going on. The bills were quite expensive and I was worried Healthy Paws would give me a hard time, but it could not have been easier. I submitted our claims online and was reimbursed what I was owed very quickly, without any problems whatsoever. It made a... Read More

Adriana W

2/22/2017
I chose Healthy Paws after hearing many good things about this company, and hands down it has been the best decision I have made for my dog and for my peace of mind. I cannot say enough about Healthy Paws. They have been always so easy to deal with; they process my claims super fast, and they have that human touch I appreciate so much. My dog got very sick and they emailed to check on him, who does that? My dog is part of my family, and having the assurance that if anything happens to him Healthy Paws will be there to make things much easier, it is just priceless. Thank you so much.

B
Beth J

2/22/2017
I always maintain that my best decision in life was getting my loving bullmastiff, Semi (pronounced Simmee). When you adopt a bullmastiff, it goes with the territory that major issues like torn CCLs, back problems, and hip dysplasia are all, most likely, in your future. But I still did not make the decision to get insurance, thinking the monthly fee would not be worth it. Fast forward a year and half of ownership and one $500 vet bill later, I decided pet insurance was the way to go. The second best decision in life was choosing Healthy Paws as my pet insurance, because sure enough, a month after my waiting period ended, Semi jumped off the bed and tore her CCL. Due to a... Read More

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Amy

2/21/2017
I signed up for Healthy Paws pet insurance last summer when I adopted a puppy from my local Humane Society. I've had many dogs in my lifetime, but had never purchased pet insurance. I guess I always figured that the investment wouldn't ever really come back to me and that it might be a huge hassle needing to deal with claims, and the like. However, the last dog I had ended up costing me thousands after some unfortunate run-ins with wildlife, and his injuries continued to plague him (and us financially) until he passed several years and tens of thousands of dollars later. So, when we got our newest addition, we knew that we wanted to try out an insurance program. Of course, within the... Read More

E
Evan J

2/21/2017
Healthy Paws works just like it should. There's no surprises or back and forth on getting expense covered and paid quickly. They cover exactly what they say the will. I am so pleased with Healthy Paws. They truly allow an owner to focus solely on getting the best care for his/her pet.

Jorge D

2/21/2017
Healty Paws processed our claim very fast, the mobile app helped us reducing the paperwork. We focused only on helping Miah on her recovery.

Deborah W

2/21/2017
Most people probably consider pet insurance to be a luxury item. But honestly, HealthyPaws has been an absolute lifesaver, and we will never be without insurance again! Insurance for both our dogs paid for itself in the first year. And honestly, the monthly premium is so worth having the peace of mind to know that if either of our fur babies get seriously sick or hurt, we don't need to choose between paying our mortgage and paying for their medical care. We've had HealthyPaws insurance for a few years now. After our lhasa got attacked by another dog, resulting in a $600 vet bill, and then had to have eye surgery, costing well over $1k, we figured that insurance was the way to go. And... Read More

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Chris

2/21/2017
Healthy Paws has been fantastic. Everything that is not preventative is covered. We recently had to take our lab for a root canal to save his tooth. The whole procedure was covered.

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Elric B

2/21/2017
It's impossible for me to explain how much I recommend anyone with a dog or cat to have a Healthy Paws insurance plan on their pet. I was told by friends when I first signed up that it was a scam and I might as well save the money. My premium was about $30/month and they said I'd be better off just saving the money. A year into owning our rescue dog, Cody, he became lethargic and didn't want to eat. He started struggling to breath. As diagnosis after diagnosis was ruled out, the bills started rolling in. Healthy Paws never missed a beat, sending us the checks for their portion within days after receiving each claim. We are still trying to figure out what is wrong with Cody, but have... Read More

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  • 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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