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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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AC

2/13/2017
After having a new born and getting laid off, money was very tight. But the safety net that is Health Paws caught it. Our 3 year old cat got suddenly ill and the treatment was expensive. Without Health Paws my wife and daughter would have lost their best fur-friend. The app is super intuitive and easy to use. Just snap a picture or two of the bill and upload in the app. That's it, the two weeks later our reimbursement check arrived. Everything is very clear and it is easy to figure out what you will have to pay and what they cover. I will always keep health paws on any pets we'll have.

K
kmairey

2/12/2017
I am very pleased with my choice of Healthy Paws as my dog's insurance provider. At the time I researched I found their rates to be competitive with other providers. I specifically needed a provider that covered the possibility of an ACL injury, as my Labrador is very active and a friend's dog had just suffered an ACL tear. Healthy Paws required a waiting period before they would cover an ACL injury, which was fine with me. But an ACL isn't what got us. Tito was stricken with discospondylitis, an excruciating, infectious condition of one or more spinal discs that spreads into the adjacent vertebrae causing pain and possible permanent disability. Treatment costs would have been easily... Read More

S
Susan

2/10/2017
Healthy Paws has provided insurance for my Maltipoo for several years. During that time, my Bella has torn two ACLs and had a gall bladder attack. Healthy Paws provided prompt and straight forward reimbursement on all claims. A friend recommended Healthy Paws and I'll be forever thankful. Being a CPA close to retirement, I decided to take out insurance so I wouldn't worry with costs once retired. I definitely recommend Healthy Paws.

S
Stephen B

2/10/2017
Throughout this ordeal of my Sugar going through open heart surgery and her recovery, Healthy Paws has been nothing short of incredible with their support and constant checking in on Sugar's recovery!!!!!!!!!!!!!!!!!!

Julia L

2/9/2017
I have had a great experience with Healthy Paws Pet Insurance. I adopted a rescue, Noel, who is a dachshund/beagle mix. Because dachshunds can be prone to back and teeth issues, I decided to get insurance for her. Even though she has, thankfully, not had any back or teeth issues, so does occasionally suffer from G.I. upset and recently had a small mammary mass removed. Healthy Paws makes it very easy to submit claims and the checks come right on schedule, each time. Any time I've called, a live representative has helped me successfully navigate the issue. Their customer service people are incredibly responsive, articulate, informed about the service and caring about the pet involved.

J
Jim B

2/9/2017
While reluctant to do so, I purchased pet insurance based on the urging of my Niece who is a strong advocate. Having had experience with other pet insurance companies, she gave HealthyPaws a very good recommendation based on her experience with them. I am so pleased to give them a Five Star recommendation based on my experience. For example, our 1 year old Goldendoodle was hit in the hip by a large dog at the local dog park which resulted in a fractured femoral head. Consequently, it was necessary to perform a surgical Femoral Head Ostectomy (FHO) which is quite expensive. I filed the claim on the 25th of the month and received my reimbursement in less than 10 days. I consider that... Read More

T
Tal K

2/9/2017
We are SO happy with Healthy Paws Pet Insurance. We've had to submit several claims for our pup, Winnie, who had surgery recently. Healthy Paws has processed claims promptly, reimbursed us, and even sent follow-up emails to check on our pets. We're very grateful that we got pet insurance, and even more grateful that we chose Healthy Paws. Five Stars!!

N
Nicole H

2/8/2017
We have had Healthy Paws insurance on our dog for 2 1/2 years and now we have a second policy on our puppy. The coverage is excellent, the claims are easy to submit and the reimbursement checks arrive quickly. Our two year old dog was recently injured and required neck surgery on her spine. We were so thankful for our insurance as it covered all of our expenses minus the standard doctor consult fees. We hated seeing our dog injured but having Healthy Paws pet insurance was a huge relief.

J
Julie M

2/7/2017
Our dog, Spargel, has been insured for the last 2 years with Healthy Paws and we've never been disappointed by their sterling customer service and ease in submitting claims. Spargel was recently diagnosed with Diabetes and then severe cataracts and blindness as a result of the disease. All this was efficiently handled by Healthy Paws and let us get on with the important business of caring for our family friend and not worrying about 'how much it all was going to cost'. I can wholeheartedly recommend Healthy Paws as insurance for your pet's well being. The low monthly cost is nothing in comparison to just one incident and you will thank your lucky stars over and over that you made this... Read More

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tanja

2/7/2017
Hi Tim, He's doing much better, thank you! We only hope he learned his lesson with trying to challenge a buck, (but probably not). We just wanted to say, and you're welcome to use this on your site, we have always appreciated Healthy Paws' birthday, health, and well being wishes. Not to mention, the prompt feedback/answers when it comes to coverage and filing claims. You and your team have made everything very convenient and reliable, and it's appreciated. We only wish our personal health insurance worked as well as yours! Thank you, Tanja Feldmeier. A very happy and appreciative customer! On Sun, Feb 5, 2017 at 4:15 PM, Healthy Paws Client Services <... Read More

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  • No Enrollment or Administrative Fees
  • No Maximum Annual or Lifetime Payouts
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