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Healthy Paws Pet Insurance Review

3,281 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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3281 Customer Comments & Reviews

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Lynn

1/14/2017
I have been using healthy paws pet insurance for 9 years now for my little yorkie. She had 2 knee surgeries over the last two years. It would have cost me thousands of dollars. They paid almost the whole bill. I was so pleased with them I would highly recommend them for your pets!

D
Debbie F

1/14/2017
I am very pleased with the manner is which Healthy Paws Pet Insurance has handled my claims. I have had a few health issues with my dog Stevie. I submitted my claims and within a week they were reviewed and I received reimbursement. I have recommended Healthy Paws to friends and will continue to do so in the future. They stand by their word and are very caring and compassionate about what you and your pet have gone through. A great company

A
Abby M

1/14/2017
I honestly don't even have the right words for how amazing this company has been for me and my dog, Karl. Karl had an issue with vomiting constantly and no one could figure out what was going wrong and $2,000 later found out he has a serious infection in his stomach. Healthy Paws sent us a check within a week of th doctor filing the claim and it just helped us immensely not to have to worry. They even sent an email to see how Karl was feeling. This is a very caring and honest company and I actually refer friends and family to them all the time. They are the best!

D
Derek j

1/13/2017
normally don't take the time to give feedback, but in this case, I needed to reach out and say thank you. If it wasn't for your service, the quality of life for both myself and Sampson would be null. I am forever grateful for the coverage that you have offered, along with the prompt and at times unexpectedly overwhelming turn around that you have given me. Sampson is doing much better and had it not been for your company, there is no way I would have been capable of keeping him in good health. Which coincidentally is a direct reflection of my personal health and well being. I can't send enough gratitude, but I hope that this is a start.

Maria O

1/13/2017
We have a 10 month old puppy who was diagnosed with juvenile cataracts, a genetic disease (many other pet insurance companies won't cover). Surgery on one eye was $5,000 and she'll have to have eye drops for the rest of her life. Her other eye is also under observation. Healthy Paws provided amazing customer service before and after claims, they even followed up to check on how everything was going. Reimbursement checks came within 2 weeks. Claims take less than 10 sec to submit - snap a photo of receipt with app and you're done! I have referred many friends already and highly recommend Healthy Paws. One of the best $34/month we spend!

S
Sheila V

1/13/2017
We have had the pet insurance through Healthy Paws for almost 2 years now. And with a young healthy dog, you think...oh nothing will happen. But unfortunately we had 2 instances in the last year that made us thankful for the coverage. One our dog was attacked and required immediate care and then the major item was the tear of her ACL (aka TPLO procedure). It was almost a $5k procedure but Healthy Paws called in with a credit card to our provider for the balance that was covered. We were only out our deductible and coinsurance that we has agreed to on our policy. The staff has been very helpful anytime that I have called and always a quick return call or email. Thanks Healthy Paws.

A
Adam J

1/13/2017
I genuinely couldn't be happier with Healthy Paws Insurance. The price is competitive, and my first request for a reimbursement went through without any problem. The process is simple (entirely online, no claim forms), and the response is rapid.

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Pamela B

1/12/2017
This company clearly misleads when stating the "exclusions." After collecting two years of premiums they failed to reimburse one cent (above the $250 deductible) when my dog was injured and required emergency surgery on New Year's Eve. They claimed the exam fee ($50) was actually $110--no explanation. And the subsequent trip to the vet to see if infection had occurred was also nothing but an exam--and though part of the same claim and same accident, was not covered and occurred in the subsequent year. Rubbish. I plan on reporting them to our state's Attorney General.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Pamela - We are sorry that Baby was so ill over the holidays and hope she is doing better. In regards to your claim, it was covered by your policy according to the annual deductible and reimbursement level you chose at enrollment. As with any policy that includes an annual deductible, the deductible has to be met before any reimbursements are made. In your case, there were exam fees in your claims that are excluded by your policy. We make every effort 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 (veterinary exam fee). Anyone visiting our website can see this information on our “Benefits, Coverage and Exclusions” page. By making the office visit (vet exam, emergency exam fee, specialty 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.
A
Annette B

1/11/2017
Healthy Paws have been absolutely amazing in their support of the health issues of our beloved furbaby. Not only is their turnaround super fast, they are also quick to respond to questions via email and on the phone. Our baby had major issues that suddenly came on requiring an MRI and other costly diagnostics, and they covered almost everything. The only thing not covered are the office/exam/consultation fees. The half a star off full score is not for excluding normal office visit fees but rather for excluding consultation fees during hospitalization since at this point in time we as puppy parents dont even get asked by the doctors if we are ok to have another specialist look at our... Read More

C
Cait.Hoffmann

1/11/2017
Healthy Paws made it very easy for me when it came time to submit my first claim. Their customer service representatives were always available to chat over the phone, and each step of the way was so simple (especially with their great Android app!). When it came time to be reimbursed, all I had to do was snap photos of the invoice, submit them through the Android app, and a few days later I was notified a check was on its way. I highly recommend using Healthy Paws for your pet. Without it, I would be facing approximately $8,000. in surgery bills for my dog. Instead, I'm only going to be paying about $1,000. Well worth it!

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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