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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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Lorraine

1/10/2017
I have been a Healthy Paws customer for several years. I adopted another dog and added her to our plan in early December. I admit, I was shopping around, but in the end, I stayed with Healthy Paws because it seemed like the best policy for our 2 Havanese dogs. Well, I certainly chose well. Only weeks after adding our Pippa, I noticed she had some red in her right eye. I only noticed it because my husband went to pet her and she gave him the "whale eye". Thinking she had scratched her eye, I watched it for a day or two, but it just kept nagging at me. So, off to the vet, crazy dog momma. I expected the vet to say she had a scratch, or even pink eye, but no, instead I hear "very... Read More

J
John

1/10/2017
The Healthy Paws claims process was simple and swift. The process was straightforward and we were able to track the status of the claim using the iPhone app.We received our reimbursement check around one week from submitting the claim. 5/5 stars!

M
Mary A

1/10/2017
I only had Healthy Paws Pet Insurance for 2 months when my 3 year old dog, Sparty, became critically ill a few days before New Years Eve. My veterinarian ran numerous blood tests and x rays and couldn't figure out what was wrong with Sparty so I was sent to a specialist ER clinic where they immediately hospitalized Sparty and began running more blood tests, x-rays and an ultra sound. After 3 days, an obstruction was ruled out and it was determined Sparty was suffering from gastritis and possibel pancreatitis caused by a "gourmet" treat he was given for Christmas. I took a picture of the bills (which seemed enormous to me) and submitted them through the Healthy Paws App. I recieved e... Read More

L
Leila T

1/9/2017
This is the most caring, efficient, incredible organization! I have been insuring my 2 dogs for 2.5 years. I reluctantly got pet insurance when they turned 6 years old, to be able to help them with age related issues. After investigating several companies, a friend strongly recommended Healthy Paws. Both dogs have had unexpected and complicated surgeries. Healthy Paws helped me throughout the process! They even contacted me to check on how the dog was healing. They paid their part of the bill immediately - I was reimbursed within days! Oh, if only human insurance was as kind and as helpful! Thank you Healthy Paws! I tell everyone who has a dog about you! Like many pet owners, my... Read More

E
Eileen K

1/9/2017
I was totally surprised as to the professionalism and the speedy process for my claim. I never had insurance for my pet before but after many thousand of dollars for my beloved Mr.Gizmo, who didn't make it through a tragic ordeal, I decided to look in to the different policies offered for pets. My new baby- Trooper was just a pup when I signed up, he was in great health! Healthy Paws was the most reasonable priced and seemed to provide the best coverage. I never thought I would need them so quick, but I did! They paid the claim just as advertised and I receive my check very quickly. It was almost $1,300.00 from Healthy Paws and it paid just as it said it would!! I recommend them to evry... Read More

J
Jeannine

1/9/2017
My greyhound became critically ill very quickly after ingesting a foreign body. She required expensive emergency surgery to remove the foreign body. Knowing that I had insurance through Healthy Paws, I did not hesitate to go forward with the surgery. Without the surgery, my dog would have died. The day after the surgery, while my dog was still in ICU, I contacted Healthy Paws and advised them of the situation. They began immediately obtaining the necessary records from the veterinarians. I easily uploaded the final invoices into the Healthy Paws app and was promptly reimbursed under the terms of my policy,within 7-10 business days. The reimbursement process was very easy and I am thankful... Read More

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Ivan A

1/9/2017
I am relatively new to Healthy Paws, since October last year (2016), and I was skeptical about the coverage since I had had many bad experiences with other pet insurance companies. This last January 1st my dog fell very ill with a gastrointestinal infection that dehydrated her and had to be rushed to the hospital and stayed there overnight. For it being a holiday and also an emergency the bill was substantially high and with my dog being sick the last thing I needed was to worry about the insurance not covering the treatment. But as soon as I sent the invoice and the medical history (since it was my very first claim) the people at Healthy Paws were absolutely great. They helped me... Read More

A
Anthony

1/8/2017
Healthypaws has been amazing in every way when it comes to pet insurance. I am hoping someday healthcare insurance for people becomes this good. I have experienced two major events with my cats including a broken leg with lots of related complications and expenses, and an emergency visit with my 2nd cat for dehydration. Both claims were paid out quickly and consistent with the agreement with only 10% copay. This has been an absolute life saver financially since one of the events was nearly $10,000. Not only that, they have always followed up with us to see how our cats are doing showing their true compassion and commitment to the customer. I recommend Healthypaws to anyone who has a... Read More

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Marilyn

1/7/2017
I was looking for a link on your site called "sing our praises" because I cannot say enough good things about Healthy Paws Pet Insurance! My two dogs have been with you for years (collectively about 9 years) and I cannot think of one negative comment I could make. I have referred you so many times I cannot count. I've also explained to many pet owners the differences between you and others, such as "actual" and "usual and customary" payments. You would be very surprised how many people don't understand the difference. Also how many other companies have an annual and/or lifetime cap. My Charlie "almost" needed ACL surgery but my wonderful surgeon suggested to try PT first. After almost 30... Read More

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Hannah W

1/7/2017
Excellent! We were so glad to have pet insurance when our dog required a $5,000 knee surgery. HealthyPaws made the claim process easy and streamlined. Reimbursed 90% of the cost. They even followed up with us to see how he was recovering and the insurance also covers physical therapy.

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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