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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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Kelly V

11/10/2016
I have had Healthy Paws for a couple years now. My experience so far has been exceptional communication and customer service. Each time a claim is submitted I get personalized email letting me know that it was received by my medical provider and a note asking me how my animal is doing. In October of this year, I experienced a devastating medical emergency with one of my cats. My cat Louie was shot with a pellet gun and had to have a $5,000 life saving surgery. It was a relief to hear back from Healthy Paws within one week after the clam was submitted, letting us know they were covering their 80% and a check was on it's way. A couple weeks later, received a follow-up email asking me how... Read More

Deborah S

11/9/2016
This company has been a god send, my little rescue Rosie at the age of 18 months tore her ACL's in both knees requiring extensive surgery and the cost of those surgery without complications was something I couldn't have done with Healthy Paws. Due to complications that happened during Rosie's first surgery her bill for the first leg exceeded $11,000.00 the second leg was repaired October 25th at a cost of $4500.00. Healthy Paws has stuck by us repaying 90% of all costs with the exception of exam fees. They are up front about what would be covered from the very beginning. I would suggest them in a heart beat and my recommendation would be higher then 5 stars because without them I... Read More

Mili S

11/9/2016
As new pet parents, Healthy Paws has been absolutely fantastic and seamless in helping us when our 2.5 year rescued dog fell sick and had to be hospitalized in ICU for 4 days. We were worried sick and at least did not have to worry about the financial drain, THANKS to Healthy Paws. We will be lifelong customers!

N
Noam R

11/8/2016
We couldn't be happier with our Healthy Paws policy, their level of professionalism, customer service, and their responsiveness. Our dog recently became very ill and required hospitalization for about 10 days. The costs were overwhelming, in the thousands of dollars. Within days of filing our claim we received a personal email from a Healthy Paws rep (Tim Weiss) asking us how our dog was doing and checking on her recovery. About a week after filing our claim we received our reimbursement check in the mail. We plan on recommending Healthy Paws to all of our pet owner friends and also adding a policy for our cat. We're fortunate to have been covered during such a scary (and costly)... Read More

S
Sara

11/7/2016
Healthy Paws has been amazing from day 1. After doing some research and seeing HP was rated the highest, we signed up almost immediately after adopting our pet from the shelter. Literally the day after our 2 week probationary period, we had to take our dog to the emergency room. I downloaded the HP app, made a profile for Luna and submitted the receipt, no questions asked, after our deductible, they sent us a reimbursement within a week. Our pup has has had a slew of health issues there has never been a problem! The most recent health was a torn ACL which is a major surgery. I called and asked questions, all of which were clearly answered and soon after her surgery was once again quickly... Read More

Andrew S

11/7/2016
I have had Health Paws for almost two years and have had nothing but great experiences with them. Sadly, I have had to use by insurance benefits but they have made sure it was easy and I got my reimbursement back super fast. Couldn't have picked a better plan. They even follow up with me on how Baxter was doing. Excellent all the way around!!!!!

D
dt7556

11/6/2016
Healthy Paws saved my 4 1/2 yr old English Bulldog, Thor. Thor developed a sudden head tilt four weeks ago and was misdiagnosed for ear infection. Two weeks after antibiotic and negative culture result he still had the persistent head tilt. Thor needed a MRI to rule out tumor in the inner ear or brain. MRI showed dense thickening area in his inner ear which they couldn't confirm tumor at the time. He also had mild meningitis. He needed a Total Ear Canal Ablation the next day to clean out the bulla. Biopsy sent off and unfortunate came back as cancerous. Thor had additional testing to rule out lymphoma and to see if the cancer metastasize to the adjacent lymph node which was... Read More

Cindy S

11/6/2016
I was amazed at how easy it was to file a claim - no arguing and no forms to fill out.Everyone was super nice. I got confirmation the same day that I sent in copies of the invoices and a check came in the mail a few days later - amazing service. Plus Customer Care followed up to see how my pup was doing. I am extremely pleased.

E
Erik O

11/5/2016
Healthy Paws is absolutely amazing! Thank you! I can't tell you how impressed I am with your services and how easy it was to file the claim. With the stress of the situation with my boy having to have surgery, it is so helpful that the process of filing claims is so simple and that you are so supportive in the process. My sister has her dog (Zizu's brother) insured with you and has great things to say about Healthy Paws too. Until now, I have had a very poor impression of insurance companies in general, but you have clearly differentiated yourselves from the rest! I only wish my own medical insurance could be so straight forward, transparent and easy to deal with! I will recommend... Read More

Jason H

11/5/2016
I cannot recommend Healthypaws highly enough and wish there were more stars to give. My border collie rescue was saved from the streets of Stockton by the SPCA. He's adapting to a life without scavenging, but its not been easy, and we've had several vet visits and 2 stomach surgeries. The surgeries are expensive and would have impacted my financial cushion. I'm so thankful for Healthypaws. They streamlined the claims process! I could be there for my recuperating pal, instead of racing around filling out forms, scanning –faxing – emailing them, and hoping they were received. Healthypaws responded quickly, notified me of the approvals, and quickly disbursed my reimbursement. They are... Read More

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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