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Healthy Paws Pet Insurance Review

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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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Brooke H

10/18/2021
Healthy Paws has been nothing but a godsend for helping keep my family healthy and happy! Our fur babies have had a few incidents where we've either needed a Blue Pearl Visit or unfortunately a surgery or (three in our unfortunate case!) Because of Healthy paws, I'm able to make sure my family is always well taken care of and I'm not forced to choose between the care they need and some other important necessity like food or shelter. If you have a fur baby you should never go a day with out this protection. Thank you Healthy Paws! You've found a customer for life. All of our fur babes, now and in the future will have your protection. Thank you again!

J
Jennifer

10/15/2021
Great experience. Easy claim process and they even reached out to ask how my pup was doing after major knee surgery.

D
Donna P

10/13/2021
We have been with Healthy Paws for… We have been with Healthy Paws for close to 8 years, it was maybe a little more expensive than some of the other options but we are more than satisfied with the service we have received. Filing a claim is so easy and response time has never been more than a day or two. The annual deductible is very reasonable compared to others and I really appreciate the option of 90% reimbursement level. I haven't ever had to consider a compromise when thinking about Benny's (our dog) healthcare and for that I am very grateful. Especially as he has some pretty significant surgery recently!

H
Heather

10/13/2021
My experience with Healthy Paws has been excellent. Unfortunately, we have needed to use the policy a couple times and HP has always came through for us! Our girl suffered from IVDD and with a successful operation and HP coverage it made all the difference to what could have been a much different ending! It is such a relief to know that it is there if and when you need to get the best care for your furbabies. Talk about a huge relief! They are timely, courteous, and always had a great experience with covering our babies. Thank you Healthy Paws!

ellobolives

10/12/2021
Healthy Paws quick filing of my claims save 8 of my cats 9 lives easily

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
ellobolives - Glad to help your kitty bank more of his lives:) Give your baby a hug from us.
sagit1313

10/12/2021
Healthy Paws offers amazing service! We had to have surgery on our Newfoundland, Simon, who tore his ACL. The Drs & hospital staff were amazing & paired up with Healthy Paws...we were in great hands! We filed our claim through the website. The process was super simple & the claim was processed right away. We highly recommend them!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
sagit1313 - We're sorry that Simon had to have that major leg surgery. We appreciate the kind words about our claims submission process and quick reimbursement. Happy to play a part in making sure Simon has access to the best available medical care. Give him a big hug from us.
duan393515

10/12/2021
Highly recommend Healthy Paws! I got the recommendation from some friends and decided to get the insurance for my new family member. The smooth communication and strong support from the team made me feel very confident and impressive about the team after I filed the claim. Also the info and website is very detailed, clear and user-friendly for new users like me.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
duan393515 - We appreciate all of your kind words regarding our customer care team and user friendly website/phone app. Thanks for the recommendation and we hope your baby is feeling better.
S
Sara B

10/12/2021
So grateful for Healthy Paws. The claims department is quick and attentive, I waited less than a week for my reimbursement. I don't know what we would have done without pet insurance; I am grateful that we didn't have to weigh our dogs health against our finances. I could not recommend healthy paws more!

ritajoneshomes777

10/8/2021
For years, we have carried insurance with Healthy Paws for all of our Field Trial dogs . . . It's a comfort knowing they are there if we need them. Always friendly, accommodating and strive to process reimbursements in a timely manner.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
ritajones - We truly appreciate you being a long time part of the Healthy Paws family. Happy to play a part in making sure your babies have access to the best available medical care. Give your pups hugs from us.
scollins7201

10/8/2021
Healthy Paws Pet Insurance reimbursed claims quickly when our dog required many X rays and prescription treatments for a recurring bronchial issue. It is easy to enroll and submitting a claim just takes a minute.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
scollins - We're sorry that your baby has to deal with that bronchial issue. Thanks for the kind words regarding our easy claims submission process and quick reimbursements. Give your baby a hug from us.
Top Rated
Our Partner
  • 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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