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Healthy Paws Pet Insurance Review

3,335 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 Do We Rate Healthy Paws?

Breakdown

4.5/5
Coverage
4.0/5
Cost
4.0/5
Extras

Our 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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3335 Customer Comments & Reviews

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M
Mike

10/5/2016
Bar none, the absolute best pet insurance out there. Their customer service was top notch and second to none. They were very helpful in answering all of my questions when time came to submit my first claim, and showed great compassion and concern towards my pet, and the health and recovery of Samantha(my chihuahua). They even followed up once treatment was done, to check on my pet and see how she was doing, which meant the world to me and my wife. I'm truly thankful I decided to go with Healthy Paws, over the other competitors, and already referred multiple friends and family to Healthy Paws. Very happy customer!

Peter L

10/4/2016
I want to extend a very big thanks to the team at Healthy Paws for making the claims process for my dog's surgery so streamlined and responsive. It made the whole experience so much easier to bare! My pup had a swift recovery, with no complications, and is back to his usual energetic, playful self 🐶

R
Rich

10/4/2016
We have been subscribed to a Healthy Paws policy for nearly two years and have found them to be outstanding in the two instances we have had to deal with the team. While we hope to never have to use our policy, we are so glad to have an easy process and a very caring team work with. Their genuine interest in the health of our dog was appreciated. We would highly recommend Healthy Paws to anyone looking for an excellent pet insurance policy.

J
Jayme H

10/3/2016
I have used other pet insurance companies in the past, and Healthy Paws beats the competition hands down! The reimbursement process is so easy to use and they are very quick to send the reimbursement checks which I appreciate. My dog has been very sick lately, and we have been going to the vet often but having Healthy Paws insurance has helped give me peace of mind knowing that I can afford to give her the best treatment. Healthy Paws even emailed me to see how my dog was doing after she had surgery! They are truly a wonderful company and I cannot recommend them enough.

L
Linda S

10/3/2016
I'm not one to post reviews, but I must post this because Healthy Paws is the best pet insurance I've ever experienced - and they stand behind everything they say on their website. To say they are a lifesaver is an understatement. When I researched pet insurance for my french bulldog, I chose Healthy Paws because of the unlimited lifetime benefits, no restrictions on potential breed issues, and great feedback regarding customer support. First, my Frenchie has serious on-going allergy issues - covered. Last month, he ruptured a disc in his back and needed major surgery - covered. (Of course, coverage depends on your deductible and plan. But I'm taking thousands and thousands of dollars my... Read More

S
Sandra S

10/1/2016
Having dealt with Healthy Paws for several years, I can say without reservation that they are personable, reliable, and easy to deal with. I am extremely pleased with them.

C
Christina

10/1/2016
When my husband and I adopted our puppy we were told by so many people to look into pet insurance. I wasn’t convinced it was necessary but my husband was insistent that we get it. After looking into a few companies we decided on Healthy Paws. Applying for insurance was a breeze and I felt better knowing our dog was protected. After a month my puppy broke her toe in 3 places at the dog park. From the moment we submitted the first claim I was extremely satisfied. The process was so easy and convenient, you snap a picture on your phone and you’re done. You receive your refund check in a matter of days. When we submitted our first claim our vet’s office was required to send our puppy’s... Read More

J
Janine

10/1/2016
My puppy was diagnosed with a abnormally in her skull. We had to spend a lot of money with MRI and a brain surgery. We had no problem have a reimbursement from Healthy Paws, the whole process was very easy, we could scan the receipt and send it using our phone, 5 days after reviewing the case they sent us a check. I highly recommend Healthy Paws for any pet owner.

K
KHHans

9/28/2016
Don't let all those reviews that claim this is the best pet insurance company by far as they are scammers just like all the rest. My dog had a terrible allergic reaction to something and his face swelled up. We took him to the vet and of course the vet has to examine him to better understand what course of treatment he needs to have. Well they don't cover that because its considered an exam. That's just BS. It wasn't a wellness visit. For that reason alone they get a star rating. If I could do zero stars I would. They keep getting richer as the pet owners keep funding their wallets

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Ken - Healthy Paws makes 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 (vet exam, recheck or consultation). Anyone visiting our website can see this information on our “Benefits, Coverage and Exclusions” page or in the sample policy that is also on our website. By making the office visit (vet exam 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. The office visit is not covered whether you go to a general practice veterinarian, specialist, or emergency hospital. We did provide coverage for your pet’s medication and hope Hunter is feeling better.
C
C.L.

9/28/2016
Healthy Paws is such a great insurance company for my dog. After looking for insurance for many months, I have decided to give Healthy Paws a shot and I love it. They have such a great customer service!! They would check on my dog after his major surgery, send me E-mail asking how he is. They would help me contact my vet to get the claim done as soon as possible, when I was busy. Healthy Paws is not just all business but personal.

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Rated "Best Choice Overall" by Mashable

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