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Healthy Paws Pet Insurance Review

3,291 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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3291 Customer Comments & Reviews

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Eran G

6/27/2016
Promises and delivers. Submitting claims is easy via an app, claims are processed quickly, and there are hardly ever surprises in terms of coverage. Our pup went through 2 knee surgeries and we were reimbursed nearly 90%. Not only that, a representative reached out to us personally to inquire about her progress. How nice is that?

T
Tony P

6/24/2016
very happy with Healthy Paws....they have covered our dog Lou's various illnesses and surgery. The process is painless and the reimbursement payments come in a timely manner. We are very satisfied with Healthy Paws!

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Kathryn M

6/21/2016
Vinnie cracked his upper rear molar, and the root pulp was exposed. His vet referred us to a veterinary dentist who recommended a root canal with filling. The estimate was nearly $2,000. Ouch! Vinnie's Healthy Pets policy paid their share (90% minus our $500 annual deductible) within several days of submitting our claim electronically. It was so quick and easy! I recommend Healthy Pets health insurance to all of my friends. We will never be without it. It is so reassuring to know that IF Vinnie gets hurt or sick we will be able to afford his care. And on a fixed income that means the world to us!

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Cathy

6/20/2016
I did my research when looking for pet insurance. Healthy Paws was number one. And after my boxer / Mastiff needed a $4,300 knee surgery, I received a re-embursement check in the mail 2 weeks after my dogs surgery. I couldn't be more satisfied with this insurance and highly recommend them!

Michael

6/20/2016
Please note I have posted the following on other review sites. June, 2015 I insured my pit bull, Scratch ,with Healthy Paws (HP) for 90% reimbursement, less $250.00 deductible. Last December, 2015 Scratch ripped her cruciate ligament. She required surgery and physical therapy. Healthy Paws delivered: On average I receive reimbursement (by snail mail) within 10 days after claim approval. Oh man, HP makes it so easy to submit claims! Immediately after receiving statement of services and associated costs, I usually submit claims at provider's premises. HP promptly sends notification upon claim approval (or if they require additional information), Their customer support is just... Read More

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Monica R

6/17/2016
If it weren't for Healthy Paws, I don't know what I would have done. My dog was recently diagnosed with a mass cell tumor and needed surgery immediately to remove it. Because of Healthy Paws, I never felt like I didn't have the option to give her the best care possible. Their service is invaluable. I'm so happy I found them.

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Crystal K

6/16/2016
Both of my chocolate labs have been covered by Healthy Paws for the last two years. Healthy Paws has made it possible for us to be able to get our pups life-saving care without the fear of not being able to afford the cost. Their fast claims processing and reimbursement has also been better than any other pet insurance company I have used in the past. Finally, I really appreciate members of the Healthy Paws team sending me a personalized email checking up on my pups after a surgery or other major procedure had occurred. Their dedication to their clients, their fast and efficient service, and the various protection plans offered really make Healthy Paws an excellent option for your pet... Read More

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Jaclyn G

6/15/2016
I am not someone who typically writes reviews; but, Healthy Paws is such an amazing company that I want to shout it from the rooftops! I rescued a kitten, Murphy, last summer, and knew that veterinary care was part of being a responsible pet owner. As a graduate student, my income in very limited. Thus, I started researching pet insurance companies almost immediately. After thorough research, I settled on Healthy Paws because: (1) Premiums cannot be raised based on how many claims you submit, (2) There is no lifetime limit on coverage (this is especially important given the lifespan of cats), (3) You can visit ANY veterinarian you want (including specialists) and be reimbursed based on... Read More

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IRichard N

6/14/2016
Healthy Paws Insurance is a 5 star plan. The rating system above would not let me indicate such. Healthy Paws response time is unbelievable. No sooner do I make my claim but I get an email acknowledging such. A day later or less I get a notice that my claim has been processed and completed. At that point I can see how much my check will be. Since I know the particulars of my policy, it never differs from my estimate. I have a $100 ANNUAL DEDUCTIBLE with a 90% co-insurance plan. It is reasonably priced compared to other programs including ones offered by my veterinarian. My vet actually now sends in my claim directly from their office to speed up the process. However, I can make... Read More

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Rick A

6/13/2016
Healthy Paws was one of the best decisions my wife and I made when we got our new pup almost 2 years ago. Recently, he started having an upset tummy that quickly turned to vomiting anything he ate and diarrhea that looked like something out of a horror movie. This led us to the emergency vet at 2AM requiring hospitalization and monitoring for over a day. In the end he made a complete recovery, the vet said we made the right call, and Healthy Paws took immediate care of us. Once I submitted the claim, they processed in just a few days and had a check to us that covered most of the costs in about a week. On top of that, their client services team even did a personal outreach to make... Read More

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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