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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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Dawn

9/22/2021
I have not had a good experience with you first claim and I have gotten the run around you kept asking for more papers I gave you papers now your closing claim saying I didn’t do it fast enough and you need more paperwork there is no more paperwork to give , 2 dogs I’ve insured through .You gave me the run around I will be looking for different insurance getting ahold of the BBB it wouldn’t have been much of a claim refund that is owed to me but apparently you needed it more than me. Your 5 star rating must be set up from friends and family.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Dawn - we're sorry your pet wasn't feeling well. Unfortunately, we cannot find you in our system using the limited information in your review. We do not want to speculate as to what is still needed regarding medical records to process your claim. If you would update you review with your Healthy Paws policy number, we can have a Customer Liaison Manager look at your account and help resolve the issue. Rest assured, providing your policy number in this manner will not compromise your account since it does not include any personal identifiable information.
S
Susanne C

9/19/2021
Our six year old wheaten terrier became suddenly ill. Within 24 hours he went from running around the front yard as usual to spending a week at Red Bank veterinary Hospital. They had to run a multitude of tests to figure out what was going on with him. At one point we didn’t even know if he would make it through. I couldn’t have been more appreciative to have pet insurance with healthy paws. We were able to give our pet the care he needed and fortunately he is home now and doing great!! Healthy paws has a very easy claim process. They covered what I anticipated according to our policy. Very easy to work with. Highly recommend!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Susanne - We're sorry your Wheaten was so ill and had to spend all of that time in the hospital. Thanks for the kind words about our efficient claims process and policy coverage. Glad we can play a part in keeping your baby healthy and happy. Give your baby a big hug from us.
M
michaellewis196

9/18/2021
Healthy Paws has provided exceptional service ever sine our Standard Poodle was diagnosed with Pseudomonas aeruginosa. We have been working with Healthy Paws for over a year. Dr. Brian Reister referred us to Animal Dermatology Clinic in Portland OR. and we have submitted claims from both of these Vets. Healthy Paws has always provided prompt and caring service.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
michael - We're sorry your poodle has been ill. We appreciate your kind words regarding our customer service. Glad we can play a part in making sure your baby has access to the best available medical care. Give your buddy a big hug from us.
chico7078

9/17/2021
I joined healthy paws after I adopted a pet , He had an ear infection and after I submitted the claim i got an email saying they needed more records. Ok. I submitted them with the claim number. I got another email saying they need his records again. I called and told them i had already submitted. They looked it up and found them and they attached it to the claim. A few days later they sent another email saying they need his records. I called and told them I already dealt with this.. they wanted more that 5 years history. I have nothing except what I gave them. This is the reason I don't trust insurance companies. You have no problem taking money from my account but giving... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
chico7078 - We're sorry that your baby is dealing with an ear infection and appreciate you being a part of the Healthy Paws family. All claim decisions are based off of your pet’s medical records and the signs/symptoms that are noted in those records. Most pet insurance companies including Healthy Paws use a pet's medical records to determine if there are any pre-existing conditions which would keep us from approving a claim. Unfortunately, we cannot find you in our system using the limited information in your review. We don't want to speculate on what is missing in regards to your pet's medical records that is needed to process your claim. If you would, please update your review with your Healthy Paws policy number so that we can have one of our Customer Liaison Managers look into the issue and help get your claim processed. Rest assured, providing your policy number in this manner will not compromise your account since it does not include any personal identifiable information.
J
Janet

9/8/2021
Having good coverage is a blessing! We've carried Healthy Paws for about 4 years now on at least one dog. Now all 4 are covered. Recently, our beloved coonhound Maybellene got very sick. In the process of treating and trying to figure out what was going on, we spent almost $6000 on vet bills. After the claims were paid, which was EXTREMELY fast, we were hugely relieved to have a large portion of that back to return to savings. If you don't have pet insurance, you need it! Healthy Paws also helps shelter pets when someone uses your referral code, so how can you beat that? I will always have insurance on my babies, and they have been wonderful! They even followed up on Maybellene a... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Janet - We are very sorry to hear that Mabelene was not feeling well. Hopefully, she is doing much better now. Thank you for the kind words regarding Healthy Paws fast claims process and caring customer service. We are so happy to hear that Healthy Paws was there for you and your fur baby when you needed us the most. Please give your fur babies more hugs from us!
S
Sunie J

9/7/2021
I have been on hold for 30 minutes. My card was declined and I have a 0 Balance. Trying to apply for Dog Insurance. MUST SPEAK TO SOMEONE please Sunny

Y
Yongli G

9/1/2021
Healthy Paws was recommended by many colleagues when I got my dog as a little puppy 6 years ago, I choose HP despite another pet insurance was offered with discount price from my work. As most pet owners, I don't even think about the pet insurance much when our furkids are healthy. There were a few incidents in the past, she needed some medications or treatments for parasite like Giardia or a cracked tooth, HP has been very responsive and always explained the policy in detail for their decision. Most recently my dog was diagnosed with anal sec tumor, facing a large amount vet bill for the surgery and possible future chemotherapy, I did not hesitate or worry about the necessary treatments,... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Yongli - Thank you for all the kind words and for taking the time to post your review. We are so happy to hear that you have always been so happy with your Healthy Paws coverage. Having a sick fur baby can be very stressful and expensive. Having Healthy Paws means never having to worry about the costs of veterinary medical care. Please give your fur baby another big hug from us!
dr.lizjohnston

8/31/2021
I have had Healthy Paws pet insurance for my 2 cats and 2 dogs for the last 4 years. Sadly, one of my animals has had major health problems every year. Healthy Paws has been wonderful. It is easy to submit claims, a decision is made and payment sent within a week. The customer service is outstanding. On Friday the 13th my little dog Pretzel lost the use of her back legs due to a blown out disk in her back. The cost so far is more than $10,000 -- for ER treatment, spinal surgery and dog rehab. Healthy Paws has cheerfully paid 80% of the cost -- much more responsive and efficient than my Blue Cross people insurance!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
dr.lizjohnston - We are so sorry to hear about your fur baby's major back issues, treatment, and surgery. That must have been very stressful for everyone. We are so happy to hear you were able to give your baby the very best medical care without having to worry about the expense of it all. Thank you so much for the kind words and for taking the time to share your fur babies story. Please give all your babies more hugs from us!
ryanreed23

8/29/2021
We have been with Healthy Paws ever since adopting our dog in 2015. They have been nothing short of outstanding by providing transparent, understandable, and user friendly service. Most recently our dog needed emergency care, which required us to submit a claim. Within 48 hours the claim was processed and we received reimbursement within the week. We have referred Healthy Paws to other family members who also have had great experience with them!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
ryanreed23 - We are sorry to hear that your dog recently required emergency veterinary care. Hopefully, your fur baby is doing much better now. Thank you so much for the kind words and for taking the time to share your Healthy Paws experience. Please give your pup another big hug from us!
jtwongq

8/28/2021
I've had Healthy Paws Insurance coverage for my two dogs since 2016. I like the fact that there is no preexisting condition restrictions in their coverage. As far as I know, I don't believe they require you to go to a vet who'd within an approved network. Whenever either one of my dog is feeling after hours, I have the peace of mind to take them to an emergency care knowing that their treatment will be covered per my plan benefits. I also appreciate their quick response when I file a claim. I have been very satisfied with their service, and I hope they keep us with their great work!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
jtwongq - Thank you for the kind words regarding Healthy Paws. We are so happy to hear that you have always been happy with your pet's coverage and for the service our team offers. Please give both of your pups more big hugs 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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