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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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Deirdre D

6/29/2021
My dog required surgery to remove a growth towards the end of last year. Not only did Healthy Paws quickly review my claim and reimburse me, but a member of their team emailed me a few days later to check in to see how he was doing after surgery. I thought that was so incredibly nice and above and beyond anything I’ve ever experienced from my own doctor or health insurance. If you are looking for health insurance for your pet, I would highly recommend Healthy Paws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Deidre - We're sorry your baby had to have that growth removal surgery. Thanks for the kind words regarding our customer service and efficient claims/reimbursement processing. We appreciate your recommendation and hope your boy has made a complete recovery.
K
Kelly

6/26/2021
Healthy Paws is the best. I’ve had them for 6 years and no issues. They recently helped with no questions when my cat needed surgery. I’m a customer for life.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kelly - We are so happy to hear that after six years you've only had positive experiences as a Healthy Paws family member. We are sorry to hear your cat recently needed surgery and hope your fur baby is doing much better now. Thank you so much for the kind words and please give your kitty a big hug from us!
Patricia F

6/20/2021
Our Cavalier King Charles Spaniel is 3 and 1/2 years old and we got Healthy Paws insurance when she was born. It has been a great decision and we have turned to them many times. Their response time for reimbursement is amazing!! Sometimes we are approved for reimbursement for medication or tests on the same day. More involved testing such as the MRI only took 2 days. It has been a blessing to know we have Healthy Paws to ease some of the stress when our fur baby needs medical care.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Patricia - Thank you so much for taking the time to post your review, and for all the kind words regarding Healthy Paws super quick claims process. We are sorry to hear that she recently needed an MRI and hope she feels better soon. Please give her another big hug from us!
L
LP

6/18/2021
We have several dogs with Healthy Paws coverage. This coverage for accidents and illness gives me peace of mind that we can provide the best care for our dogs. It's a bonus that Healthy Paws gives back to homeless animals.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
LP - Thank you for the kind words and for trusting Healthy Paws to protect your pack of pups. We are so happy to hear that having Healthy Paws gives you peace of mind in knowing that your pups are covered from nose to tail. Please give your fur babies more hugs from us!
L
Laura

6/16/2021
My Healthy Paws insurance has be worth every penny spent. I recommend it to everyone I know. I pay $85 a month ($200 deductible, 80% coverage) for my 7 year old Yorkie and $60 a month ($200 deductible, 90% coverage) for my 2 year old yorkie. I have had a reason to use my insurance every year I’ve had it and the process to file a claim is incredibly easy and painless. I wish my own health insurance were that easy! And anyone I've ever had to interact with at healthy paws has been very kind and easy to work with. Recently my 7 year old yorkie had 2 night stay at the animal hospital after a nasty stomach issue, and I was completely devastated. But I had peace of mind knowing she was getting... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Laura - We are so sorry to hear about your fur baby's major hospitalization due to some tummy issues. It is so good to hear that you were able to get her the medical attention she needed without having to worry about the cost. Thank you so much for all the kind words regarding your amazing Healthy Paws coverage. Please give your sweet little Yorkie girl another big hug from us!
S
Suzanne

6/3/2021
So simple to submit claims and they are quick to review and reimburse your vet bills. We are very happy to have this insurance plan in place for our Golden Retriever.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Suzanne - Thank you so much for the kind words regarding our simple claims process and for taking the time to post your review. Please give your pup more hugs from us!
cassiearock

5/30/2021
I rescued a very sweet puppy and luckily signed up for healthy paws the day he came home. This is my first experience with any kind of pet insurance. When he was around 1.5 years old, I noticed some mobility issues and that he was having some pain. We did all the vet visits and he was unfortunately diagnosed with multiple issues including severe hip dysplasia and a luxating patella. He has now had 2 major surgeries (hip replacement and CCL repair/patella) and they were both covered. Both completed before he turned 4! You really never know what kind of health problems your dog may inherit. Healthy paws really makes it easy to get the care needed and it’s a painless process. I am so happy... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
cassierock - We're sorry that your boy has had to go through a hip replacement and major CCL surgery. We appreciate all of your kind words and glad we can play a part in making sure your buddy has access to the best available medical care. Give your boy a big hug from us.
M
Mariana

5/30/2021
Excellent pet insurance! Monthly cost is very reasonable. Claims are reviewed as soon as submitted and it takes only a few days to get a reimbursement. Customer service is fantastic- any question is answered immediately in a carring manner. Couldn't be happier with Healthypaws!!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Mariana - Thanks for all of your kind words regarding our plan, customer service and efficient claims/reimbursement processing. Give your baby a big hug from us.
Adriana G

5/29/2021
Very bad in responding pet owners questions and emails. I have submitted claims and questions via email and they never bother answering my emails. I also send a very long email explaining how unhappy I was with them and no one ever answered me. At this moment I am canceling with them because I just signed up with Lemonede, I hope to have a better experience. So far National Pet insurance have been wonderful to my pets since 2004, never ever fails us , a single claim, a single email reply! I always have 2 insurances for my pets in case National (my primary) is not enough, God forbid! So, this is my own experience, you may have a different wine, Good luck! Bark bark

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Adriana - We’re sorry for any delay there may have been in responding to your emails. In regards to the claims you have submitted over the years, all have been processed in accordance with your plan and the reimbursement level/deductible chosen at enrollment. We’ve received you request to cancel. We’re sorry to lose you as a policyholder and hope you and your pets stay well.
K
Kim P

5/28/2021
I can't say enough wonderful things about Healthy Paws Pet Insurance, and the way they have taken care of my dog. It was recommended by my dog trainer to get pet insurance when my German Shepherd was just a few months old. I researched and found that Healthy Paws had the best coverage and ratings for the price. At the age of 2, my GS was diagnosed with IBS. An ultrasound and lab work was necessary to make this diagnosis and Healthy Paws came through and covered 90% of these tests!!! Now my German Shepherd is almost 7 and unfortunately she tore her ACL while playing ball. Once again she needed a diagnostic work up to conclude that this was indeed the diagnosis. X-rays were taken,... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kim - Thanks for taking the time out of your day to write your review. We're glad we can continue to play a part in making sure your girl has access to the best available medical care. We appreciate the kind words regarding our customer care team - we think they're pretty awesome too! We hope your baby has an uneventful recovery from her leg surgery. Give her a big 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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