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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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roxanne.moster

1/19/2021
After our precious Max was given the diagnosis that he’d torn his knee ligament, we were devastated. It turned out that he needed surgery and it was extremely costly. Thank goodness, we had Healthy Paws Pet Insurance! They came through for us and it was so comforting to know that the staff cared about our situation and honored our policy. We are so grateful! Roxanne & Todd

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Roxanne - We're so sorry your boy had to have that major knee surgery and hope he is doing well in his recovery. We appreciate your kind words about customer care team and our commitment to our policy. Give your buddy a big hug from us.
N
Nate A

1/19/2021
Healthy Paws has been a great ally while raising my puppy. Whenever we have to go to the vet, Healthy Paws gives me the flexibility to never have to factor in cost during an emergency. They are accessible and provide detailed answers to questions, and are overall very supportive of pet owners. They also have a blog and other useful information they share with parents, which has been great as a first time puppy owner!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Nate - Thanks for your kind words. We're glad we can remove some of the financial strain when your baby is sick so that you can concentrate on their well-being. Give your baby a hug from us.
M
Mary L

1/16/2021
Healthy Paws really came through for me. My dachshund mix became paralyzed three times this year due to discs that herniated. He was diagnosed with intervertebral disc disease and it could happen again. Healthy Paws reimbursed me at 80% of each surgery after the $250.00 deductible. Healthy Paws coverage at least kept me from facing a financial crisis while I deal that with restoring my dog’s health. I highly recommend Healthy Paws. You never know what might happen.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Mary - We're so sorry that your dachshund had to have multiple back surgeries, but glad we could relieve some of the financial stress so you could concentrate on his recovery. Give your buddy a big hug from us.
A
Alle S

1/16/2021
Never having purchased pet insurance before when we got our puppies we decided this time around that we should get insurance... but I didnt know where to go and decided on healthy paws after an internet search reading reviews like this. I was thinking insurance would help us with hard decisions when they were older, decisions we had to make with our other dog years ago, however, our one and a half year old just needed major surgery and this being the first time ever submitting a claim for $7000 I was nervous that I had picked correctly. It turned out that Healthy Paws was amazing, they helped me through the process, had an easy web portal to submit the claim and medical records and I... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Alle - We're so sorry that your pup needed that major surgery. We appreciate your kind words about our customer service, easy to use web portal and our direct deposit option for claim reimbursements. So happy that we can play a part in making sure you baby has access to the best available medical care. Give your pup a hug from us.
T
Tammi

1/14/2021
I can't say enough about Healthy Paws. My pup has had several health issues and surgeries in her 6 years, and Healthy Paws has been there to get us through it. I honestly couldn't have done it without them. The claim process is so easy, you can snap a pic of the invoice and supporting docs, or you can scan and email. My claims are usually processed within a couple days. Any time I've had to call, I got through to someone right away and never had to wait on hold. The whole process is so fast and simple. They are overall AMAZING!! I will never have another pet without Healthy Paws insurance.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tammi - We are so happy that we can be there to help when your pup hasn't been feeling well. We appreciate your kind words about our customer service team, phone app and reimbursement process. Give your buddy a big hug from us.
Emily C

1/13/2021
I've had Healthy Paws pet insurance for both of my cats for a number of years, and I'm so glad that I do. Both cats have had various health issues that have ended up costing a significant amount of money, which was stressful. But the Healthy Paws claims process is very simple and painless, and they process payments quickly. This has allowed me to focus on my cats' health and getting them better instead of having to repeatedly check in on the claims status and try to figure out what is going on. They even have sent personal follow up emails checking on my cats. I have never wanted money to be a reason for not being able to get the best care for my pets. And with Healthy Paws, I do not... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Emily - We appreciate the time you took to write your review. We are so happy that we can play a part in making sure your kitties have access to the best available medical care. Thanks for the kind words about our customer service, claims and reimbursement process. Give your kitties hugs from us.
kerismyth1

1/11/2021
So helpful, quick with responding and processing, and receiving any payments. They even checked in on my dog after a surgery which was so nice!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kerismyth - Thanks for you kind words about our efficient claims and reimbursement process. We hope your baby is doing well in the recovery from surgery.
K
Kate

1/7/2021
I am so thankful for Healthy Paws! Our sweet rescue pup Maggie has developed some health issues necessitating a number of lab and imaging tests in addition to medication. Healthy Paws has been so easy to work with and very quick with reimbursements. They've enabled us to get our dog great care without having to be anxious about how we will pay for it. I'm so grateful we chose to go with them for our pet insurance.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kate-. Thank you for taking the time to share your story and for the kind words. It's folks like you who are helping to raise awareness about the importance of having pet insurance for our furry friends. We are so sorry your baby has had these health issues. Please give your pup a big hug from us!
S
Suzanne M

1/4/2021
I can't say enough about the care and compassion that embodies Healthy Paws. When I brought my puppy home, I hesitated at the need for pet insurance. Thankfully, I listened to a coworker who attested to the service that Healthy Paws provides. When my little fur guy was only 8 months old he exhibited some lameness in his leg. It has been a long road to get him the right diagnosis and treatment and Healthy Paws allowed me to focus on the best care without the stress of the financial burden. They have processed claims quickly - almost always within 48 hours - have followed up to check on him, and been there every step of the way. I'm so very grateful for the care and compassion they... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Suzanne-Thank you for the kind words regarding our quick claims process. We agree that having pet insurance allows pet parents to worry about what matters, the health of their pets, and not the expenses or how they are going to pay for large veterinary bills. Please give your fur baby a big hug from us!
crc.paula

1/4/2021
I have used Healthy Paws 2 X for emergency service support (2019 & 2020). Both of these medical conditions happen "Out-of-the-Blue. The first condition, vasculitsis, of his left foreleg. After seeing 2 prior vets, the 3 vet gave it a diagnosis. It was never discovered what had caused it. The second medical disease, Leptospirosis, aka, Lepto, nearly took Mugzy's life. I had never heard of this bacterial disease before. Too much to explain, herein, but I encourage all to read about this. The bacteria live in rodent-type animals' urine. This bacteria is Zoologica; meaning it passes between mammals under certain conditions. Mugzy spent 6 days and 5 nights at the ER hospital in renal failure.... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
crc.paula- We are so happy to hear that you are so pleased with Healthy Paws pet insurance coverage. Thank you so much for all the kind words regarding Healthy Paws and our straight forward, easy to understand plans. We are so sorry to hear that your fur baby was so ill recently. Hopefully, your sweet baby is feeling much better now and please give him 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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