We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. Learn more
  1. Home
  2. Pet Insurance
  3. Healthy Paws Review

Healthy Paws Pet Insurance Review

3,291 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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.
 
VIEW RATES

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

Our Comments Policy  |  How to Write an Effective Comment

Leave a comment for Healthy Paws Pet Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

3291 Customer Comments & Reviews

Loading Reviews ...
Michael C

11/11/2020
I’ve had Healthy Paws for 7 years covering 2 pets and now 2 years with a 3rd (2 Bernese Mountain Dogs and 1 tabby cat). Healthy Paws has been there for all the fun we’ve had with the boys including 2 torn ACLs, 1 incident of bloat that we caught in time, an accidentally swallowed tennis ball, broken toes, muscle strains, and other shenanigans these floofs have gotten into. They’ve been there every step of the way on their recovery. Zero issues, easy to work with them, submit claims and timely coverage.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Michael -We truly appreciate all of your kind words and that you have been part of the Healthy Paws family for seven years. We're glad we have been able to play a part in making sure your all of your babies have had access to the best available medical care. Give them all a big hug from us!
stephaniebortko

11/9/2020
My 4 month old baby dog had an accident and fractured his leg. It was heartbreaking and overwhelming. I felt awful for the little guy but it was just an unlucky break. I took him to the Vet ER and they took great care of him. Each Dr or nurse I spoke to asked me if I had insurance and when I told them yes, they were relieved for me, as the costs were going to be upwards of $12k. I submitted the claim to Healthy Paws and was paid out within a week. It was as easy as attaching the invoice. Their genuine care for what was going on with my pup and knowing that many of these expenses were to be covered was a blessing.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Stephanie - We're so sorry that your baby had that leg fracture, but glad he is doing well in his recovery. We appreciate your kind words regarding our speedy claims processing. Give you buddy a big hug from us.
Donna J

11/8/2020
I could not be more pleased with Healthy Paws Insurance. I carry this insurance on both my Maltese and have never had any problems. A few times I have called them to ask questions and everyone is knowledgeable and polite. My claims have been handled in a timely manner. I have even received email inquiries as to how my pet is doing after a sick visit with the vet!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Donna - We're glad we can play a part in your babies care. Thanks for all of your kind words regarding our customer service team and efficient claims processing. Give your your two buddies hugs from us.
myklos.i.fahey

11/8/2020
I highly recommend Healthy Paws Pet Insurance to anyone who is looking for the very best insurance for their furry friends. This company is top notch and not only provides the best insurance coverage but also the absolute best service hands down. I have been using Healthy Paws since 2016 when the insurance company I had for my dog, Waylan wouldn't pay his claims after he was diagnosed with a rare platelet issue. I did some research on various insurance companies and found Healthy Paws to be the best. They not only took on all his claims going forward but paid them at 70% and didn't asked twice in regard to any other medical issues he had going forward. In July of this year Waylan passed... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Myklos - We truly appreciate the time you took to write your review. Thank you for all of your kind words regarding our claims processing and customer service. We are so happy that Julian is doing well and that we could play a part in making sure he had access to the best available medical care. Give your baby a big hug from us.
janisp1228

11/5/2020
Great pet insurance company. Quick, efficient and easy to process claims online.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
janisp1228 - Thank you for the kind words and for taking the time to post your review. Please give your fur baby a big hug from us!
Richard M

11/4/2020
Bella had several major problems this year. I was concerned about the cost but with Healthy Paws they took care of most of it. Their customer service was excellent and most claims were handled within 24 hours. They are an excellent company.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Richard - We are so sorry to hear that your sweet friend Bella has had some health issues this year and hopefully she feels better soon. Thank you for the kind words regarding Healthy Paws excellent customer service and speedy claims process. Please give Bella another big hug from us!
Caitlin B

11/3/2020
I researched multiple popular insurance providers, all recommended by my vet, spoke to representatives at each company, and decided upon Healthy Paws. There's no hidden loopholes in their policy: eg, other providers consider several illnesses/injuries within the same year as distinct and will make you pay the deductible for each issue before giving coverage. Healthy Paws has plain and simple one deductible per year. I've recommended Healthy Paws to all of my friends. They recently covered 90% of over $10,000 in unexpected vet bills. I am so grateful for their speedy reimbursement and kind customer service.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Caitlin - 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 it a big hug from us!
monroymargaret8

11/2/2020
I received very quick response with my inquiries from Healthy Paws as well as a fast refund. Heathy Paws checked in on my pet as well. Very good customer service.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
monromargaret - Thank you for the kind words regarding our excellent customer service. Please give your fur baby another big hug from us!
K
Kevin

11/2/2020
Having HealthyPaws insurance for our new puppy meant we were able to ask the vets for the best care when she recently got sick and had to go to the hospital. We knew we were covered and were able to have the doctors run all the recommended diagnostic testing required without worrying. After our puppy was discharged from the hospital, we submitted the claim and were reimbursed in less than a week via direct deposit without any fuss or hassle. Healthy Paws has already paid for itself and our sweet pup is only 5 months old (and healthy now!).

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kevin - We're sorry your girl was so ill, but glad we could play a part in making sure she had access to the best available medical care and help reduce some of the financial strain on your family. Thanks for the kind words about our efficient reimbursement process via direct deposit. Give you girl a big hug from us.
alandskowsky

10/31/2020
Healthy paws is great. My dog needed surgery. Paperless process. Easy to submit claims and get reimbursed. Health make a stressful situation better. My dog is feeling better. My family recommends healthy paws without reservation

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
alandskowsky - We're sorry your pup need to have surgery and hope the recovery is going well. We appreciate the kind words regarding our phone and and easy claims process. Give your baby 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
READ FULL REVIEW >
VIEW RATES

Related to Pet Insurance

Top Articles
Suggested Comparisons