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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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Tom L

8/1/2024
I was very skeptical of purchasing health insurance for our dogs because I thought the reimbursement process would be difficult, and I assumed many charges would not be covered. However, after my previous dog suffered a long and very serious illness which required very costly veterinary specialty care, I decided to enroll my current dog with Healthy Paws Pet Insurance as a precaution. We were lucky that we didn’t need to make any claims for several years but just recently had to make a claim when my dog tore her cruciate ligament and required surgery. After submitting my claim, I expected I would need to provide additional support documentation, and the review cycle would be lengthy. I... Read More

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Andrea M

7/30/2024
Healthy Paws has been amazing with my sick pup. He's had many emergency vet visits over the past few months, including needing surgery and being admitted, and as well as specialist visits and an endoscopy/colonoscopy from what we now know is inflammatory bowel disease. Healthy Paws made cost a non-factor for us and getting him the best possible care was an easy decision. Filing claims was incredibly easy and all were paid within just a few days, no questions asked. They even followed up with me via email after one of his procedures to see how he was feeling. We've had Healthy Paws for about 6.5 years and always had a positive experience but the past few months have really solidified... Read More

robert.mcrae08

7/30/2024
We’ve been customers of Healthy Paws for over four years and have nothing but good things to say about this company. They have been very responsive and provide an intuitive means for claims filing. Most recently our dog experienced a serious leg injury that required surgery. We were amazed at how quickly we were reimbursed for most of the cost!

spencer.hendron

7/29/2024
What a great pet insurance company! Have been with them since I got two puppy pug brothers in 2012. Sadly...to say the least...I lost one last year, and they were extremely kind and compassionate in sympathizing with my grief. My pugs have accumulated significant vet bills over the years and especially recently because they mean everything to me and I always seek the best possible care. Healthy Paws has a very slick, easy online claim submission process and communicates back very quickly via email. Claims have been adjudicated and direct deposit made to my bank account astonishingly fast! A couple of days! I finish by saying I wholeheartedly recommend pet owners go with this company for... Read More

K
KIM

7/19/2024
My cat had a bowel obstruction and had to have emergency surgery. The ease of the claims process was greatly appreciated. Between the awesome vet and Healthy Paws all claims were processed in a timely fashion. I have had HP for a few years and this was the first time I needed to use it. I am so grateful that I had pet insurance. Healthy Paws exceeded my expectations in all areas.

danielle

7/12/2024
We're so glad we elected for pet insurance through Healthy Paws a few years back. Claims are easy to submit, customer service has been wonderful, and checks for the four or five reimbursements we've received to date have arrived within a week of submitting the claim. Above all, we've saved immensely. Our dog had to have unexpected knee surgery last month that cost several thousand dollars; our Healthy Paws policy, as promised, covered eighty percent. Monthly premiums increase as our dog ages, of course, but so far, the peace of mind and savings have been well worth the monthly investment.

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Kelly M

7/11/2024
Healthy paws has been a helpful and caring company for me and my dogs. My youngest dog Melita needed cataract surgery-due to an underdeveloped lens and thanks to HP we could afford this surgery and improve my girls quality of life! She can see and we got the best care possible. They also emailed to check and see how she was doing personally with such genuine concern. Summiting the claims were easy and the payments very fast. Its priceless to have less issues when dealing with insurance compaines-my only complaint is we cant get people insurance thru them too! ;) Kelly Robinson

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Beya L

7/7/2024
Healthy Paws Pet Insurance Healthy Paws has provided exceptional support for our two Cunucus (Arubian dogs). Tiana underwent TPLO surgery on her left knee in April 2023 and her right knee in June 2024. The reimbursement process was swift, and customer service has been excellent. Monthly premiums are reasonable with minimal annual increases. Their coverage has been comprehensive, and I would not have been able to afford approximately $15,000 for the two surgeries Tiana required without their support. Healthy Paws Insurance covered around 80% of all expenses, including medication and follow-ups. Refunds were deposited into my account within three days of submitting the necessary medical... Read More

Haley S

7/2/2024
Healthy paws has been such a dream! They are very easy to work with and have saved me tons of money on my pets care. My dog just had very major back surgery and healthy paws covered 80% and reimbursed me almost 10K quickly and efficiently, no problems or questions asked. Healthy Paws rocks! 10/10, 5 star rating.

D
Don G

7/1/2024
We got the insurance for our dog when she was a puppy because we did not know what the future will bring. Healthy Paws reimbursed a few times for minor problems during the course of growing up but this last year, she had a severe problem. After two surgeries, she has healed up and is back to being her fun and perky self. Healthy Paws reimbursed us what we expected in out plan. I thought after the first surgery that we would get cancelled, but they did not and paid for the second also!!! Wonderful to have such an honest company. I full heartedly recommend Healthy Paws pet insurance!

Top Rated
  • 25% discount on all in-office medical care 
  • Pet wellness plans available
  • No age restrictions
  • Covers pre-existing and hereditary conditions
  • Discounts available immediately on sign-up
  • A+ BBB accredited company
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