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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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Katelyn E

10/27/2020
I don't know what I would have done without them. I signed up for healthy paws a few days after I picked up my perfect little pup, he's now 5 years old. This year has been a doozy!! He tore hi ACL on the left side in June, the surgery was 5k, he then needed physical therapy, and right when we were clear to get back to normal activity he tore the other side, only 3 months later! This side was 6k because they also found a mass they needed to remove. Over 12k in vet bills in 3 months, and more to come with therapy. Healthy paws saved his quality of life! We simply submit the bills via thier app and within a few days have our 90% refund. They even emailed personally to check in on him after... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Katelyn-- Thank you for the kind words regarding our outstanding coverage. We are so happy to hear that you have been so pleased with your Healthy Paws pet insurance. We are so sorry to hear about your pup's big surgeries and glad we can be there to help. Give your baby a big hug from us!
C
Cathy L

10/26/2020
As a pet owner that paid for Healthy Paws Pet Insurance for over 3 years, I had my first chance to use it when two of my healthy 3 year old cats landed in the emergency room with a severe upper respiratory virus, at the same time. Five days in the hospital and many thousands of dollars later, I sent in the medical documents and bills to Healthy Paws wondering what kind of response I would receive. Not only were they quick in responding, they answered the phone, called me back and even called the Vet directly to request the necessary backup documents. The checks arrived quickly - before the credit card bills themselves - and were simple to read and tie back to the bills. But most... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Cathy-We are so happy that over the years we have been able to play a part in making sure your babies have access to the bet available medical care. Thanks for the kind words about our excellent customer service and quick reimbursement process. Give your gang big hugs from us.
P
Pam

10/26/2020
Healthy Paws is the best insurance you can get for your pet. My Golden has had several health scares this year 2020. Healthy Paws has been great I highly suggest you get this insurance for your fur kids it’s the best. Pam Blaco and Quinn Quinn is doing much better. I have recommended your insurance to several of my friends. Thank you for making it very easy especially when my fur baby isn’t feeling his best self. Sincerely, Pam Blaco and Quinn

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Pam- We are so sorry your golden has had health scares this year. We appreciate the kind words regarding our service. Give your baby a big hug from us.
D
Davis M

10/26/2020
Healthy Paws has been a nightmare. We had to submit the same paperwork 5 times. They finally acknowledged the claim and demanded a full history on our dog. After going thru this process for 4 months, we refused to participate in the sham any longer. We told them to close the claim and cancel the policy, but they refused to do either. They are only concerned with collecting their premium. I advise anyone who is looking for pet insurance to avoid Healthy Paws. David M.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Davis- We apologize that our current customer service has not met yours or our expectations. Unfortunately, we cannot find your account in our system with the limited information in your review and profile. Since we cannot find your account with the information provided, we do not want to speculate on the issues with your claim or confirm your cancellation request. If you’re willing, please send a message to Consumers Advocate at info@consumersadvocate.org with your full name/policy number and your permission to provide hat information to us. We can have one of our Customer Liaison Managers look into the issue with your claim and work on a getting it completed as well as ensure that your account is cancelled per your request.
Rachael S

10/24/2020
I do not have enough positive things to say about my experience with Healthy Paws! Seriously, just get it. Despite some teasing from friends about enrolling in pet insurance (I heard a lot of "its just a cat, it'll be fine"), I figured it was a good thing to do when I got my two kittens, Loki and Bo, about 4 years ago. I did my research, and the reviews I found online indicated that Healthy Paws seemed to be the one people liked the most. That, combined with the affordable monthly fee and low deductible meant that it wasn't going to break the bank, even if my cats never needed it. I've owned cats my whole life and have never had one with health problems, and the most time we'd ever spent... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Rachael- We are so sorry that your little Bo had such a serious leg injury, we hope that his healing is going well. Thank you so much for singing our praises! We are so happy that Healthy Paws has been able to provide you and your kitties with the best comprehensive coverage available .Please give your kitties a big hug from us!
R
Rena

10/23/2020
I highly recommend Healthy Paws Pet Insurance. You will not find better coverage, better customer service, easter claims processes, or better reimbursement rates. I am so grateful for Healthy Paws. It recently paid off by saving my little girl's life!! It made all the difference in accessing the best treatment and therapy for my little girl, knowing I had Healthy Paws behind me. I could NOT have gotten through the difficult and worrisome time without knowing we had the financial security and support behind us! It is wonderful to know that Healthy Paws knows just how important our four-legged family members are to the family unit, and just how much they mean to us. Thank you Healthy Paws... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Rena- Thank you so much for such high praise regarding Healthy Paws comprehensive coverage, excellent customer service and easy claims processing. It is so good to hear that Healthy Paws has been able to be there to relieve the financial stress when your baby was not well. We hope that she is feeling better, please give her a big hug from us!
A
Amy

10/23/2020
My husband and I have owned 4 dogs and will be welcoming our 5th dog within the next couple of weeks. We did not know about pet insurance for our first two dogs. One of them developed a heart condition that cost us a car payment every month in medications and he had a couple of emergency visits, one which resulted in a $3k surgery. Our second dog developed heart disease and declined within 3 months. We had $3k in vet bills over those 3 months. Our third dog was a retired guide dog who developed a neurological condition. It cost us $10k a year to manage her condition with a variety of veterinary specialists. We were unable to insure her because the condition was diagnosed when we adopted... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Amy- 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 babies have had these serious health issues. Please give them a big hug from us!
J
Jennifer L

10/22/2020
I am so grateful to have Healthy Paws Pet Insurance. The process to file a claim is quick and easy. Knowing they are there to help with the bills makes it so much easier to focus on getting my fur baby the care he needs versus worrying about whether or not I can afford it.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jennifer - Thank you for the kind words regarding our easy claim 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!
Ina N

10/21/2020
I created policies with Healthy Paws for both my dogs since I adopted them 5 and 6 years ago, and we've had a couple of emergency visits and Healthy Paws has always been super helpful and easy to work with. Their guidelines for what they reimburse are extremely clear and I've never encountered any unpleasant surprises. Even when one of my dogs had to spend 2 nights in the hospital (in other words, a hefty bill), I submitted the claim over the app (which took less than a minute, just took a photo of the invoice and hit submit), and it was processed in about a day and a half. The reimbursement check was in my mailbox in less than a week. And they even emailed to check in on my little girl... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Ina - Thank you so much for trusting Healthy Paws to protect your sweet pups and for taking the time to post your review. It's folks like you who are helping to raise awareness about the importance of having pet insurance for all those unexpected expensive emergencies. We are sorry to hear your pup was hospitalized recently and hope your little girl is doing much better now. Please give both of your dogs another big hug from us!
D
Diana

10/21/2020
I absolutely love HealthyPaws insurance for my dog and would highly recommend it to anyone who has a pet. A few of my friends, who're pet owners, have this insurance (per my recommendation) and they're very happy with it as well. Pros: - Customer service is excellent - Very prompt payment (most times getting reimbursed within 2 days of submitting a claim) - Excellent coverage - Got coverage on a test that most insurances don't cover Cons: - a bit pricy, but totally worth it, especially if you have a pet with health issues

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Diana - Thank you so much for the kind words Healthy Paws excellent customer service, prompt payments, and excellent coverage. We are so happy to hear that you have been so pleased with your fur abies coverage. Please give your fur baby a big hug from us!
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  • 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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