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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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Danielle D

8/20/2020
We have had healthy paws for over a year now and they have been exceptional. They always explain what they cover clearly, there are no surprises, and their review process for claims and money back is always very fast. We’ve been so happy with them and highly recommend.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Danielle - Thank you for taking the time to post your review and for the kind words regarding Healthy Paws exceptional service. Please give your fur baby a big hug from us!
Barbara A

8/19/2020
My six-year-old pit bull tore her CCL and required surgery and I was really hoping the Healthy Paws Insurance would be as good as I had heard. I have had the policy since 2017 but haven't had to use it until now. I'm so relieved that they were in fact a company of integrity and their fast follow up and prompt payment of everything we had hoped for allowed us to focus on helping Maisie through her surgery and recovery without the additional stress of wondering how we were going to come up with the several thousand dollars required for the surgery. I would recommend them to anyone and am so grateful.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Barbara - We are so sorry to hear about your dogs major knee injury. Hopefully, her recovery and rehabilitation is going well. Thank you for taking the time to post your review and for the kind words regarding our fast follow up and prompt payment. Please give Maisie a big hug from us!
rdhchristy

8/19/2020
ENGLISH BULLDOG OWNERS MUST HAVE! This is this best coverage for hip dysplasia, nasal and airway issues, etc, etc. Read the fine print on all the competitors. I have seen so many disappointed owners when their pet insurance didn’t cover procedures that are most common for English Bulldogs. The app is incredibly easy to use. Upload the picture of your bill and you’re almost done. Healthy Paws says to expect the claim to be processed in 10 business days, however most of the time the REIMBURSEMENT IS IN MY ACCOUNT IN 24hrs!!! The rates are reasonable, customer service 5 star. I even was contacted to see how my pup’s surgery went! Highly recommend Healthy Paws! Don’t be the heartbroken pet... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
rdchristy- Thank you so much for such high praise regarding Healthy Paws comprehensive coverage. It is so good to hear that Healthy Paws has been such a blessing for your fur babies. Please give your sweet Bulldog a big hug from us!
Jo L

8/18/2020
Healthy Paws has been great. My Best in Specialty Show male Akita, Xerox was diagnosed with HemangioSarcoma last February. He has received the best treatment available. Healthy Paws has paid 80% of all claims presented without incident.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jo - We are very sorry to hear about Xerox diagnosis of hemangiosarcoma but we are happy to hear he is receiving the very best veterinary care available. Please give him a big hug from us!
mlhylton2001

8/18/2020
Healthy Paws is an excellent choice for our dog's health needs. Easy & expeditious claims processing. We couldn't be happier!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
mlhylton2001 - Thank you so much for the kind words regarding Healthy Paws fast and easy claims process. Please give your fur baby a big hug from us!
H
Heidi V

8/18/2020
My 2 1/2 year Corgi Mix had a Compressed Disc in his back and was unable to move his back legs - my Vet referred me to a Vet Specialist who advised he needed surgery at a cost between $5000 - $7000. Thanks to Healthy Paws - My Rory had his surgery and within a week was walking on all 4 legs again! A bit wobbly mind you but walking - now 3 weeks since his surgery he's about 95% back to normal and Healthy Paws has paid his medical $6900 claim just as agreed! What a relief on so many levels!! I had never purchased Pet Insurance and didn't know if or how well they would pay with this being my first claim. They were prompt - courteous-and caring and kept their committment which is whay you... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Heidi - We are so sorry to hear that your pup needed major back surgery to repair a compressed disk. Having a sick or injured fur baby can be very stressful and scary. We are so happy to hear your Corgi is back to walking on all 4 legs once again. Thank you so much for all the kind words and for taking the time to post your review. We hope your pup stays happy and healthy for many years to come. Please give him another big hug from us!
bgurcay86

8/18/2020
I have had Health Paws as my pet insurance since 2011, and I have 4 rescue dogs. Throughout this time they have been wonderful with the claims process and checking in with me when my dogs went through more serious health issues like tumors and any surgical procedures. Their claims process is very fast, efficient and transparent. I have never had problems with them. Sometimes I wish my own health insurance was as easy to deal with!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
bgurcay86 - We love hearing from our longtime Healthy Paws family members! Thank you so much for taking the time to post your review and for all the kind words. We are so pleased to hear that you continue to be so pleased with Healthy Paws after all these years. It's people like you who are helping to raise awareness about the importance of having pet insurance for our fur babies. Please give your fur babies another big hug from us!
D
Donna

8/17/2020
This is her second TPLO surgery in 10 months and having Healthy Paws insurance has been a godsend for our girl. She is a very special little one and giving her the best of care when needed is a blessing.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Donna - We are very sorry to hear that your pup required another major knee surgery, poor girl. We are so happy to hear that Healthy Paws has been such a godsend for your family. Please give your girl a big hug from us!
Daria A

8/17/2020
After researching numerous pet insurance companies, I found that Healthy Paws was the best fit for our furry family. It was very easy to sign up and even easier to navigate their app. Within 2 months of adopting Duncan, he needed knee surgery. I submitted all of his vet receipts and within the month I had a reimbursement of 90% direct deposited into my bank account. If it wasn't for the awseome coverage offered from Healthy Paws, I would be 2 grand in the hole. Don't hesitate when it comes to pet insurance...Don't hesitate in choosing Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Daria - Thank you so much for the kind words regarding Healthy Paws easy enrollment process, simple claims process, and convenient direct deposit feature. We are very sorry to hear that your fur baby needed major knee surgery recently. Hopefully, his rehab is going well. Please give him another big hug from us!
jrnic88

8/17/2020
HANDS DOWN, THE WORST CUSTOMER SERVICE I'VE EVER EXPERIENCED. After the first year, my premium was increased 12%. After the second year, they attempted to raise it ANOTHER 20% above that. I declined and wanted to cancel before the increase started (I was given roughly six weeks’ notice to the increase). I spoke to a customer service agent, and was given the deadline I needed to cancel by. I called and canceled on that date because I wanted the full (paid) coverage in case something happened with my pet before the premium increased. It turns out I should've been given the day before, as THAT date was day 1 of the new billing cycle, when they'd charge my credit card with the 20%... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
jrnic88 - We apologize for the issues regarding your refund after the cancelation of your policy and completely understand your frustration. As our Customer Liaison Manager covered in their email to you, due to a mistake in the handling of the case, our team did not receive it in a timely manner. Your refund has been processed as of 8/17. We're sorry to lose you as a policyholder and hope you and your pet stay well. The Healthy Paws Team
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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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