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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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J
Juan

7/16/2020
I insured my best friend with Healthy Paws when he was about 12 months old and I did never have a health issue. Unfortunately My best friend had to go thru surgery in the middle of COVID-19 pandemic, worst moment for this to happen with all the craziness and all of us being impacted financially. FORTUNATELY, he was insured and to my surprise the process of the claim with Healthy Paws was very smooth and transparent. This is something you should always look for an insurance company. I 100% recommend Healthy Paws for your pet.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Juan - We're so sorry you baby had to have that surgery, especially with the added strain of the pandemic. We appreciate all of your kind words regarding our claims process. Give your baby a hug and be safe.
katsobo

7/16/2020
My cat recently had emergency surgery after he ingested hair ties that caused a GI obstruction. I was worried that submitting my first claim could come with red tape and delays, however the process was completely painless! Once they confirmed they claim had been reviewed and completed the reimbursement was in my bank account within two days. They also sent a follow-up email making sure my cat had recovered and if there was anything else they could assist with.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
katsobo - We're sorry that your kitty had to have that tummy surgery and your baby is doing well in recovery. Thanks for the kind words about our easy claims processing and quick reimbursement. Give your kitty a squeeze from us.
M
M

7/15/2020
I am not one to leave reviews, but I can't say enough about HealthyPaws. Their customer service is the best I have encountered. They make filing claims simple, if they have questions, they facilitate getting the required documents, and they process the claims within two days, in my experience. Payment is received within days of submitting my claims. Whether I call in or send an email, HealthyPaws staff respond immediately and resolve any issue or question. This pet insurance is one of my best investments.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
M - We appreciate the fact you made an exception to leave your review. Thank you so much for your kind words regarding our customer service and easy claims processing. Give your baby a big hug from us.
debbiemishel

7/10/2020
Healthy paws has been amazing since we got our first dog in 2016. We now have two dogs and have been through multiple incidents including TPLO surgery, hematoma surgery, heart-worm, & Distichiasis (eye surgery). I can’t recommend them enough. Super easy auto pay every month & easily upload your vet invoices on the app to put claims in. As long as I have pets I will forever be a healthy paws client!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
debbiemishel - Thanks for the kind words and continued loyalty. We're happy to play a part in making sure your babies have access to the best available medical care when they're sikc or injured. Give your babies hugs from us.
C
Christa S

7/8/2020
Thanks to Healthy Paws for helping me with the insurance claims after my dog, Rose, got dangerously ill with a sudden allergic reaction and GI issue. Rose’s medical care was excellent, but very expensive. This was a very stressful time, and the financial side of things was an added stressor. I had to submit all the medical records with the insurance claims, but it was worth it. Getting reimbursed for a big chunk of the expense through Healthy Paws really saved me! I am so glad to have this insurance!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Christa - We're sorry that Rose was so ill, but glad she is doing better. We're glad we could relieve some of the financial stress when she was ill. Give her a big hug for us.
A
andrea

7/8/2020
I truly believe that getting Healthy Paws Pet Insurance was one of the wisest decisions that we as a family have ever made. You hope to never use it... but if you need to... you know that it is there and that your pet no matter what the cost is is going to be taken care of. Knowing that allows us to sleep a whole lot better at night. Healthy Paws has been so incredibly kind to us and oh so caring. They even check up to see how your pet is doing. I am speaking from the heart... you will never regret getting this care for your pets. We all know that money runs tight many times in our lives... having this insurance will make sure there is always funds to have things taken care of.... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Andrea - We can't thank you enough for the time you took to write your review. We're so happy we can play a part on making sure your babies have access to the best available medical care. We're glad we could relieve some of the financial stress during the difficult time everyone is going through. Give your babies big hugs from us.
S
Suzy F

7/7/2020
Very positive experience with Healthy Paws. Was referred to them by my neighbor, who also has had a need to use them (ACL surgery on her pup). Completing information and sending invoices was easy, and when it wasn't, Healthy Paws reached out to the Animal hospital and dealt with them directly. Prior to my dog's emergency visit and surgery, I had a fleeting thought of shopping around for another insurance provider, since my premium has increased, but after this experience - never! From the customer service reps that handled my calls during such a difficult time, to the immediacy of receiving my reimbursements, I could not be happier.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Suzy - Thank you for the kind words about our customer service, efficient claims and reimbursement process. We hope your baby is doing well after their surgery.
W
Wanda V

7/6/2020
I purchase this insurance for my dog a few years back. With all that is happening with the COVID-19, I considered cancelling but I am extremely thankful I did not. My pet woke up limping, I took her to the vet and she said sometimes it happens. But with further testing, she needed a knee surgery. Healthy paws not only did what they said they would, they made the process VERY easy. THEY REALLY CARE. No hassle and no fighting for reimbursements. It took them under 10 days to approve and reimburse for surgery. This is by far the best decision I made for my loved pet.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Wanda - We're glad we could be there to help with that major leg surgery. We appreciate all of you kind words about our reimbursement process. We hope your pup makes a complete recovery.
1331alex

7/5/2020
Quick claim processing. Covers all as stated in Olán. Have never had issues!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
1331alex - thanks for the kind words. Give your baby a hug for us.
L
Laura B

7/3/2020
Our 5 year old Boston Terrier Frankie was unable to walk and diagnosed with a ruptured disk. Frankie needed spinal surgery and Healthy Paws was with us every step of the way with total support and superior customer service. The costs were high and Healthy Paws sent us a check immediately. We cannot say enough about this company's commitment to their pet clients! Wonderful app is easy to use too. Thank you Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Laura - We're so sorry that Frankie had to have that major back surgery. We appreciate your kind words about our customer service and easy to use phone app. Big hugs to Frankie and we hope her recovery is uneventful.
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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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