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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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vincent.powell.nc

6/14/2020
We brought home our very first puppy ever on June 29, 2019. Being new fur baby parents, we wanted to make sure that our little one would have access to the best medical care when needed. It was only a couple of weeks after we got him that he had problems with intestinal issues. I can't tell you how thankful we are that we had signed up with Healthy Paws Pet Insurance. Quinn, our pup, has had multiple problems with his tummy. On June 1st he was hospitalized having thrown up constantly for 24 hours. He received the best medical care and is now doing fine. We submitted our claims to Healthy Paws and received reimbursement for a major part of his care. For just a little over $19 a... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Vincent - We're sorry that Quinn was feeling so poorly, but glad that he is finally doing fine. We appreciate all of your kind words about our claims processing and customer service. Give Quinn another big hug from us.
Lilet M

6/13/2020
Thanks to Healthy Paws for Quick Reimbursement; Surely a Big Help in an already Rough Time. I purchased pet insurance shortly after my then 7-mo old pup had a bout of throw-up/diarrhea combo and cost me a hefty $500+. At 4 yo, it’s been pretty uneventful until last April … It was emotional. Plus, worrisome and stressful. Worried-sick about my baby who is in pain, and yes, worried about how much it would cost, especially during the uncertainty of COVID. Filing Claims: as soon as vet bill was emailed to me, I attached same in my account (no forms) Claim Processing: was completed either by same afternoon or following day Reimbursement: when huge surgery bill came, they requested... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lilet - We're sorry to hear that you baby was having those serious tummy issues. Thanks for all of your kind words regarding our quick claims and reimbursement processing. Thanks for being part of the Healthy Paws family!
D
Diana N

6/13/2020
I signed up for HealthyPaws in 2015 when I was gifted my pug mix Pumpkin at just a few weeks old. It was easy to sign up because the explanation of coverage is simple. In 2019, Pumpkin broke his tooth in a toy chewing accident. I immediately got him treated. After paying the vet, I submitted Pumpkin's medical records and vet expenses to HealthyPaws via their website (just two clicks to upload all of the documentation). HealthyPaws reviewed the claim and reimbursed the cost within two weeks (minus deductible and the exam fee). In 2020, Pumpkin decided to get into some more trouble which resulted in a very scary emergency abdominal and intestinal surgery. Knowing that I had... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Diana - We truly appreciate you and Pumpkin being a member of the Healthy Paws family since 2015. We're sorry your buddy had to have that major surgery and glad he is on the mend. We're happy that we can play a small part in making sure your baby had access to the best available medical care. Give Pumpkin another big hug from us.
D
Denise N

6/9/2020
We have been so happy with Healthy Paws Pet Insurance. Our eight year old dog needed to have back surgery to repair a couple of bulging discs which caused weakness in his back legs. If we did not have pet insurance the surgery would not have been possible for our family. Our dog is doing wonderful and back to himself. Healthy Paws covered exactly what they defined in our insurance agreement for our dog. We were pleased with the ease of submitting documentation and the prompt decisions made on our claims. We would 100% recommend Healthy Paws Pet Insurance.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Denise - Thank you so much for the kind words and for taking the time to post your review. We are so sorry to hear that your sweet boy needed major back surgery to relieve some bulging discs. Poor guy. We are so happy to hear that he is feeling much better after his surgery. Please give your fur baby a big hug from us!
J
Jamie M

6/9/2020
Healthy Paws is nothing short of amazing. We have a 1.5 year old chocolate lab who is our pride & joy. She is so healthy that we almost cancelled our insurance a few months back, thinking we wouldn't need it. Well, we were wrong. Unfortunately our dog tore her ACL and needed surgery which was incredibly expensive. We are so grateful for Healthy Paws because this cost was no where near what it would have been if we didn't have their insurance. In addition to the financial burden it would have put on us, Healthy Paws customer satisfaction is TERRIFIC. Their response time was amazing, and it only took 4-5 days to receive our funds back from Healthy Paws. Lastly after everything was done, they... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jamie - We are so sorry to hear that your sweet pup recently required major knee surgery. Hopefully, her recovery and rehab are going smoothly. Thank you so much for all the kind words regarding Healthy Paws amazing customer service and easy claims process. We are so happy to hear that your sweet girl is resting at home with her family. Please give her another big hug from us!
Kathy I

6/5/2020
Healthy paws has been amazing. They covered my pet for things I did not think they would cover such as Chiropractic, MRI's, ultrasounds, Acupuncture and Meds. I receive the check within a week. Recently my pet was hospitalized with pneumonia and they covered 90% minus the office consultant. In the last month, his bill was over $9600 and Healthy paws has paid the 90% no questions asked, other than the Vet bill. I have looked at several insurance companies side by side and hands down Healthy paws is the best. I would and Do refer anyone that has Pets to get this insurance. they also cover hereditary disease and NO max limit very important.... Extremely happy with Healthy Paws. I wish my... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kathy - We are so sorry to hear that your fur baby was recently hospitalized due to major pneumonia issues. Having a sick pet can be very scary which is why having Healthy Paws pet insurance is so important for those unexpected emergencies. Thank you so much for all the kind words and for taking the time to post your review. It's people like you who are helping to raise awareness about the importance of having pet insurance. Please give your fur baby one more big hug from us!
K
Kelly C

6/5/2020
We love Healthy Paws! They have always been so easy to file a claim with and I have ALWAYS gotten reimbursed quickly by direct deposit! We have always used them for small things like allergy testing but recently my dog went through testing at a specialist for siezures. I thought for sure they would stall and need all kinds of further documentation before we could be reimbursed this time. However, I submitted the invoice on the app on a Tuesday and was reimbursed by direct deposit by Friday! All I got was an email asking how my dog was doing! I cannot say enough good things about Healthy Paws! They have been a Godsend!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kelly - Thank you so much for all the kind words regarding Healthy Paws super easy claims process and convenient direct deposit option. We are so happy to hear that you have always been so pleased with your coverage. We are sorry to hear that your pup has been dealing with some allergy issues and hope that the testing and medication help to relieve those allergies. Please give your dog a big hug from us!
D
donna t

6/2/2020
I have had Healthy Paws for ten years for my three dachshunds. One had intestinal blockage surgery, and just recently my older guy had spinal surgery. Both times I could get my babies the treatment they needed without worry because even though I had to initially pay for the procedures up front, I had my reimbursements within ten days both times. I love this company and recommend them to every pet owner I know!!!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Donna - We certainly thank you for the time it took to write your review. We're sorry your babies have had to go through such stressful surgeries but glad we could play a small part in their care. We appreciate all of your kind words regarding our claims and reimbursement process. Give your babies a big hug for us.
L
Leslie H

6/2/2020
We love Healthy Paws Pet Insurance and Foundation. Our sweet Rottweiler, Keeva, was welcomed into our family in early 2018. Our son and his wife had decided on pet insurance after a scary expensive event with their Labrador. His wife researched many companies and settled on Healthy Paws. We trusted her judgement and also went with Healthy Paws. We thank goodness every day we chose this company. Not only is it reasonably priced they cover the most important things with no questions asked. They have a fabulous app that makes submitting claims a breeze! Keeva accidentally broke through her stitches after her spay, Healthy Paws covered, basically, another surgery. She has needed some... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Leslie - Thank you so very much for all the kind words regarding your excellent claims process experiences. We are so sorry to hear that your pup suffered a major injury to her knee requiring surgery. Hopefully, her recovery is going smoothly so she can get back to running around like a normal dog again. Thank you again for taking the time to write your review and please give Keeva a big hug from us!
Y
Yitian (

6/1/2020
Healthy Paw is the best pet insurance. They truly care about the client/pet and the processing time is amazing! I would recommend Healthy Paw to all pet owners!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Yitian (Annie) - -Thank you so much for being part of the Healthy Paws family member and for the kind words regarding the positive experience you have had with your claim and customer service experience. Give your fur 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
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