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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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Thomas C

4/28/2020
My cat had an ulcer in his right eye due to the lower eyelid rolling up into the cornea. I had to take him to the veterinary ophthalmologist for eye surgery. This was not cheap...it cost more than the cataract surgery I had done on my own eye!! I submitted a copy of the veterinary invoice as well as a copy of my cat's medical history and 2 days later I had a deposit in my bank account for 80% of the cost of the surgery. This was the sole reason I took out a policy with Healthy Paws, to cover extraordinary medical procedures that might crop up. They were wonderful and very responsive, even during this COVID19 crisis. Posted this review on 4/28/2020.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Thomas - We are so sorry to hear that your kitty needed major eye surgery. That must have been very stressful. Having Healthy Paws pet insurance gives pour family members the peace of mind in knowing they will always be able to give their pets the very best veterinary medical care available when their pets need it the most. Thank you so much for the kind words regarding your wonderful Healthy Paws experience. Please give your cat another hug from us!
mcintoshpk3

4/27/2020
Being a pet parent can bring so much joy into your life, but in the blink of an eye , you can be faced with a medical emergency and the tough and expensive choices you must make to save your pet. Having been in this position, with thousands in veterinary medical debt in the past, we have chosen to insure our dogs. We have had four pets insured by another pet insurance company but this time, I did more research and had more choices. We are so happy we chose Healthy Paws. In the past month, our puppy was faced with two medical emergencies. We submitted our claims, had an immediate response, and processed claims in days, not weeks. Again, we couldn't be happier with our choice to... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
mcintoshpk3 - We are so sorry to hear that your puppy recently had a few major medical emergencies. Having a sick or injured pet can be very scary and stressful. Veterinary expenses can add up quickly and without having pet insurance it can be very hard for pet parents to pay for their furbabies medical care. Thank you so much for the kind words regarding your recent claims experience. Please give Teegan a big hug from us!
hellobrendaflores

4/27/2020
I have had Healthy Paws Pet insurance for almost 1 year now and I am happier than ever and reassured when it comes to the health coverage of my dog. Can't recall if there are different policies but, I pay about $58 / month for any illnesses or accidents my pup may have. My 14 month old pup began vomiting and within 24 hours he was vomiting blood. I took him to emergency where he got the care he needed. As expected, I paid a HEFTY medical bill. The one thing that I can say TRULY gave me peace of mind, was having coverage through Healthy Paws for emergency cases like what my pup experienced. Submitting a claim with them is super easy, through their user friendly website. They send you a... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
hellobrendaflores - Thank you so much for taking the time to post your review and for the kind words regarding Healthy Paws straightforward claims process, convenient direct deposit option, and clear communications from our Customer Care Team. We take great pride in offering easy We are so happy to hear that you are so happy with all of your Healthy Paws experiences. Please give your pup another big hug from us!
the7thpres

4/27/2020
My dog Chance came down with an acute case of nercotizing pancreatitis. He was fine one day and then the next extremely lethargic. I had taken him to the vet during the day and they were unable to diagnose the issue based on x-rays and lab results, but thought that he might have ingested a foreign body. After inducing vomiting, the vet recommended he stay overnight for monitoring. About midnight I got a call that he was getting progressively worse and needed immediate surgery and they were only giving him 50/50 odds of survival through the night. They were able to help me find an emergency vet that was able to perform emergency exploratory surgery and found that part of his pancreas... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
the7thpres - We are very sorry to hear that your dog Chance was recently dealing with some major pancreatitis issues and had to undergo major abdominal surgery. We are so happy to hear that he is doing so much better after that major scare. Thank you so much for all the kind words and for taking the time to share your story. Please give Chance another big hug from us!
vsc2854

4/26/2020
My 16 year old Pomeranian is diabetic, Cushing disease, chronic pancreatitis and has had 2 episodes of cancer, 2 episodes of kidney stones and a gallbladder flare up . Healthy Paws has made his well over 50 thousand dollars of care over the past 3 years possible. Because of healthy paws his diabetes is well controlled as are his other chronic conditions and he is enjoying his golden years to the fullest. I can’t say enough wonderful things about this insurance. It was the best decision I’ve ever made and I recommend it to all pet owners.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
vcs2854 - We are so sorry to hear about the ongoing conditions your pup has been dealing with over the years. However, we are so happy to hear that you have been able to give your furbaby the very best medical care available. Thank you so much for the kind words and for letting us know that your pup is able to enjoy his golden years happy and healthy. Please give him another big hug from us!
J
Jennifer

4/24/2020
I have never had pet insurance before so this is my first experience. I will say without a doubt it was the best decision I’ve ever made. Healthy Paws process was so easy and turn around time for claim was extremely fast. They even follow up to check on your pets health. Honestly don’t know about other companies but I can without hesitation recommend Healthy Pets Insurance to any pet owner out there!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jennifer - Thank you so much for the kind words regarding Healthy Paws fast and easy claims process. We take great pride in making our claims process as simple as possible. We'd also like to thank you 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 furbaby a big hug from us!
T
Tracy W

4/22/2020
Amazing claims process. It took less than a minute to submit the claim for our dog’s $3k surgery by taking a pic of the invoice in their app and hitting submit. We received reimbursement by direct deposit in 4 business days.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tracy-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 quick reimbursement. We are so happy to hear that you have been so happy with your claims experience. Please give your furbaby a big hug from us!
sluney90

4/22/2020
Healthy Paws Pet Insurance has been AMAZING!! I got the insurance right after I got my puppy because he was putting everything in his mouth. Little did I know, my puppy would be diagnosed with a heart murmur a few months later. Then have to have surgery on his eyelid to remove hair folicules so his ulcer could heal. Healthy Paws has been amazing through everything. I just take a picture of the receipt and submit a claim. Within 1-2 days the claim is complete and they send me a check in the mail. It's that easy. I 100% recommend Healthy Paws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
sluney90@gmail- We are so sorry to hear that your puppy was diagnosed with a heart murmur and had to have eyelid surgery. Thank you for taking the time to post your review and for the kind words regarding Healthy Paws effortless claims process and quick reimbursements. Give your baby big hugs from us!
B
Beverly B

4/22/2020
Our 11 year old English Lab had some serious issues which we later found out was from a bigger than grapefruit sized mass in his abdomen. He was rushed to the emergency vet after having projectile vomiting and not being able to defecate. The entire encounter has taken a month and several visits to the emergency vet ending up in surgery. Healthy Paws responded within a week of submitting the first invoice and we had a check. They also emailed us on several occasions to check on our boy. We have been reimbursed very quickly, usually within a week. They have shown a lot of compassion and understanding on this terrible journey and have been with us every step of the way. I highly recommend... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Beverly- - We are sorry to hear that your English Lab had to go through a major surgery recently and hope his recovery is going well. Having a sick furbaby can be very scary, and stressful. After all, our furbabies are members of our families, and when they hurt, we hurt. Thank you so much for your kind words regarding your customer service and quick reimbursement experience. We do understand that exam fees can be expensive, but by making the office visit fee (vet exam, emergency exam, recheck or consultation) part of the pet parent's financial responsibility, it allows us to offer a complete accident and illness plan at an affordable monthly premium. Our policyholders value comprehensive accident/illness coverage and unlimited benefits at reasonable rates. Please give your baby a big hug from us!
T
Teresa T

4/21/2020
Our 7 month Dachshund Chaos had a blockage and had to have surgery. Less than 2 weeks after filing the claim it was approved and payment was received. Pleasantly surprised! If you are looking for a excellent pet insurance policy, I would most definitely consider HealthyPaws. We are so glad we did.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Teresa- Thank you for the kind words regarding your recent claims experience. We are so happy to hear you have enjoyed being a Healthy Paws family member and that your experience has been so positive. We hope that Chaos is recovering well from the surgery, and please give your baby big hugs 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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