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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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WAYNE C

4/21/2020
I can't say enough good things about Healthy Paws Pet Insurance. I was referred to this company by a tenant who had Healthy Paws for a long time. I would not insure my 4 precious babies anywhere else. One of my puppies was bitten by anther dog in a park. Medical bill was over $3000.00. I filed the claim online (very easy to do) and within a week, I received my reimbursement check. The whole claim process was quick and hassle free. Just today, I received an email from Healthy Paws staff asking for my puppy's recovery progress. Needless to say, I am very touch. I would not insure my 4 precious babies anywhere else.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Wayne- We are so sorry to hear about your furbaby's recent dog bite. Having a sick or injured pet can be very stressful and scary which is why it is so important to protect them with Healthy Paws. Thank you so much for the kind words and for taking the time to write your review. It's people like you who are helping to raise awareness about the importance of having pet insurance for their furbabies. Please give your dogs more hugs from us!
P
Pam R

4/21/2020
I signed up for a plan Over a year ago and didn’t expect to have to really use it for our very healthy young athletic dog. Just recently she was diagnosed with a partially torn cruciate ligament. I seriously thought this was something that happened to “other people’s dogs..” but no, it can happen to any dog. She recently had TPLO surgery and this company was FANTASTIC to deal with. Great communication, very good coverage, and quick reimbursement. I wish my own health insurance was this good. Paying the premium each month was worth it and certainly didn’t hurt as much as paying over four grand all at once for an unexpected procedure.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Pam- We are so very sorry to that your girl had to have such a big leg surgery. Thank you for the kind words regarding our customer service, coverage and quick reimbursements. We are so happy to hear we came through for you and your pet when you needed us the most. Please give your furbaby a big hug from us!
Scott H

4/21/2020
Very easy to file a claim, the claim was processed quickly and efficiently.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Scott - thanks for the kind words about our efficient claims process. Give your baby a hug for us.
Vivian B

4/21/2020
If it was not for Healthy Paws working closely with Pieper Memorial Veternary Center I would not have been able to get the necessary care for my fury family member. Thank you Health Paws. I am so happy that I selected you to be the insurance provider!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Vivian - Thanks for your kind words. We hope your baby is doing well in their recovery.
J
Jamie

4/21/2020
My cat had a very serious and very expensive hospitalization recently. Healthy Paws reviewed, approved and made payment very quickly, especially for a first claim. They also emailed me checking in on my pets health. They really made a very stressful time that much easier

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jamie - We're sorry your kitty had to be hospitalized. Thanks for your kind words regarding our efficient claims process. We hope your kitty has made a complete recovery. Big hugs from us to your baby.
D
Dristi G

4/21/2020
I have Healthy Paws pet insurance for all my 3 boys since they were 8 weeks old, my oldest is going to be 8 in June 2020, and I am so glad i have the insurance, in 2015 my middle one went through ACL surgery and healthy paws covered 90% of $5000.00 in vet bills, and this year my eldest had two mass removal and 1 broken tooth extraction, and covered 90% of $1100.00. Having piece of mind that my boys are covered for any accident, illness or injury is the best part. I always suggest all my friends and family to take Healthy Paws pet insurance. Thank you for being their for my boys in the time of need. Its so easy to file claim and they are fast to complete and do direct deposit to my back, no... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Dristi - No, thank you for being part of the Healthy Paws Family for the past 8 years. We're sorry your babies have had those major surgeries, but so glad we could play a small part in their care. We appreciate the kind words about our claims process and our ability to directly deposit your reimbursements into your bank account. Give your boys hugs for us.
klhoep

4/20/2020
I have two young dogs covered by Healthy Paws, it's has definitely been worth the cost. They love to get themselves into trouble! When my dog needed emergency surgery I was able to focus on my dog and his health, instead of having to worry about the cost of the surgery and hospitalization. After submitting a claim the company quickly deposited my reimbursement. They also contacted me afterwards to check in and see how my dog was doing.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
klhoep - No way your pups like to get into trouble:) Glad we could relieve some of your stress when your baby needed surgery. Give your babies hugs from us.
Sandra S

4/20/2020
I am truly grateful for HealthyPaws. One of my dogs is a bit of an unlucky fellow. He had a lot of surgeries and other incidents requiring medical attention within the last 3 years. HealthyPaws was with us all the way. They always immediately start working on submitted claims and not once questioned any of the needed interventions or gave us a hard time. They were always there when we needed them. They even check in on the dog to see how he is doing. If there is one company I can truly recommend, it is HealthyPaws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sandra - Thanks for your kind words and heartfelt recommendation. We appreciate you kind words about our claims process and coverage. Give your pups hugs from us.
stephanielamm5

4/20/2020
I have had Healthy Paws for four years now. I have never had to use it extensively until now. My dog had a cancerous tumor and recurring UTIs. Over the course of three months, she wracked up $2,000 in medical bills. This insurance has covered most of it. I think I ultimately paid $800 out of pocket in order to reach my deductible. Now that I have hit my deductible, I no longer worry about the cost of treatment. I can focus on getting her whatever care she needs. It is such a relief to have pet insurance at this time. I paid about $30/month for four years. Even if I had stashed all that money into savings, it would not have been able to cover my dog's medical expenses over the past... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
stephanielamm5 - We certainly thank you for the time it took to write your review. We're sorry your baby had to go through all of that, but glad we could play a small part in your pup's care. We appreciate all of your kind words regarding our coverage, claims and reimbursement process. Give your baby a big hug for us.
Michelle M

4/20/2020
Healthypaws has been a lifesaver this past year for my 4 year old Golden Retriever. I noticed her on and off limping for a while, and eventually after seeing a few vets, learned she had a torn ACL. The surgery was estimated to cost $4,800, along with the costs of all of the pre-work and post therapy. Healthypaws was prompt at responding to each claim leading up to the surgery, which gave me confidence that the surgery bill was not going to be issue. My large claim was processed within 2 days of submitting, and I have since received personal follow up emails checking in on her recovery. Through all of the stress of the surgery itself, it's been a huge relief to not have to worry about the... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Michelle - We are so sorry to hear about your pups major knee surgery, and hope that her recovery is going well. Thank you so much for taking the time to share your story and for all the kind words regarding Healthy Paws amazing coverage. Please give your sweet girl another 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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