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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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laila.sh88

4/11/2020
What a great company! I got this insurance for my pomeranian when he was 7 months old. He is around 14 months now and I have to say it is one of the best decisions I have made for my dog! Once we passed the waiting period for existing conditions, they have accepted most of the claims! They cover almost everything except for vaccines, exam, prescription food, ...etc. My dog had a foreign object removal surgery recently. The surgery was urgent, and the cost is above $3,000. Healthy paws covered the surgery cost within days of submitting my claim online via direct deposit. Their website is fantastic! it is very easy to create a profile, submit claims, and get reimbursement! I highly recommend... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
laila.sh88 - We are sorry to hear about your dogs major foreign object removal surgery. Hopefully, recovery is going well. Thank you so much for the kind words and for taking the time to share your story. It's folks like you who are helping to raise awareness about the importance of having pet insurance for our furry friends. Please give your dog another big hug from us!
M
Michael T

4/10/2020
The best company. Easy to deal with. Quick. I put in a claim on a Tuesday morning and had a check Saturday morning. They explain things efficiently and also sent follow-up e-mails to how my dog was doing? I wish they had medical insurance for humans because I would go with them.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Michael - Thank you so much for the kind words regarding your recent claims experience. We take pride in having a quick and easy claims process and we are so happy to hear that you are so happy with your dog's Healthy Paws pet insurance policy. Please give your pup a big hug from us!
cmalo313

4/9/2020
We are so happy we selected Healthy Paws for our dog's health insurance. They have completed all of our claims very quickly with minimal effort on our end. It allowed us to focus on our girl's health rather than cost.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
cmalo313 - Thank you for taking the time to post your review and for the kind words. We are so happy to hear you have been able to focus on your furbaby's recovery. Please give your sweet girl a big hug from us!
ali.inan07

4/9/2020
Healthy paws is always there for us. Very easy mobile app, easy to file claims with the click of a button and a picture upload of the receipt. They check in once and a while to see how your pet is doing. We’ve had them for over 10 years and in that time lost two dogs, one to cancer. They were there for us through all if it

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
ali.inan07 - Thank you so much for the kind words regarding our easy claims process and super convenient mobile app. We are so happy to hear you have trusted us with your dog's fo so many years. Please give your dog a big hug from us!
mizjezi410

4/9/2020
They were super fast in their response time with reimbursement when my dog got injured. They even emailed to check up the following week to see how she was healing up!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
mizjez410 - Thank you for taking the time to post your review and for the kind words. We are sorry to hear about your dog's recent injury. We are happy to hear she is healing. Please give her another hug from us!
cloverluckyz

4/9/2020
They came through to help me with 90% coverage when my cat swallowed a toy. And are sending a check to cover her expenses very quickly, even during this difficult coronavirus time. Thanks Healthypaws.com

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
cloverluckyz - We are sorry to hear about your cat's recent foreign object removal procedure and hope it is doing much better. Thank you for the kind words and stay healthy!
A
Amy T

4/9/2020
Healthy Paws is an amazing company. They treat me and my dog as if they know us personally!!! The submission process if very simple which makes a stressful situation a little less stressful. During a tense time, they send the nicest email just stating they are here for us! It makes a world of a difference having the security of Healthy Paws. Not only financially but knowing they are there for emotional support as well! I can’t say enough about this company! They have a customer for life.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Amy - Thank you for the kind words regarding our easy claims process and friendly customer service. We are so happy to hear you have been so pleased with your Healthy Paws policy and look forward to providing you and your dog unparalleled service fo many years to come. Please give your pup a big hug from us!
K
Kathy C

4/9/2020
We've had healthy paws insurance for Winston for 4 years, since he was a puppy. Well it really came in handy a couple of weeks ago. At almost midnight on a Saturday night, we realized that Winston was in distress. We arrived at the emergency vet at 1am. The vet started immediate treatment. Winston stayed the night and part of the next day. When I picked him up the bill was shocking. The receptionist offered to handle sending all the necessary medical documents to Healthy Paws for me, I didn't have to do a thing . Within just a couple of days I received payment from Healthy Paws! I couldn't't believe how fast and easy the process was to get reimbursed. Additionally, we received... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kathy - We are so sorry to hear about Winston's major emergency and hope that he is doing much better now. Having a sick pet is very scary and stressful which is why having pet insurance is so important. We are glad to know that you were able to give Winston the very best medical care when he needed it the most. Thank you so much for all the kind words and please give Winston another big hug from us!
Evelyn D

4/9/2020
My 3 year old pug became lethargic and had a lack of appetite. I immediately took him to my vet for xrays, bloodwork and a barium test. His liver enzymes were off the charts. 24 hours later, I was at the University of Illinois Veterinarian School where he was placed in intensive care for 7 days after having his gall bladder removed. Thank goodness for Healthy Paws Insurance, the estimate of $6,500 was no reason to pause and have to consider putting Hank down at 3yrs old. Within 2wks I had a reimbursement check in my mailbox for $4,900. I pay $175/mo to insure all 3 of my pugs, it's worth every penny.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Evelyn - We are so sorry to hear about your pugs' recent illness and intensive hospitalization. We understand how scary it is when a furbaby is sick or injured. however, having pet insurance can greatly lessen the burden because it gives pet parents the ability to do what is best for their pet, rather than doing only what they can afford. Thank you for the kind words and for sharing your story. Please give all of your pugs more hugs from us!
lauriapage105

4/9/2020
We've had Healthy Paws insurance for a couple years, but gladly haven't had to use it until now. We were so lucky to have Healthy Paws help us through an unexpected emergency surgery for our cat. They've been courteous, responsive, and even sent a sweet card in the mail. This company goes above and beyond for you and your pets.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
lauriapage105 - Thank you fo the kind words and for taking the time to post your review. We are sorry to hear about your cat's unexpected emergency and hope it is doing better now. Please give your kitty a big hug from us!
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  • 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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