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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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Suzanne

3/9/2020
We've had Healthy Paws Pet Insurance since we brought home our pup. It's been 3 years now, and we're really glad to have insurance with Healthy Paws. They are super easy to work with, claims are processed fast, and it's very transparent to see what is covered. We've had ~3 emergency hospital visits in the middle of night, with several thousands of vet bills at the end, and thanks to Healthy Paws it wasn't a financial burden to finance these!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Suzanne - Thank you so much for being a longtime Healthy Paws family member and for the kind words regarding Healthy Paws super easy claims process and transparent policy. We pride ourselves on having a simple claims process and straightforward coverage for those unexpected emergencies. We are sorry to hear that your pup has had a few hospital visits, but we are so happy to hear that Healthy Paws was there to help every step of the way. Please give your furbaby a big hug from us!
S
Steve M

3/5/2020
As a first time purchaser of pet insurance. I am more than inpressed. My 2 claim process was so simple and I could do everything online. My claims were reviewed and processed the next business day. Highly recommend as it is definitely worth the upfront investment. Having been to two veterinary hospitals with in 24 hrs an 8,000 dollars of expenses claimed. They were very compassionate an concered for my dog. Checks were recieved with in a week of filing. I highly recommend Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Steve - We are so happy to hear that you have been so impressed with your Healthy Paws pet insurance policy and truly appreciate the kind words regarding our simple claims process. Thank you so much for taking the time to write your review and for sharing your story. We are so sorry to hear that your pup was recently hospitalized and hope your furbaby is feeling much better now. Please give your baby a big hug from us!
stephaniejcampbell2016

3/1/2020
My Healthy Paws monthly payment is smaller than almost everyone I know with pet insurance, my deductible is lower, AND my coverage is better. The only delay in getting 80% reimbursement on my dog's $4000 knee surgery was setting up direct deposit. REALLY easy, REALLY good coverage, and 100% saved my bank account when my dog blew her ACL. I recommend pet insurance and Healthy Paws to everyone I know.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
stephaniej - We are sorry to hear that your dog required a major knee surgery recently and hope her recovery is going well. We are so happy to hear that you have been so pleased with your Healthy Paws coverage. Thank you so much for the kind words regarding our comprehensive coverage and super convenient direct deposit feature. Please give your sweet girl a big hug from us!
T
Tori S

3/1/2020
I am so incredibly dissatisfied and disappointed in this company. I signed up for insurance over three years ago. I’ve not used it once, I have it as a safety net for my dogs. I just another email stating my policy was going up another 30 dollars a month. Are you kidding me ? I’m paying as much for them almost as I pay for myself and I have not once needed RBI’s service. I called only to be told Bc I’m in NY and allot of people are using this company my rates are going up.....so Bc more people use insurance I am paying for their service ???? This is insane. You’ve definitely lost another customer and I will most definitely spreading the word on how awful this was handled.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tori - We truly appreciate that you have been a valuable member of the Healthy Paws Family since 2017. We also know you’ve only filed a few claims since then and we hope that you never have to--this means your pets are healthy and accident free. Our management team works hard to keep our premiums as low as possible while still providing comprehensive coverage. New technology, advancements in veterinary treatments, and overall claim costs are taken into consideration when assessing our rates. Premiums are determined based on the rates and rating rules filed and approved within each state’s Department of Insurance. These reflect the cost of treatment, advances in veterinary medicine, your individual pet’s breed, gender, age and other factors, in addition to the overall claims experience for the program within the region your pet resides. As a result, we need to increase the premium level for all pets in your state so you and your pet can have continued access to the best veterinary care. Rest assured, we will never penalize you with higher rates for making claims. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of veterinary care. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website. Give your babies big hugs for us.
haeun0824

2/27/2020
Healthypaws was very quick to reimburse my puppy's knee surgery at 5 months after he jumped from the couch. After we set up the direct deposit, the reimbursements were even faster (around 2-3 business days). I highly recommend Healthypaws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
haeun0824 - We are sorry to hear that your puppy needed major knee surgery and hope that his recovery is going well. Unexpected injuries can happen at any time which is why it is so important to protect our furbabies, and us from those unexpected expenses. Thank you so much for the kind words regarding our super convenient direct deposit feature and quick reimbursements. Please give your boy another hug from us!
Pengpeng Y

2/27/2020
Healthy paws reimburse me within a week. That's super quick! You can submit the claim on the phone by just taking one photo.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Pengpeng - Thank you very much for the kind word sand for taking the time to write your review. Please give your furbaby a big hug from us!
Sara L

2/26/2020
Healthy Paws has been insuring 3 of my pets for several years. I’ve recommended them to several friends. I will use them in the future.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sara - Thank you for the kind words and for trusting Healthy Paws to protect your furbabies. Please give them all a big hug from us!
J
Jackie

2/26/2020
I’ve been using Healthy Paws Pet Insurance for my 7 year old lab-mix since April 2015. In the span of a year, they’ve jumped the price of my policy from $44 per month to $69 per month! Healthy Paws might be great for new customers, but they will keep raising the price until you’re paying about double what you registered for ($35).

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jackie - We truly appreciate that you have been a valued member of the Healthy Paws family since 2015 and that we have been able to play a part in making sure your baby has access to the best available medical care. As we covered in a previous review on this site earlier this week, we understand no one likes any form of premium increase and that this increase was larger than usual. Our management team works hard to keep our premiums as low as possible while still providing comprehensive coverage. New technology, advancements in veterinary treatments, and overall claim costs are taken into consideration when assessing our rates. Premiums are determined based on the rates and rating rules filed and approved within each state’s Department of Insurance. These reflect the cost of treatment, advances in veterinary medicine, your individual pet’s breed, gender, age and other factors, in addition to the overall claims experience for the program within the region your pet resides. As a result, we need to increase the premium level for all pets in your state so you and your pet can have continued access to the best veterinary care. Rest assured, we will never penalize you with higher rates for making claims. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of veterinary care. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website. Please give your furbaby a big hug from us.
roberto.roffo

2/25/2020
Healthy paws is by far the best pet insurance I’ve ever had. The people are friendly and they truly care. The process of filing a claim and receiving payment is as easy as could be. I have a Weimarner that works hard and plays hard. I would never consider having a dog without healthy paws backing me up.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
roberto.roffo - Thank you for the kind words regarding Healthy Paws super easy claims process and amazing customer service team members. We truly care about each and every furbaby enrolled with Healthy Paws and it is our goal to ensure that our family members can always afford the very best veterinary medical care fo their pets. Please give your pup a big hug from us!
Sharon A

2/25/2020
My pup is 7 months old and met the 15 day waiting period. 7 days later she went into liver failure. She spent 5 days in ICU. I thought for sure no way will Healthy Paws cover this. Well thank the stars I was wrong. We paid our 250 deductible and got back over 4000.00 dollars all totaled it cost approximately 800 out of pocket. They did not make any excuses. They looked at medical records 2 vets. Then paid the claims. My pup will need follow up blood work to continue treatments but I have no worries. I have my other dog on Embrace and they are good too but I give Healthy Paws a great big five stars. Do not think twice this place rocks.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sharon - We are so sorry to hear about your pup's major liver issues and recent hospitalization. That must have been a very scary situation. We are so happy to hear she is feeling so much better now. Thank you so much for taking the time to share your story and for all the kind words. Please give your sweet pets 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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