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Healthy Paws Pet Insurance Review

3,292 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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3292 Customer Comments & Reviews

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mcdillbonita

11/29/2019
I am so grateful I decided to get pet insurance for my sweet dog Ruby. She is only three years old and has cancer. Healthy Paws has reimbursed me for her surgery to remove the tumor. My cost was $3886 and I was reimbursed $3107. This is such a tremendous financial help so I can focus on getting Ruby the care she needs to fight this cancer. This truly is the best decision I made to help care for my sweet girl Ruby.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
mcdillbonita - We are so sorry to hear about Ruby's recent major growth removal surgery and cancer diagnosis. As pet parents ourselves we understand how stressful it is when one of our pets is sick but having Healthy Paws pet insurance allows pet parents to provide the best medical care possible without worrying about the cost. Thank you for the kind words and for taking the time to write your review. Please give sweet Ruby a big hug from us!
T
Traci S

11/26/2019
My beloved pup has some very challenging, ongoing health issues, and Healthy Paws has enabled me to give him the level of care he needs, which includes multiple daily medications and regular visits to the vet. On this journey, Healthy Paws has been more than an insurance company. This is a team of people that truly care about the animals and people they serve. They are prompt, responsive and compassionate, they offer fantastic coverage, and their app and website make submitting claims incredibly easy. I can't say enough about this company!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Traci - We are so sorry to hear about your pup's ongoing health issues and totally understand how stressful it can be to have a sick pet. Having pet insurance allows us pet parents to focus on the health of our pets rather than the financial aspect so we can always give them the best medical care possible. Thank you for all the kind words and for taking the time to write your review. 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 pup another big hug from us!
G
G J

11/26/2019
Healthy Paws has been consistently transparent in claim processing. Website easy to use and submitting claims for our dog is easy. Wish Human insurance products were as easy to use and efficient as Healthy Paws

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
G J - Thank you for taking the time to write your review and for the kind words regarding our easy claims process. Please give your pet a big hug from us!
E
Elisabeth

11/26/2019
I have a 9 year old Havanese, Shu Shu Fontana, who is my heart and soul. For quite a few years now I have insured her with Healthy Paws, and I'm ever so grateful I did. A few years back she was diagnosed with lymphangiectasia, which required some emergency interventions, along with ongoing acupuncture and medication. What a relief to know she would be covered by Healthy Paws policy! While sorting out how to get her well I didn't have to worry about financial stress for these expensive interventions. Additionally Healthy Paws customer service folks are the absolute best! They are caring and competent and don't add to my worry. I wish we had a human version of Healthy Paws insurance! Not... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Elisabeth - Thank you so much for all the kind words regarding our amazing customer service and comprehensive lifetime coverage. We take great pride in being caring and empathetic with all of our pet parents, especially when one of their furbabies is sick or injured. Although we are sorry to hear about Shu Shu's ongoing lymphangiectasia issues, we are so glad we can continue to help when you need it the most. Please give all of your furbabies a big hug from us!
sandy5280

11/25/2019
Getting Healthy Paws pet insurance was one of the smartest things I ever did. My dog, Lad, had an intestinal blockage. After the surgery to remove the blockage, the incision got infected. Twenty days and thousands of dollars later, he’s almost back to his old self. I got my Healthy Paws policy about two months ago. The company has been efficient, courteous, and easy to use. They’ve personally contacted me several times to check on Lad’s progress. I was concerned about how much this all cost, but with Healthy Paws insurance, I was able to worry a little bit less about that part of it.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
sandy5280 - We are so sorry to hear about Lad's major intestinal blockage issues and about the infection he then had to fight. Poor guy. We hope he is feeling much better now. Having a sick or injured pet can be very scary and stressful which is why having pet insurance for our furry friends is so important. Thank you so much for the kind words about our courteous and efficient staff. Please give Lad one more great big hug from us!
Syreece M

11/25/2019
Our dog needed extensive surgery to correct his painful dislocated knees and torn ligaments. The raw cost was very high but Healthy Paws covered 80% and made it possible.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Syreece - We are sorry to hear about your pup's recent major leg surgery. We hope his recovery is going smoothly. Thank you for the kind words regarding our comprehensive coverage. Please give your pup a big hug from us!
T
Tiffany P

11/25/2019
Healthy Paws Pet Insurance has been a true blessing !! Putting in a claim is easy as can be. They are super fast to review it and get a check out right away.. They are professional, kind and truly care about your pet !! This is the only Pet Insurance Co. I trust. To anyone out there interested in Pet Insurance, this is the company to go with !! I promise you will not be disappointed !! Thank you so much Healthy Paws !! We love you !!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tiffany - Thank you so much for all the kind words regarding our super easy claims and reimbursement process. We take great pride in making the claims process so easy and straightforward so that our pet parents can focus on what really matters, taking care of their pets! Please give your furry friend another hug from us!
agehrke

11/25/2019
Quick payments and friendly staff. What they cover is clear and I feel they provide good value.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
agehrke - Thank you for the kind words and for taking the time to write your review. Please give your furry friend a big hug from us!
niduna

11/25/2019
Our french bulldog Gus needed emergency spine surgery due to a ruptured disk. Healthy paws worked with our neurologist and hospital to get the payment straight to them so we didn't have to pay funds upfront. It was such a stressful time for us and Healthy Paws made it so much easier and helped keep our focus with Gus instead of the financial paperwork. Healthy Paws also checked in with us on how Gus was doing and these little things are why we will never change our insurance!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
niduna- We are so sorry to hear about your Frenchie's recent emergency back surgery. Hopefully, Gus is feeling much better now. Thank you so much for the kind words and for taking the time to write your review. It's folks like you who are helping to raise awareness about the importance of having pet insurance to protect our furry friends. Please give Gus a big hug from us!
Holly F

11/25/2019
The best pet insurance ever. So helpful and they even sent me an email to check on my dog after her surgery. I would highly recommend Healthy Paws. Having this insurance has saved both of my dogs lives.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Holley - Thank you for the kind words. We are so happy that we have been able to cover and protect both of your sweet pups. Please give both of them 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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