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Healthy Paws Pet Insurance Review

3,352 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 Do We Rate Healthy Paws?

Breakdown

4.5/5
Coverage
5.0/5
Cost
5.0/5
Extras

Our Overall Rating: 4.8 / 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 - 5 / 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 - 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 - 5 / 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 - 5 / 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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3352 Customer Comments & Reviews

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M
Miho S

6/30/2025
I have had Healthy Paws Pet Insurance for almost-8 year old Shih Tzu since he was 3 months old. Unfortunately, I have had to submit several claims in the past related to illnesses he experienced. Fortunately because of having the Healthy Paws Pet Insurance, I have been able to choose the best treatment options for him without worrying too much about the actual costs of treatments. Recently, my dog had to have a procedure done to remove bladder stones. After submitting a claim following the procedure, I received the reimbursement very fast. Even though he will need ongoing check up and treatment, I feel very supported because of having the pet insurance.

lynn

6/23/2025
My dog recently went through not one, but two TPLO surgeries, and I honestly don’t know what I would have done without Healthy Paws. From start to finish, they’ve been amazing. 🐕❤️ The reimbursement process couldn’t be easier... seriously. I just uploaded a photo of the vet receipt through their app, and boom, that was it. No complicated forms, no long wait times, no hassle. The app is super intuitive and user-friendly, which made a stressful time so much easier to manage. Most importantly, I felt like my dog was truly taken care of. Healthy Paws made it possible for me to give her the care she needed without worrying about the cost. That kind of peace of mind is priceless. Highly... Read More

N
Nicky

6/12/2025
I can not sing the praises of Healthy Paws enough. I have been with them for 7 years and am amazed daily by what a great company they are (considering the reputation most insurance companies have.) They review claims quickly, fairly and reimburse you for benefits in a matter of days straight to your bank account. The scope of what they cover is impressive and the yearly increase in their premiums has always been fair and reasonable. I left them briefly a few years back based on big promises made by a competing insurance company. It was a terrible experience. Their competitor took forever to review our claim and in the end came back and covered almost nothing. I came back to Healthy... Read More

nancyrinehart00

6/9/2025
I have been with healthypaws for 11 years. Throughout my dog's life, Millie has gone through two CCL surgeries and most recently surgery to remove some masses from her liver. Each time, healthypaws was caring and provided coverage without any hassle. I am so glad I went with them so many years ago.

J
Jeannette S

5/22/2025
I have been with Healthy Paws for nine years and it was one of the best decisions I have ever made. Healthy Paws is rated one of the top pet health insurance plans and I am a testament to how incredible they are. Like all pet owners, my furry babies are part of our family and when they are sick or in health crisis, it is a horrible experience for the family. Having Healthy Paws in our lives ensures us peace of mind, as they provide the financial support that is one less burden to bear in critical moments. Most recently, one of our little angels was in peril and we needed to act quickly. The cost was going to be immense but we did not even think twice and acted quickly because Healthy... Read More

D
Diane

5/20/2025
I insured Bell Grace when she was a puppy. I did not expect to have to use the insurance until she was older, but she has had to have Cherry Eye Surgery and CCL surgery on both legs. Healthy Paws has been excellent with my claims. I generally receive payment within a few days of my submitting my invoices. If I have to call Healthy Paws I am always able to speak with someone that is knowledgeable and able to assist with my concerns. Purchase this insurance was a very good decision.

craigpotaracke

5/13/2025
We were pleasantly surprised at the timeliness and amount HP reimbursed us for our dog's knee surgery. We have a long road of recovery/rehabilitation and hope HP will keep helping ease that financial burden.

toorandyus69

5/12/2025
You never want to have to use this insurance, but it REALLY is one of the best plans when your pet needs care! There's no concern about the cost of vet care, you can focus on making the best medical decision for your little love bug! Our little big man Barney needed eye surgery to repair "cherry eye" and HealthyPaws was exceptionally prompt with reimbursement and expressed much care and concern for the well-being and recovery of our sweet boy! It just doesn't get any better than this!

hnagayama1

5/4/2025
I have had the Healthy Paws for three of my dogs. One of them, Spike had many health issues at the end of his life, and he was hospitalized a few times. In California, the vet cost is ridiculously high. When Spike was hospitalized, it cost almost $4K per stay - and it was almost 5 years ago. It would have been very difficult for me to provide with Spike with necessary medical care without Healthy Paws. Jake had two major surgeries twice in 6 months. Each of them cost almost $10K in total, and Healthy Paws covered most of the cost. Needless to say, I was so grateful. It is just ridiculous how expensive the vet care is in California. Unless you are very healthy, you won't be able to afford... Read More

B
Brittaney

4/26/2025
Deciding to get Healthy Paws was probably the best decision I’ve ever made. My sweet pup, Lotus, has had many health issues and Healthy Paws has made it easy. They send get well wishes, pay me back quickly for our vet bills, and have covered everything without any questions. I highly recommend Healthy Paws.

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Rated "Best Choice Overall" by Mashable

  • No Maximum Annual or Lifetime Payouts
  • No Enrollment or Administrative Fees
  • Most Claims are Processed in 2 Days
  • Trusted by More than 625,000 Parents
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