Healthy Paws Pet Insurance Review

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.

Rating: 9.8 / 10 (Excellent)
872 Customer Reviews - see all reviews
Disclosure: We receive advertising revenue from this partner. Learn more.

How is Healthy Paws rated?

Breakdown

9/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement
10/10
Claims and Service
10/10
Pricing
10/10
Enrollment

Overall Rating: 9.8 / 10 (Excellent)

Healthy Paws consistently ranks highly across all of our ranking factors. The company offers solid, comprehensive coverage with no caps of any kind. They reimburse you on the cost of your actual vet bill and there is no limit as to for what and how many claims you can make. Healthy Paws provides all of this at a price the same as, or even lower than less comprehensive plans.

Company Profile

Full Name
Healthy Paws Pet Insurance
Year Founded
2009
BBB Rating
A
Underwriter
The Chubb Group
Moody's Financial Rating
Aa3
Standard & Poor's Financial Rating Financial Rating
NR
AM Best Financial Rating
A++
Company Website
Headquarters
1229 120th Ave NE Ste C, Bellevue, WA, 98105
Mailing Address
P.O. Box 50034, Bellevue, WA, 98105

Healthy Paws Coverage

Coverage Specifics

Pets Covered
Dogs
Cats
Coverage Types
Medical
Vet Selection
Unrestricted
Out of State Coverage
Commercial Pets Covered

Coverage - 9 / 10

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.

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
  • Behavioral Therapy

Benefit Limits

Specifics

Benefit Limit Types
Unlimited

Benefit Limits - 10 / 10

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 of only 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 (i.e. not a pre existing condition) there is no limit to what the company will pay to make your animal well. For example, 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.

Deductibles

Key Facts

Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$500

Deductibles - 10 / 10

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. Obviously if you go with the $100 deductible you'll get a higher payout per incident, but you are going to be paying a higher monthly premium as well.

Reimbursements

Key Facts

Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
70%
Maximum Percent Reimbursement
90%

Reimbursement - 10 / 10

As with deductibles, Healthy Paws is in line with the industries 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.

Claims & Service

Key Considerations

Advertised Response Time
3 days
Claim Form
Email
Fax
Online Portal
Mobile App

Claims and Service - 10 / 10

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 and 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. Claims are generally processed within a few days.

Pricing: How much does Healthy Paws cost?

Starting Monthly Premiums

Dogs
$32.83
Cats
$17.19
Rate Details: Annual Deductible: $500, Benefit Cap: Annual & Unlimited, Reimbursement Model: 70% of Annual Cost

Pricing - 10 / 10

Considering no limits of any kind, and the customizable payout percentages and deductibles, Healthy Paws plans are reasonably priced and even cheaper than less substantial plans. What's more, the company also offers a host of discounts, including special rates for members of AARP, AAA, and Costco.
Available Discounts: 10% Lifetime Discount for Animal Welfare Volunteers, 10% Lifetime Discount for Association or Alumni Organizations, 10% Lifetime Discount for Membership Groups such as AAA, AARP, and Costco, 15% Lifetime Discount for Employer Sponsored Plans, 10% Lifetime Discount for Military Service

Enrollment

Enrollment Age & Waiting Periods

Min Enrollment Age
8 weeks
Max Enrollment Age
13 years
Accident Waiting Period
15 days
Illnesses Waiting Period
15 days
Free Look Period
30 days

Enrollment - 10 / 10

Healthy Paws enrolls pets 8 weeks and older. While some companies have no upper age enrollment restrictions, Healthy Paws limits coverage to 13 years old and younger. Similarly, where some companies offer accident coverage almost immediately, Healthy Paws has 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.
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Latest Reviews

9.6
Based on customer reviews
872 Reviews
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Larry W
Laguna Woods, California
6/26/2017
Thanks for your concerns for our Sofie. After her surgery to remove large stones from her bladder It took less than two weeks to receive a check from you for $1800.00. Thanks for your quick service. I am so glad we used you for our pet insurance. Larry Wolf

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arianna
Brooklyn, New York
6/25/2017
Without Healthy Paws, we would not be able to give the best care that our problematic frenchie needs. His problems range from allergies, knee problems, and breathing problems, but thanks to Healthy Paws, we are able to see the best doctors and specialists so that we can continue to have best quality of life we can provide him with. Healthy Paws has processed countless claims for us quickly, both on a consistent monthly basis for our dogs prescription medication, and for large emergency claims like surgery. Lastly, their customer service representatives are always helpful and courteous, and genuinely care about your pet. I don't know how we could have financially supported this dog with the... Read More

Jack C
Fort Collins, Colorado
6/25/2017
I was skeptical of pet insurance. When we adopted our dog Abby, she came with a packet on insurance from Healthy Paws for a reasonable monthly charge. After losing our previous pet to cancer, and since i could cancel the policy at any time, I tried it. I have made at least 4 Vet claims for Abby since then. The process worked exactly as advertised. Explanation of Claims are emailed and are clear, concise, and understandable. My last claim was for surgery amounting to $2,895.51. $118 for an exam charge was not covered, but $2,777.51 was. My check arrived 7 days after Abby's surgery! If only Human Insurance was this easy and straightforward! We couldn't be more pleased with Healthy... Read More

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Wendy l
Far Rockaway, New York
6/25/2017
I registered my 2 dogs with Healthy Paws 4 years ago and continue to be satisfied and impressed with the service and speed of Healthy Paws. Just 2 weeks ago, one of my dogs Brobee experienced bloat also known as GDV. Emergency surgery was required and the operation would not be scheduled until payment was made. Healthy Paws confirmed coverage and made a direct payment to the Animal Hospital. With 90% coverage, I only had to cover approx $600 of this $6000 procedure. Other pet owners at the hospital without Healthy Paws had to pay in full and wait weeks for reimbursement from their insurance provider. I raved about Healthy Paws and hope some of them are able to switch. I tell all my friends... Read More

Lani
San Diego, California
6/25/2017
My German Shepherd, Carly, was diognosed with cancer in March of 2016. Healthy Paws has afforded me access to the most experienced specialists available. It's been a long difficult road. But after 15 months I see glimpses of her former happy go lucky self. I cold never express how grateful I am for the support Healthy Paws has provided.

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S. M
Bedford, New York
6/24/2017
I have had several different insurance policies for my rescued doggies in the past and was never really satisfied. This is the very first time that I opted to choose Healthy Paws and it's by far the best decision I've ever made. I recently adopted a little 5-lb pup from a kill shelter and shortly thereafter he developed an eye problem that threatened his vision. Urgent surgery was recommended to save what vision he had, and Healthy Paws came to the rescue. After satisfying my deductible, Healthy Paws reimbursed 80% of my costs, and did so in a very efficient, professional and courteous manner. The client reps have been helpful with suggestions, are evidently very knowledgeable about what... Read More

Mia S
Silver Spring, Maryland
6/24/2017
I have been a Healthy Paws customer for 4 years, soon after we got our dog Jefe. Submitting claims to Healthy Paws is a breeze, it's so convenient to submit via the mobile app. And I usually hear back within a couple days. Just recently Jefe had a serious abdominal surgery and it was reassuring to know that all of his medical expenses would be covered. In the end, we only owed a fraction of the total cost thanks to our policy with Healthy Paws.

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Donna
Cutchogue, New York
6/24/2017
Hi, I would just like to say that you are a great company. Your customer service is exceptional. Everyone is so friendly and cooperative, and your website is awesome. Claims are so easy to file, and reimbursement is very quick. I'm so glad that I changed my insurance provider once I read the shining reviews for Healthy Paws. Keep up the good work. Donna and "Bruno"?

Patricia P
Hamburg, Pennsylvania
6/23/2017
Thank you so much for asking how Layla is feeling. It has been a week since her surgery and every day I see her getting a bit better. Next Thursday she has an appointment with Dr. Schwab to check on her and get her staples out. I think after the staples come out we start a program to get her physically active again. Layla is a great companion and we love her so much and feel so fortunate that we can give her the best of care there is to offer. Healthy Paws helped to make this possible. You know we submitted Layla's paperwork to Healthy Paws on a Saturday evening at around 9 PM. We received the approval for coverage payment from Healthy Paws Sunday, the next... Read More

Kimberly P
San Diego, California
6/21/2017
I ensured my pit bull, Aso, with Healthy Paws in November 2016. He ended up tearing both ACL's and needed surgery. We struggled to find a way to pay for his surgery but we were finally able to get two credit cards approved for his Bilateral TPLO surgery on May 17, 2017. I filed a claim soon after, and as soon as they received all the medical records and surgery records, they sent out checks for the surgery and the medication he needed!! They covered 80% of the cost and it was quick and easy to file the claim. Healthy Paws is the best pet insurance company out there as far as I'm concerned. They also emailed me to check on Aso to see how he was doing. They genuinely care about our furry... Read More

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