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)
920 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.

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

Reimbursement & Maximum Benefit Limits

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.

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.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
70%
Maximum Percent Reimbursement
90%
Benefit Limit Types
Unlimited

Claims, Service, & Deductibles

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.

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.
Advertised Response Time
3 days
Claim Form
Email
Fax
Online Portal
Mobile App
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$500

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.

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
Start your review for Healthy Paws Pet Insurance

Latest Reviews

9.61
Based on customer reviews
920 Reviews
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Darlene C
Perris, California
7/19/2017
We have had Healthy Paws Pet Insurance on our two dogs, Luke and Levi for approximately 3 1/2 years and 3 years . Levi has been insured since he was maybe 6 months old. I searched around different companies and felt Healthy Paws to be the best. Recently our Golden, Levi, decided to chew on something and as a result punctured his lower intestine. He required immediate surgery or we would have lost him. If not for Healthy Paws we very possibly may have been paying for several years. Because of the ofour claim being processed we were able to pay the bills and get Levi back home. Healthy Paws has continued to show concern and check upon Levi well after the claim was paid. We appreciate... Read More

Dana H
Portland, Oregon
7/18/2017
Healthy Paws Pet Insurance may be the only insurance company that I've encountered where the people on the other side of the insurance claim actually care. Recently I had to file a very large claim after our dog had severe intestinal issues. My dog had exploratory surgery during a five-day hospital stay, and when we brought our dog home, the vet only gave him a 50/50 chance. As soon as I knew our dog would live, I filed the claim. I was very relieved at how simple it was to file the claim and pleasantly surprised that Healthy Paws contacted me on two different occasions just to check on how our dog was doing. Healthy Paws doesn't cover all the routine maintenance bills for vaccinations,... Read More

K
Kathleen F
Brooklyn, New York
7/18/2017
Healthy Paws is an absolute lifesaver. Thankfully I acquired health insurance for my now three year old Boston Terrier, George, when he was 10 weeks old because we've had some health problems since that would have imposed devastating financial demands in the absence of their Healthy Paws' coverage. They don't hide their annual deductible, and it's incredibly reasonable. All I have to do is take a photograph of the receipt through their app and submit it as a claim, and reliably they return a check within a few days to reimburse me for 80% of the coverage. I could not be happier with this company, and often brag about the fact that my dog has far better health insurance than I do.

A
annie
Napa, California
7/18/2017
We purchased our first pet insurance for our third Corgi, not because we had particular problems before but it just seemed like it could be handy. Before he was even 3 months old we were faced with an ingested toy that needed to be gastrically removed. Healthy Paws to the rescue! Within our first year of puppyhood, our poor guy also had a hernia surgery and a second "foreign body" removal while he was with our pet sitter. Holy heck we've been glad to have Healthy Paws. They are quick to process claims for reimbursement and I love that you can upload invoices and check on claims directly via their app. The only reason I'm not giving them a full 5 stars is that we did have a direct... Read More

Monika F
Matawan, New Jersey
7/18/2017
Healthy Paws is very reliable. The claims are very easy to send in if you download their app. ( that's the only way I did). The premium is reasonable as well, although I really wish they offer a plan where the office visit itself would be covered as well.

J
Jeff G
Simi Valley, California
7/17/2017
This is the best pet insurance ever!!! They have a very simple online process to submit a claim, pay on time and pay what their policy says they will pay. Our 3 year old puppy needed knee surgery, it was a real comfort knowing we were covered and could get her the care she needed. Worth every penny. I recommend this to all my friends and family.

G
Gloria
Toms River, New Jersey
7/17/2017
Please healthy paws was the worst pet insurance company I've dealt with

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Gloria - We’re never happy when we have to deny a claim for a client. We use a pet's medical records and notes written by the attending veterinarian to determine if there are any pre-existing conditions which would keep us from approving a claim. Unfortunately, we could not cover your pet’s illness since the signs/symptoms of your pet’s current condition were first noted by your veterinarian in your policy’s fifteen day waiting period. The majority of pet insurance companies have some sort of waiting period before coverage actually begins. Healthy Paws is very transparent about our waiting period on our website, in the policy documents that are in each client’s online account and during the enrollment process. We’re sorry your baby was ill and hope he is doing better.
D
Deborah
Sarasota, Florida
7/17/2017
Healthy Paws Pet Insurance has been wonderful. My 17.8 year old Bichon Frise needed spine surgery in May 2017. Healthy Paws they didn't hesitate in providing coverage. Not only did they reimburse me promptly, but their customer service is wonderful -- kind and courteous. They even followed up with me to see how Cody was doing. Their coverage is very generous. I recommend them to every pet owner I talk to. If and when we decide to adopt another dog in the future, I won't hesitate to use Healthy Paws again. Honestly, I haven't experienced one "con" with this company. I would sign up on day one.

M
Mirin W
Whittier, California
7/17/2017
My dog Lovey was bitten by a loose dog last January and we couldn't locate the owner. We have no insurance then and it costed us almost two thousand dollars. My vet recommended us a list of insurance companies and we picked Healthy Paws and insured Lovey since March. Last month, I noticed Lovey was favoring her right leg. Took Lovey to her regular vet and then was referred to see a bone and joint specialist. She was diagnosed with medial patellar luxation with associated excessive distal femoral - layman term dislocated knee cap and misaligned femur! Poor baby so unlucky! She needed major surgery to correct the problems. We are so lucky to have Healthy Paws as our insurance carrier,... Read More

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Jeanne R
Wayne, Pennsylvania
7/16/2017
Simply the best! They've paid both minor claims (oral antibiotics) & major claims (knee surgery) incredibly quickly. I've found submitting the claims takes only a few minutes and they always send a follow-up e-mail to see how my dog is doing. Having encountered the high cost of cancer treatment for several other pets, I decided to look into health insurance for Winnie when I adopted her at one year of age. It's now almost 4 years later and her premium has only minimally increased. With the cost of veterinary procedures climbing (her knee PTLO and associated charges ran close to $6K), I'm incredibly glad to have purchased a Healthy Paws policy for her. My only regret is that they... Read More

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