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)
994 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.

Contact & Additional Information

Contact Info

Homepage URL
Company Phone
(855) 898-8991
Headquarters Address
1229 120th Ave NE Ste C, Bellevue, WA, 98105
Mailing Address
P.O. Box 50034, Bellevue, WA, 98105
Year Founded
2009

Financial Information & Reviews

Underwriter
The Chubb Group
Standard & Poor's Financial Rating
NR
Moody's Financial Rating
Aa3
AM Best Financial Rating
A++
Trust Pilot Rating
9.6 out of 10
BBB Rating
A
Number of BBB Positive Reviews
6
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
13
Date Collected
2017-08-17
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Latest Reviews

9.63
Based on customer reviews
994 Reviews
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Anja S
Galveston, Texas
8/22/2017
Healthy Paws has been a life saver for my cat Peeta! Peeta had to have emergency surgery, multiple blood transfusions, x-rays, ultrasounds and a feeding tube for a traumatic injury. He fought for his life for a week, but is making a full recovery now because we were able to get him the best health care possible. Healthy Paws was there for us, from the first panicked phone call I made throughout the whole ordeal. My claims were processed quickly and we were all very touched when Peeta received a hand-written get-well card from the entire team. If you love your pet, get Healthy Paws!

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Sanjay S
West Hartford, Connecticut
8/22/2017
I have Healthy Paws Pet Insurance for about almost 4 years now and I could not be happier to have them for when I need them for my dog Piper's health care needs. I have had to file claims twice once for a minor ailment and for CCL (ACL) surgery. The latter was a major (and expensive) surgery for Piper. And although I had forgotten to send them her updated medical history (which is subsequently did), they quickly and provisionally approved my claim and the reimbursement was made within 11 business days of making the claim. PROS: The claim process is easy, no forms to fill, easy online upload. Claim response is speedy, Customer Service is excellent (a follow up email to ask how Piper... Read More

Diana K
Las Vegas, Nevada
8/22/2017
Can't say enough good things about this company,its product/service or its employees. 5 star through and through i highly recommend (and would never have another pet without it) getting this insurance. Thanks to Healthy Paws my dog was able to receive the best of care without cost being a concern My dog actually had better health insurance than I do!!

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Molly M
Irvine, California
8/21/2017
Healthy Paws has been so great. My puppy, Luther, got very sick with some intestinal issues and without insurance I would not have been able to afford all of the billings that were racking up. Now Luther will have to continue to be on expensive medicine and Healthy Paws makes this manageable. I have been able to call into Healthy Paws and make sure that procedures are covered and everyone I speak with is so helpful and nice. They even email to check in on Luther. Can't imagine not having Healthy Paws!

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Casey
Greeley, Colorado
8/21/2017
I adopted a rescue and immediately got some pet insurance through HealthyPaws. I'm so glad I did. I had the insurance for less than a month and had to submit a claim for emergency surgery. My dog Stella is safe and healthy now, and I definitely feel more at peace knowing I have the support of Healthy paws.

Sydney G
Danvers, Massachusetts
8/20/2017
We are so very happy with Healthy Paws Pet Insurance. Our precious French Bull Dog suddenly developed a back problem that required an MRI and surgery for a left sided hemilaminectomy. He had developed a disc herniation causing spinal cord compression - also known as intervertebral disc disease. He received the best medical care at Cummings Veterinary Medical Center at Tufts University. When I received the bills for his treatments, I simply used the Healthy Paws app on my phone, took a photo of the bill, and uploaded it. Within 10 days, Healthy Paws reviewed the bills and provided us the reimbursement appropriate to our plan. We also received emails from Healthy Paws asking how... Read More

Shereen H
8/20/2017
I have two rescues. Scrappy we adopted in 2013, he was 1 and a half, and Baloo we adopted in 2014 and was between 2-5yrs old. Scrappy ended up testing heartworm positive in December 2013, despite having a clean bill of health from the rescue and being on heartworm prevention since we adopted him. Baloo is not an extremely sporty dog, but my Scrappy chases him around for 8hrs a day to make sure he gets tons of exercise. We recently noticed him limping, after x-rays and an exam that he needed to be sedated to have done, he was diagnosed with a torn CCL. Thanks to healthy paws, both my boys were able to receive the treatment they required, including multiple night hospital stays... Read More

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amy.wlms
Phoenix, Arizona
8/19/2017
My puppy had to be rushed to the emergency vet due to ingesting something toxic. After a gastrointestinal surgery and 48 hour stint in the hospital, we were worried to see the total bill. We knew we had accident insurance but weren't positive on what would be covered considering the experiences we have had in the past with insurance companies. We submitted the claim on a Sunday via the healthy paws app and heard back immediately that they were processing the claim. The claim was accepted less than 48 hours later and we received a check in the mail a few days later for exactly what they had promised they would cover. We even received a personalized email during the course of that week... Read More

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Tina R
South Hamilton, Massachusetts
8/17/2017
We recently went through two back-to-back emergency surgeries with our young puppy and Healthy Paws was not only highly responsive with our claim, they followed up personally to make sure she was doing ok in her recovery. The Healthy Paws app made it easy for me to snap a picture of our vet bills, click 'submit claim', and initiate the process right from my phone. Once submitted, I received an email right away telling me our claim was being reviewed and another only a few days later detailing the amount we would be reimbursed based on our plan - no hassles, no questions asked. It was difficult enough dealing with a sick pet and trusting that someone had our back financially was a huge... Read More

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Mark
Orange, California
8/16/2017
Healthy Paws! You all need to know the sense of both relief and confidence you have infused into our decision to have our Choc Lab Duke, protected by Healthy Paws. He started favoring his right leg at about 6 months old after exercise or play times. Unfortunately like other large breeds, it was confirmed Elbow Dysplasia after x-rays and then seeing a Specialist. We thought we were going to be "poop" out of luck staring at an enormous bill. See, we had been down this familiar road before with our previous forever dog... But your company restored our faith in how it should work. The claims notice we just received is just one example, not just because Duke was covered, but the... Read More

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