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)
800 Customer Reviews - see all reviews
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How is Healthy Paws rated?

Breakdown

9/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement Models
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++
Headquarters
1229 120th Ave NE Ste C, Bellevue, WA, 98105
Mailing Address
P.O. Box 50034, Bellevue, WA, 98105

Healthy Paws Pet Insurance Coverage

Coverage Specifics

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

Coverage Rating - 9.0 / 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 Rating - 10.0 / 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 Rating - 10.0 / 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 Models Rating - 10.0 / 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 Rating - 10.0 / 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 Pet Insurance 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 Rating - 10.0 / 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 Rating - 10.0 / 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

9.56
Based on customer reviews
800 Reviews
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Mary H
Denver, Colorado
5/30/2017
My Golden Retriever pup had terrible anal gland problems. Every month from 9 months to 17 months he had to go in to the vet to get them expressed. During this time, he also developed three infections in the glands, which required medical infusions. At this point, my Vet felt a Bilateral Anal Sacculectomy was necessary to avoid the glands becoming abscessed. During this whole ordeal, Healthy Paws was completely supportive. Receipts turned in were promptly assessed, and a check was sent. During this time Healthy Paws never question my Vet's actions. More amazingly, after every thing, they contacted me and told me how happy they were to know my dog was recovering and that he was fine. I... Read More

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Karen
New York, New York
5/29/2017
We couldn't be happier! Getting Healthy Paws was the best decision we made.

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Maryanne
5/29/2017
Healthy Paws is amazing! Our rescue dog, Nacho, needed eye surgery for a cataract that was causing him to become blind. He is only 2 years old. I was not sure if any of it would be covered, but thankfully 90% was covered. I submitted the claim on Monday and had a check by Saturday! Our last rescue dog was 4 years old and developed bone cancer. We had another pet insurance carrier. It would take 1-2 months to get each claim resolved. On top of a speedy resolution, they contacted us a week later via e-mail to see how Nacho was doing. What a thoughtful thing to do! I am happy to say that he is doing pretty well. I can not say enough about Healthy Paws. They are very... Read More

Jillian R
Brooklyn, New York
5/28/2017
Thank God for HealthyPaws. We had friends tell us to get health insurance for our pup, and laughed it off -- after all, he was barely 4 months, what could go wrong? 2 days after our waiting period ended, we discovered that Gunther (french bulldog puppy) was dragging his paws, indicating neurological dysfunction. After a $2,000 MRI, we realized the only option was a $6,000 surgery to save him from a cyst that had developed on his spine. This $8,000 doesn't include the probably $1,500 worth of in-between appointments and $500 worth of therapeutic toys and medication we ended up cashing in on during the entire process. I can honestly say we probably couldn't have provided him with... Read More

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Kristen
Riverside, Rhode Island
5/27/2017
Healthy Paws Pet Insurance has been better than we could have ever imagined. Any claims we submit are processed quickly and reimbursement is sent out immediately. We have never had any issues with Healthy Paws and are so thankful we chose this company to help keep our dog healthy without the stress of wondering how we will pay to give him the medical attention he may need. Thank you Healthy Paws Pet Insurance!!

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Deborah G
Buffalo, New York
5/27/2017
Healthy Paws is the best health insurance for animals you can ever get not only do they pay you immediately they check on your dogs and they actually really care!!!! When you do put a claim in they don't make you feel bad they're there and they help you every way they can.Getting Healthy Paws for my dogs was the best ever!!!

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Chad R
Winter Garden, Florida
5/26/2017
I can’t say enough good things about our Healthy Paws experience! Unfortunately our young shepherd didn’t make it through a fast moving bout with encephalitis, as we racked up over $4000 of vet bills over a period of 3 days. Healthy Paws honored everything their plan says it covers and they did it in a very expedient manner. Each claim we submitted, they processed within 24 hours and we received our checks within a week. Also, when they noticed on one of our claims that our pet had to be euthanized, they automatically closed his policy and sent a personalized condolences note along with well wishes for our other dog. In reading some of the negative reviews given to Healthy Paws,... Read More

Alan P
Valencia, California
5/25/2017
Excellent insurance company for your pet insurance. They pay your claims with no hassle. They do not try to find excuses to reduce payments based on "exclusions" as I have experienced with other insurance companies. They follow up to see how your pet did with its illness. If you signed up, for instance, to get 90% reimbursement on your claims, you will get the 90% reimbursement that they promised you when you signed up. I like this company!

Corinne S
Burlington, Massachusetts
5/24/2017
Healthy Paws has processed our claims quickly, efficiently, and 100% in line with our agreement. Their app is easy to use, they send reimbursements in a timely fashion, and a customer service rep even reached out to check in on us to make sure all was ok when our dog was sick. A+!

Mark B
Miami Beach, Florida
5/24/2017
When we were preparing to get our new puppy in December my wife suggested that we look into dog health insurance, because we have had so many friends over the years that had dogs get sick or hurt and and up with large medical bills. So I searched online and talked to other owners. After looking over all the information and talking to several companies Healthy Paws to me was clearly the best. Then about three weeks ago our dog hit a pole while running and broke his leg and knee. I used the healthy paws app to file a claim, which was easy before I even left the vets office. Next thing I know a couple of days later the charges were approved and I received a check for over $2500. It was so... Read More

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