Healthy Paws Pet Insurance Review

Rating: 9.8 / 10 (Excellent)
1,412 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.

How is Healthy Paws rated?


Benefit Limits
Claims and Service

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 - 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.
Pets Covered
Coverage Types
Vet Selection
Out-of-State Coverage
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 - 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.
Benefit Limit Types

Reimbursement & Deductibles

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.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement

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.
Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does Healthy Paws 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.

Starting Monthly Premiums

Rate Details: Annual Deductible: $500, Benefit Cap: Annual & Unlimited, Reimbursement Model: 70% of Annual Cost
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 & Waiting Periods

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.
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

Claims & Service

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.
Advertised Response Time
Claim Form
Online Portal
Mobile App

Contact & Additional Information

Homepage URL
Headquarters Address
1229 120th Ave NE Ste C, Bellevue, WA, 98105
Mailing Address
P.O. Box 50034, Bellevue, WA, 98105
Year Founded

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1412 Customer Comments & Reviews

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Chicago, Illinois

Healthy Paws definitely deserves a 5 Starr rating. They respond quickly and professionally with questions regarding claims. My Newfoundland had back to back surgeries for knee injuries. They not only took care of the claims they even inquire on his healing process. They truly care for animals. This also shows in the amount of funding they also provide to homeless and rescued pets. The rates are also agreeable. Check them out!

Julina K
Hillsboro, Oregon

Our dog was so close to death. We didn’t know if we could afford to keep her alive. But thanks to you, Healthy Paws, we were able to keep her alive. She won’t pass for a long time now.

Ashburn, Virginia

Healthypaws has just been a lifesaver for me! My three year old Yorkshire Terrier, Indiana, has torn both of his hind ACLs and had to undergo a total of 3 surgeries -- and they were a small fortune! Thankfully, healthypaws has been there for us and reimbursed me at a 90% level. If I did not have healthypaws, I would not have been able to get Indy the physical rehabilitation he needed for months after each surgery, which was also covered at 90%! I've recommended healthypaws to everyone I know that gets a new pup -- I think it is the best insurance out there :) Their customer service team also sends emails to check up on Indy post-surgery and see how he is doing -- it is a nice personal... Read More

Ashburn, Virginia

My huskimo got very sick and it was going to cost us 2,000 to get her healthy again. Healthy Paws covered 80% of it excluding the exam fee and what was left on my $250 deductible (this is the reason for the 1/2 star). My girl is healthy again! Healthy Paws made it possible for us to afford the care that she needed. And they even checked up on her a couple of weeks later to ask how she was doing. They have already covered FAR beyond what we pay monthly. So worth it. One of the best decisions we made!

Kathy L
Pittsburgh, Pennsylvania

Healthy Paws is absolutely the BEST - we were thrilled at the ease of filing a claim, the speed of the processing and the reimbursement! The customer care associates are helpful and compassionate and most knowledgeable of the insurance - they are willing and able to answer any and all questions. We are telling everyone we know who owns a pet to get Healthy Paws insurance. They will be glad that they did. Our recent claim was resolved in just over a week!

Seattle, Washington

If you're considering pet insurance, give this company a serious look. The terms of coverage are flexible to fit your budget, and simple to understand. They have an associated smartphone app that makes it really easy to take a picture of a claim for submission. And they have a fast claims process turn around. So when your furry baby has an expensive procedure, like an ultrasound (speaking from experience), you don't wait long for reimbursement. I wish my health insurance was as simple and straightforward as this.

Bob b
Miami, Florida

Outstanding company with great customer service and prompt reimbursements. I highly recommend this product

Michelle N
Boston, Massachusetts

Before signing up for Healthy Paws, I did some pretty careful research on Pet Insurance to try to find the best insurance for my Papillion. I had previously purchased pet insurance for our other dog, a Chihuahua, and was disappointed with the coverage. I realized choosing the best pet insurance for my Papillion from Day 1 would be advantageous so I would not be stuck with “pre existing” conditions if I chose to switch insurance down the road. Nearly four years went by before I needed to utilize my pet insurance from our Papillion. I had been traveling abroad and while I was gone, my Papillion had swallowed a foreign body and it became lodged in her small intestines. At the same... Read More

Atlanta, Georgia

Healthy Paws has reasonable rates, and reimburses the covered costs quickly. And it's a plus that they have friendly, caring staff!

Kelly S
Newark, New Jersey

My dog had emergency surgery for an intestinal blockage. Healthy Paws quickly processed my claims (multiple vet visits) and I was reimbursed within two weeks. My prior experience with a different pet insurance company was terrible and Healthy Paws renewed my faith in pet insurance.

Top Rated
Our Partner
9.8 / 10
  • Consistently #1 in customer satisfaction, A+ BBB
  • Chosen by almost 90% of visitors
  • Comprehensive illness and accident coverage
  • Unlimited lifetime benefits + no claim caps!
  • Annual deductible (recommended)
  • Free mobile app & no claims forms