Healthy Paws Pet Insurance Review

Rating: 9.8 / 10 (Excellent)
1,546 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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Customer Comments

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Gus S
Newark, New Jersey

I am a certified dog trainer. I've researched all the pet insurance companies. While this doesn't pay for routine visits, it is by far the best. The main reason I got this was in case we were faced with a huge bill which usually means diagnostic tests and lab work. I chose the $250 deductible and 90% coverage. One difference is it's not per incident. The $250 deductible is for everything that may come up in a year. I have a friend with another big name pet insurance who has $250 but it's for each item. His dog hurt his leg, the $250 gets deducted before reimbursement. Three months later, ear infection, he has to satisfy the $250 again. Not the case here. So if I get a bill for... Read More
21 People found this helpful.

Newark, New Jersey

Unbelievably good service! My dog has had a rough year after being hit by a car and then (unrelated) tearing her ACL. Both required surgery. HealthyPaws immediately reimbursed me for all medical treatment with no questions asked. They then followed up with a personal email to ask how the dog was doing after both surgeries. I wish human health insurance was this good!!
12 People found this helpful.

Rich D
San Jose, California

We received a sympathy card from Healthy Paws staff, Bodey’s health insurance company. They were there for us throughout all of Bodey’s treatments and their kindness and understanding helped provide hope. They paid out 90% of all Bodey’s bills which totaled over $23,000.00. It was comforting to know that we were able to afford to give him comfort and quality care to the end. We were so impressed with Healthy Paws that we immediately insured our new puppy with them. We didn’t even consider shopping around. Thank you Healthy Paws! We couldn’t have given our boy the care he needed.
11 People found this helpful.

Adriana C
Los Angeles, California

So this is one of the first reviews I've ever written but really felt it was important. I'm a pet parent to two awesome and quirky cats that our family adores and was heart broken when one of them came back with a diagnosis of mast cell cancer right before this last Christmas. He was always so happy and healthy, and from what seemed like one week to the next, we were given the option of starting him on palliative care or going to a specialist to see if there was anything at all that could be done. I wanted to give my kitty every chance to hold onto his life, so decided to take him to an oncologist and do whatever possible - whether it meant using up my savings or putting his care on a... Read More
7 People found this helpful.

Marlene J
Dallas, Texas

I can't say enough amazing things about Healthy Paws Pet Insurance! They are hands down a no-nonsense reliable and professional insurance company. We have had our Duke insured with HP since he was about 10 weeks old and I admit that at times I wondered if it was worth the monthly expense because he has always been fairly healthy except for minor miscellaneous things such as ear infections, etc., but we recently got confirmation that it is no doubt well worth it! It has always been so quick and easy to deal with HP thanks to their user friendly web site and phone app where we file our claims instantly or change coverage options, and the best part is being reimbursed within 7-10 days,... Read More
5 People found this helpful.

Claudia O
Ashburn, Virginia

Healthy Paws is amazing! My dog Chloe just seems to be accident-prone. From getting bitten by a copperhead snake (ER visit) to reconstructive knee surgery on both knees (and a number of emergencies in between), Healthy Paws has never denied coverage, never quibbled with the bills, and always sent a follow-up email checking on my girl to make sure she is doing better. I could only wish that people health insurance were half as good.
5 People found this helpful.

Romanie B
Newark, New Jersey

I've had Healtypaws coverage for my small, rescue, dog for over3 years now, he was nearing his 4th birthday when we began. Now he's nearing his 7th birthday. To date we have never once filed a claim with Healthypaws, he has regular "well dog" vet visits and he has been wonderfully healthy and completely accident free, but nevertheless his monthly premiums are raised every year. For a senior person like myself living on a small fixed income this constitutes a real hardship. I worry about being able to continue to afford these monthly premiums as my dog ages and I'm more likely to actually need this pet insurance coverage. I have found Healthypaws to be totally deaf to these concerns.
4 People found this helpful.

Official Response

Customer Care of Healthy Paws Pet Insurance
Romaine - We understand that no one likes any form of premium increase, but there continues to be an overall increase in the frequency of high-value treatments such as anterior cruciate ligament surgeries, cancer treatments including chemotherapy, and foreign body exploratory surgeries performed by veterinarians. These are some examples of procedures performed during the last 12 months that ranged anywhere from $3,000-$16,000. Due to the increasing cost of new technology and advances in veterinary care, rates need to be adjusted. These increases provide our clients the opportunity to offer their pet the best medical and diagnostic options available today. Rest assured, we will never penalize a client with higher rates for making claims. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of veterinary care.

Joseph A
Newark, New Jersey

It's easy to file a claim and payment was prompt. So far we have been reimbursed over $9,000.00 when our dog required major surgery. They even emailed me to see how she was doing!
1 People found this helpful.

Holli S
Newark, New Jersey

I only wish humans could have as good of coverage that Healthy Paws insurance gives! Hugo our terrier,-doxie mix has always obsessively sniffed around low to the ground like a vacuum. At 2 years old he is getting smarter about how to get the right things to satisfy his chewing. We are just getting smarter too but only after learning the hard lesson of having Hugo admitted for 2 small intestine surgeries in 2 1/2 months! I kid you not! 2 surgery’s- 2 months! First was his desperation to dig out the squeaker of a plush toy (some have 2-3 in their design and without looking for one second he swallowed one. A week later he was projectile vomiting every 5 minutes. With his most... Read More
1 People found this helpful.

San Jose, California

Not all health insurance companies are the same, either for humans or for pets. As a physician I am well aware of what patients and their families go through when they get ill. It is no different for pets. When our two British shorthair cats Bertie and Winston got very ill from an autoimmune problem Healthy Paws immediately asked how they were doing! They showed that they truly cared for our pets and for us. They made sure that all paperwork was complete as quickly as possible and that the vet and labs were paid so we could concentrate on the health of the boys. I almost wish we could have as good an insurance company for ourselves! Highly recommend Healthy Paws Pet Insurance!!! It is the... Read More
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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