Healthy Paws Pet Insurance Review


Rating: 9.8 / 10 (Excellent)
1,233 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?

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 - 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
Dogs
Cats
Coverage Types
Medical
Vet Selection
Unrestricted
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
Unlimited

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
70%
Maximum Percent Reimbursement
90%

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
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$500

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

Dogs
$32.83
Cats
$17.19
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 Periouds

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.

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

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
3 days
Claim Form
Email
Fax
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
2009

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1233 Customer Comments & Reviews

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Josh I
Santa Barbara, California

1/16/2018
When I signed up for pet insurance, I thought I would never need it. But Riker, my belgian malinois puppy, started limping just a few months afterward. After months of bed rest, xrays, and CT scans, we discovered a bone chip in his elbow, and the vet recommended surgery. I was terrified that we would be excluded from coverage due to my recent signup, or that maybe Healthy Paws would balk at the cost of surgery. However, they covered almost everything, including physical therapy afterwards, and the reimbursement checks were timely. I don't think I would have been able to afford the care on my own. Riker is still recovering, but I'm super happy with Healthy Paws.


S
SHARI P
The Bronx, New York

1/15/2018
WE RESCUED MY DOG MILO AND DECIDED TO GET PET INSURANCE BECAUSE WE DIDN'T HAVE IT WITH OUR FIRST DOG. AFTER SHE GOT SICK WE REALIZED THAT IT WAS A MISTAKE. NOT KNOWING MILO'S HEALTH HISTORY MADE ME REALIZE HOW IMPORTANT INSURANCE IS. HEALTHY PAWS MADE MAKING A CLAIM SO EASY AND DIDN'T GIVE US A HARD TIME. WE FILED 2 CLAIMS IN 2 YEARS AND WAS VERY HAPPY WITH THE REIMBURSEMENT WE RECEIVED. THEY ALSO EMAILED US TO CHECK ON HOW HE WAS DOING. THIS IS A GREAT COMPANY!


M
Manley D
Denver, Colorado

1/15/2018
Healthy Paws have been prompt with claims and they care about my dog.


G
Gaynor A

1/15/2018
We are so pleased with Health Paws! Recently, we submitted our first claim which actually consisted of three visits to the vet within two days, including a visit to the emergency/specialty vet. The claims were easy to submit and the response time from Healthy Paws was excellent. We also really appreciated the follow up from Health Paws checking on our dog's well being. Thank you so much!!!!


Bob P
Liberty Hill, Texas

1/14/2018
We have been with this great company since 2013, it has been such a relief to know Healthy Paws was there once again when we needed them. We have encouraged all our pet loving friends to check out Healthy Paws if they want the same peace of mind when it comes to their fury family members health care.


N
N.C.

1/14/2018
My 8-year-old Egyptian Mau recently had a lipoma removed. Having pet insurance certainly made it easier to make the decision to do this promptly, and I believe it saved us all pain, suffering, and expense. Many thanks to Healthy Paws for its streamlined claims process (which I have finally learned to use properly!) and prompt payment. I am very happy that I insured both my Maus with Healthy Paws.


M
Mike
Morgan Hill, California

1/12/2018
Quick and efficient process less than a week claim is completed. Thank you Healthy Paws.


J
John D
Brooklyn, New York

1/12/2018
The is the second review that I am writing about Healthy Paws which is truly an outstanding company. My dog is three and a half and has undergone several surgeries to correct the condition that she suffers from. Healthy Paws has been incredible. From processing your claims, which can be done through an app, to customer service in the event you need to contact them they have been just incredible. It is the best investment that I could have made for my pet and I give them my highest recommendation.


L
Lauren
Washington, District of Columbia

1/12/2018
I cannot say enough about how wonderful Heathy Paws Pet Insurance has been and what a wonderful experience I had. Heathy Paws empathy and professional service throughout my dog’s life with me was exceptional. I have recommended and continue to recommend Healthy Paws to so many folks. They always had excellent customer service throughout the three and a half years I had my French bulldog mix rescue. Sadly, he was recently diagnosed with cancer and passed away, but Healthy Paws made it easy during the last few months of his life, which was especially helpful during such a stressful time. I never worried about his insurance. Once your online account is set up, download the app. Using... Read More


Mario A
, New Jersey

1/11/2018
Our experience with Healthy Paws Pet Insurance over the past few years has been amazing! Their customer service is incredible - I was especially impressed that they asked how my dog was doing and was very empathetic after his surgery. I received the reimbursement by direct deposit which covered 90% of the vet/surgery bill. The process was simple and very fast. I am very pleased with my experience and would recommend Healthy Paws and always recommend to other pet owners.



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