Many or all of the companies featured compensate us. Compensation and research may determine where and how companies appear. Learn more

Healthy Paws Pet Insurance Review

3,357 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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 Do We Rate Healthy Paws?

Breakdown

4.5/5
Coverage
5.0/5
Cost
5.0/5
Extras

Our Overall Rating: 4.8 / 5 (Excellent)

Healthy Paws ranks highly among the pet insurance companies we've reviewed. The company offers a single pet insurance plan with multiple reimbursement options, comprehensive coverage for alternative therapy and no caps of any kind.

Reimbursement is based on the cost of your actual vet bill and there is no limit as to the type of or how many claims you can make for covered conditions. Healthy Paws provides all of this at the same or sometimes lower prices than less comprehensive plans.

Healthy Paws Coverage

Coverage - 4.5 / 5

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
Yes
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 - 4.5 / 5

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 available only for 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 (very few restrictions do apply) there is no limit to what the company will pay to make your animal well.

One Healthy Paws customer reported to us that 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. More recently, another customer wrote, "I have a six-year-old German shepherd. Unfortunately, he already has had more than his share of problems, from herniated discs to cancer. Healthy Paws has not given me any hassle or trouble, even though his expenses to date are approaching $40,000. This was by far the best financial decision I have ever made."
Benefit Limit Types
Unlimited

Reimbursement & Deductibles

Reimbursement - 5 / 5

As with deductibles, Healthy Paws is in line with the industry's 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.
In general, Healthy Paws pays on a reimbursement model. Policyholders pay the vet up front for treatment, submit their claims to Healthy Paws, and receive a reimbursement. However, in situations where pet owners can't pay their vet at the time of treatment, they have the option of contacting Healthy Paws and asking them to pay the vet directly. If the veterinary hospital is willing to accept payment from Healthy Paws, the insurer can work directly with it to expedite access to medical records and claim processing. This direct payment option is available on a case-by-case basis and applies to treatment by any licensed vet in the United States. It is not limited to any specific network of vets.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
70%
Maximum Percent Reimbursement
90%

Deductibles - 5 / 5

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. Lower deductibles do result in higher premiums. But many customers will appreciate the flexibility Healthy Paws offers.
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$500

Pricing: How much does Healthy Paws cost?

Cost - 5 / 5

Considering the few benefit limits Healthy Paws imposes and the company's customizable payout percentages and deductibles, Healthy Paws plans are reasonably priced and even cheaper than less substantial plans.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$32.83
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$17.19
Rate Details: Annual Deductible: $500, Benefit Cap: Annual & Unlimited, Reimbursement Model: 70% of Annual Cost
Available Discounts:

Enrollment & Waiting Periods

Enrollment - 5 / 5

Healthy Paws enrolls pets 8 weeks and older. While some companies have no upper age enrollment restrictions, Healthy Paws limits coverage to pets 13.99 years old and younger.

Some companies offer accident coverage immediately upon premium payment. Healthy Paws imposes 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
14 years
Accident Waiting Period
15 days
Illnesses Waiting Period
15 days
Free Look Period
30 days

Claims & Service

Extras - 5 / 5

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, 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. 99% of claims are processed in 2 days.
Advertised Response Time
3 days
Claim Form
Email
Fax
Online Portal
Mobile App

Contact & Additional Information

Homepage URL
Headquarters Address
11120 NE 33rd Place, Bellevue, WA, 98004
Mailing Address
P.O. Box 50034, Bellevue, WA, 98105
Year Founded
2009

Leave a comment for Healthy Paws Pet Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

3357 Customer Comments & Reviews

Loading Reviews ...
L
Lynda F

8/15/2016
After extensive research, we selected Healthy Paws pet insurance in June for our two new Goldendoodle puppies. In early July, our 18 week old, Ziggy, swallowed a rock from our backyard which required major surgery to remove. He was in intensive care for three days. Needless to say, this was a very traumatic and expensive experience for all of us. We feel so happy that we chose Healthy Paws. They processed our claim and mailed our check within days after the vet paperwork was submitted. The process was simple - all online. The customer service staff at Healthy Paws is awesome! I received an email at the end of July inquiring about Ziggy's recovery. I didn't expect that - an insurance... Read More


E
Erika L

8/15/2016
I have had Healthy Paws pet insurance for the past two years and have always had a great experience with them. The monthly cost is very affordable. After my dog was hit by a car, she had almost $5000 in medical bills and Healthy Paws had amazing customer service when I called regarding my claims and I was reimbursed in a timely fashion. My dog has almost fully recovered and I feel at ease knowing that Healthy Paws will be there in case something else ever happens to her.


N
Nick S

8/14/2016
Healthy Paws is the first and only pet insurance company I have used. My Boxer dog was insured with them and they were excellent. The claims submission process could not be easier and the payout is very quick (usually under a week) and very easy to understand. I would highly recommend them.


S
Simone S

8/13/2016
Healthy Paws is absolutely amazing! I signed up both my Italian Greyhounds a little over a year ago. I initially debated on whether or not I should get insurance for them because both of them were healthy, but since I'm a teacher, I knew I couldn't afford large vet bills if they ever did become sick or injured. Thank God Almighty that I did! A few weeks ago, a mass was found in one of my dog's lungs. It needed to be removed and biopsied. Thank goodness she is Cancer free!! However, if she had not been, I would've had to figure out how to pay for Chemo and Radiation as well. My Shiloh is only 7 years young. :) If I had not had insurance for her, it would've been approximately $7,500 and... Read More


A
Amy S

8/12/2016
Bringing a new family member home is exciting! Making sure that you have insurance to cover things you don't expect can be difficult. Healthy Paws makes the process simple and is extremely customer focused. We have had insurance for the past four years with our lab and when we brought home our basset, we immediately added her to our plan. Coverage is vast, plans are diverse (we use the $100 deductible, 90% reimburse plan) and customer service is outstanding. Our lab just had cataract surgery and the claim was sent in the next morning, processed and reimbursement headed out the door the same day. When our lab had issues in her first year with a neck injury, we received the same turn... Read More


K
Kevin K

8/10/2016
This is best Insurance Plan I have ever had for my pet. They are without a doubt the best that money could buy. I highly recommend. Top notch customer service that are real people who really care about your pet. I can't say enough about how good they really are.


K
Kathie R

8/10/2016
I have had a wonderful experience with Healthy Paws Pet Insurance. Never had coverage before & have paid out lots for my pet family throughout the years. I found Healthy Paws Pet Ins to be so easy to work with. Submitted my bills & pet history & the claims were paid immediately. I must admit Healthy Paws Pet Ins has been easier to work with than some of the insurance carriers I work with for Humans on a daily basis!! I am just so thankful I signed my little guy up, you never know when you will need the coverage.


J
Jane C

8/9/2016
Healthy Paws Pet Insurance is absolutely the BEST! I have had this insurance since my dogs were puppies. I have had to use it three times with one dog and one time with my other dog. They are INCREDIBLE!!! Claims are processed so fast--this last time, when both dogs were treated for raisin toxicity, it literally took 45 minutes from the time I submitted the claim on line, to receiving an email from Healthy Paws that the claims were completed and a check was in the mail. I received payment in about 3 days. I don't understand why a pet insurance company can be so efficient, yet in the human world, things are so screwed up. I want to be a dog, see my veterinarian for medical care, and have... Read More


S
Smruthi N

8/8/2016
I enrolled my dogs Chilli and Kaya for Healthy Paws Insurance last year and just a month later my dog Chilli tore her ligament. She had to get a TPLO surgery done for her right hind knee and then had to go through Physical therapy. Under a year later she tore the ligament on her left knee and had to have the surgery again with Physical Therapy. Healthy Paws has so far covered over $13500 for us. We wouldnt have been able to afford her surgeries and PT without Healthy Paws. We love how easy it is to file a claim, their wonderful customer service and also how quickly we get reimbursed. I'd recommend this to anyone with a pet.


D
Dayle I

8/8/2016
Healthy Paws has good coverage and extremely fast payment of claims. Having insurance allows me to give the best medical care available to my pets.



Top Rated
Our Partner

✅ Trusted by More than 620,000 Pet Parents

  • Reimburses Up to 90% of Covered Claims
  • No Max Annual or Lifetime Payouts
  • Backed by Chubb - a Trusted Name in Insurance
  • Covers Accidents, Illness, Hereditary Conditions & More