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Healthy Paws Pet Insurance Review

3,346 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.
 
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How Do We Rate Healthy Paws?

Breakdown

4.5/5
Coverage
4.0/5
Cost
4.0/5
Extras

Our Overall Rating: 4.4 / 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 - 4 / 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 - 4.5 / 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 - 4 / 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 - 4 / 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
https://www.healthypawspetinsurance.com/
Headquarters Address
11120 NE 33rd Place, Bellevue, WA, 98004
Mailing Address
P.O. Box 50034, Bellevue, WA, 98105
Year Founded
2009

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3346 Customer Comments & Reviews

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T
Thomas

4/13/2020
I have had my cats insured by Healthy Paws for a number of years. An occasional submission here and there. Till March of this year. One of our two cats, Naaz, had what seemed to be a small issue with a blood level. It quickly became more than we thought. She needed surgery. We worried that, being we are in the middle of the Corona Virus lock down (March - April 2020), submissions, reviews or payments would be delayed. I needn't worry. Healthy Paws was there for us. They never once questioned what the Veterinarians did to help Naaz - from the first biopsy through the surgery. Nothing hidden, no fine print I missed - now that thousands were being spent by them. And they paid... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Thomas - We are so sorry to hear about Naaz recent major surgery and hope that her recovery is going smoothly. Having a sick pet is never easy but we are so happy that Healthy Paws was there for your family when you needed us the most. Thank you so much for all the kind words and for sharing your cats story. Please give you furbabies more hugs from us!
L
Louise W

4/13/2020
I've been a dog owner for 50 years and believe that, like people, our pets encounter health issues that need attending and at times the costs prohibit people from caring for their animals. Having used pet insurance for my animals, Healthy Paws is by far the best company! Unlike past experiences with other companies for major surgeries, Healthy Paws does not "find a way" to not cover expenses. The policy is very straightforward with no hidden verbiage. We are extremely pleased not only with their expediency but how many insurance companies actually email you two weeks post-op to ask how your pet is doing?! This company is simply awesome!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Louise - Thank you so much for all the kind words and for taking the time to post your review. It's people like you who are helping to raise awareness about the importance of having pet insurance for our furbabies. Having pet insurance allows pet parents to give their pets the very best veterinary medical care without having to worry about the costs. Thank you again and please give your furbabies more hugs from us!
jleonpalacio

4/13/2020
Healthy Paws has consistently efficiently and kindly handled all of my little man's accidents within a timely manner. I have never had to wait longer than a few days for my claims to be approved and reimbursed. Although I would go broke before I let money get in between my boy's health, it is extremely helpful to have the support of Healthy Paws during unforeseen and terrifying illnesses/accidents. It's also super sweet that they reach back out to see how your pet is doing, it really adds a warm touch. Very grateful to have them on my team :)

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
jieonpalacio - Thank you so much for taking the time to post your review and for all the kind words regarding Healthy Paws quick claims turnarounds and super friendly customer service. We are so happy that you and your pup are part of the Healthy Paws Team! Please give your sweet boy a big hug from us!
Peter G

4/12/2020
Filing the claims was simple. The review and payment of the claims was speedy. Purchasing the insurance was one of the best things I ever did. It saved me a lot of money in emergency vet charges. I hope I never have to use the insurance again, but am very happy its there if needed.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Peter - Thank you for the kind words regarding Healthy Paws simple and easy claims process. We are so happy to hear you have been so pleased with your pet's coverage. Please give your furbaby a big hug from us!
glenntlord

4/11/2020
Thank you for checking in on Sadie, she is great. I must tell you that your company did an outstanding job of handling this claim which I have raved about to all our friends and many of them I bet will become Healthy Paws insurance customers. It is stressful enough dealing with your dog getting a surgery, then comes the expense at a time when the world is upside down and within 1 week, having payment for this surgery is incredible--WELL DONE to the Healthy Paws organization, you have earned much loyalty from Sadie's parents..... thank you Glenn (Sadie's Dad!!)

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
glanntlord - It is so good to hear that Sadie is doing so much better after her major surgery. Having an injured pet can be very stressful, which is why having pet insurance is so important. We are sorry to hear she had to go through all of that but we are happy to hear she is doing much better now. Thank you so much for all the kind words regarding Healthy Paws and please give Sadie another big hug from us!
laila.sh88

4/11/2020
What a great company! I got this insurance for my pomeranian when he was 7 months old. He is around 14 months now and I have to say it is one of the best decisions I have made for my dog! Once we passed the waiting period for existing conditions, they have accepted most of the claims! They cover almost everything except for vaccines, exam, prescription food, ...etc. My dog had a foreign object removal surgery recently. The surgery was urgent, and the cost is above $3,000. Healthy paws covered the surgery cost within days of submitting my claim online via direct deposit. Their website is fantastic! it is very easy to create a profile, submit claims, and get reimbursement! I highly recommend... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
laila.sh88 - We are sorry to hear about your dogs major foreign object removal surgery. Hopefully, recovery is going well. Thank you so much for the kind words and for taking the time to share your story. It's folks like you who are helping to raise awareness about the importance of having pet insurance for our furry friends. Please give your dog another big hug from us!
M
Michael T

4/10/2020
The best company. Easy to deal with. Quick. I put in a claim on a Tuesday morning and had a check Saturday morning. They explain things efficiently and also sent follow-up e-mails to how my dog was doing? I wish they had medical insurance for humans because I would go with them.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Michael - Thank you so much for the kind words regarding your recent claims experience. We take pride in having a quick and easy claims process and we are so happy to hear that you are so happy with your dog's Healthy Paws pet insurance policy. Please give your pup a big hug from us!
cmalo313

4/9/2020
We are so happy we selected Healthy Paws for our dog's health insurance. They have completed all of our claims very quickly with minimal effort on our end. It allowed us to focus on our girl's health rather than cost.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
cmalo313 - Thank you for taking the time to post your review and for the kind words. We are so happy to hear you have been able to focus on your furbaby's recovery. Please give your sweet girl a big hug from us!
ali.inan07

4/9/2020
Healthy paws is always there for us. Very easy mobile app, easy to file claims with the click of a button and a picture upload of the receipt. They check in once and a while to see how your pet is doing. We’ve had them for over 10 years and in that time lost two dogs, one to cancer. They were there for us through all if it

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
ali.inan07 - Thank you so much for the kind words regarding our easy claims process and super convenient mobile app. We are so happy to hear you have trusted us with your dog's fo so many years. Please give your dog a big hug from us!
mizjezi410

4/9/2020
They were super fast in their response time with reimbursement when my dog got injured. They even emailed to check up the following week to see how she was healing up!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
mizjez410 - Thank you for taking the time to post your review and for the kind words. We are sorry to hear about your dog's recent injury. We are happy to hear she is healing. Please give her another hug from us!
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Rated "Best Choice Overall" by Mashable

  • No Maximum Annual or Lifetime Payouts
  • No Enrollment or Administrative Fees
  • Most Claims are Processed in 2 Days
  • Trusted by More than 625,000 Parents
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