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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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Raymond J

1/15/2020
My partner and I are animal photographers and photograph countless dogs. After the death of our Beagle last year, I decided to insure our other three dogs so I would never again have to weigh the financial impact of an illness or injury. I talked to many pet owners and always heard excellent things about Healthy Paws. They focus on the expenses I felt were important - the unexpected. They don't cover preventative care, but as a pet owner, that's something you plan for anyway. Soon after insuring our pet family, our puppy Tilda broke her leg. The experience was very traumatic, but I felt comfort knowing we were insured and that I could focus on what was best for her, knowing the... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Raymond - Thank you so much for taking the time to share your story and for taking the time to write your review. It's people like you who are helping to raise awareness about the importance of having pet insurance for our furry loved ones. Please accept our sincere condolences regarding the passing of your beloved Beagle. We are sorry to hear about Tildas' recent major leg injury and hope that her recovery is going well. We feel so honored that you trust Healthy Paws to protect 3 dogs and that all of your Healthy Paws experiences have been so positive. Please give all of your pups more big hugs from us!
victorkfujikake

1/15/2020
Over the past six years with HealthyPaws, I have nothing but pleasant experiences. Easy access to the claim process page on its website, and timely completion reply and reimbursement. They cover my two labradors. The most recent claim made for my dog, who had her femur head & neck 0stectomy, was handled and reimbursement made promptly. Very impressive. But most impressed by the follow-up email from them concerning my dog's recovery and the fast recovery. Now, do I ever hear that from my health insurance company??? They care and show their concerns more so than insurance companies for us humans. I am quite satisfied with Healthy Paws. Victor F,

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
victorkfujikake - We are so sorry to hear that your sweet lab recently needed major hip surgery. Hopefully, her recovery from the surgery is going smoothly. Thank you so much for sharing your story and for being such a loyal and longtime Healthy Paws family member. We love hearing that our longtime Healthy Paws pet parents love their Healthy Paws coverage and will continue to cover their sweet furbabies with us. Please give those lovable labradors more hugs from us!
kerriewhly

1/14/2020
I started policies on our four rescued Galgos a year ago. I was starting to wonder if we really needed the coverage; my dogs were young. What were the chances of me making a claim that would cover the monthly premiums? Then my 5 year old, Paquita, started exhibiting symptoms which were of concern to my regular vet who referred us to a specialist. It was Thanksgiving. I was unable to get an appointment so I had her admitted as an emergency. I didn't stop to check my Healthy Paws policy/coverage. I simply wanted the best care available immediately. A month later, after the initial scare and a promising prognosis, the credit card bills were due. I logged into the app expecting a long,... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
kerriewhly - We are sorry to hear about your furbabies recent major health scare. Having a sick pet can be very stressful and expensive which is why having Healthy Paws pet insurance for our furry loved ones is so important. Thank you for all the kind words regarding Healthy Paw's amazing customer service and easy to follow claims process and for taking the time to share your story. Please give those sweet furbabies of yours another great big hug from us!
Karen B

1/14/2020
I can't say enough good things about Healthy Paws insurance. We insured our mini dachshund, Abby, who didn't have as much as a sniffle in 12 years, then, the issues started, and for 2 months we tried everything to save our girl, and spent a LOT of money. Healthy Paws came through for us, paid what they said they would, quickly and with no questions asked. Wonderful company to deal with.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Karen - We are so happy to hear that you were able to give Abby the very best medical care when she needed it the most. We know that losing a furbaby is never easy but we are happy to hear she was given lots of love and the best veterinary care available during her final months. Thank you so much for taking the time to share your story about Abby and for the kind words.
karenbzimmerman

1/14/2020
My daughter did extensive research before selecting Healthy Paws to insure her dog, so I simply followed her lead. I frequently tell her how glad I am that I did! My four-year-old dachshund recently required emergency back surgery, and Healthy Paws could not have been more responsive and helpful during this stressful time. As promised, my claim was processed quickly and fairly. I especially appreciated the mobile app, which was extremely easy to use.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
karenbzimmerma - We are so sorry to hear about your pup's major back surgery and hope it's recovery is going smoothly. Thank you for the kind words and for taking the time to write your review. Please give your little furball a big hug from us!
M
MF

1/14/2020
I highly recommend HealthyPaws. They provide the coverage they promise, and quickly pay your refund. They also having a caring and kind customer success team. HealthyPaws was the best investment my wife and I made in 2019.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
MF - Thank you for the kind words about our excellent customer service and quick claims process. Please give your furbaby a big hug from us!
brandidep

1/14/2020
This insurance is so insanely amazing. We have three dogs, all of which who have used Healthy Paws Insurance with both chronic issues and emergencies. I have NEVER had an issue with ANYTHING. My reimbursements come back directly into my bank account. I have called with questions, and have always felt as though I was more than appreciated, and couldn't have asked to speak with nicer/more informed people. I recently used Direct Pay in an emergency with one of our Border Collies. Healthy Paws paid the entire bill upfront for Luna's surgery after my husband and I had spent all the money we had for bills for the month in pre-surgical imaging and testing the day before. I don't know what we... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
brandidep - Thank you so much for the kind words regarding our simple and easy claims process and our exceptional customer service. We are sorry to hear about Luna's recent surgery and hope her recovery is going well. We really appreciate you sharing your story and for taking the time to post your review. It's people like you who are helping to raise awareness about the importance o having pet insurance and we thank you for that. Please give your pups big hugs from us!
Julia T

1/11/2020
We've used Healthy Paws for six years and two dogs, and they've continued to have reasonable rates and always cover what they say they will. They personally reached out after our dog had a big surgery to see how he was doing!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Julia - Thank you for the kind words and for being such a loyal and longtime Healthy Paws family member. We are so happy that you have chosen us to protect your sweet furbabies. Please give your two pups big hugs from us!
E
Erica

1/10/2020
Healthy Paws is a wonderful insurance company. The premiums are very reasonable, but expect them to go up slightly every year. They make the process of submitting a claim quick and easy. My dog had emergency surgery and ended up hospitalized for many days after as she did not recover well. They reviewed and covered everything that was supposed to be covered by my policy without any hold ups or having to call and argue about coverage. They upstanding and I couldn't be happier with my experience. Thank you Healthy Paws, for letting us focus on our sweet pup during a very scary time!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Erica - We are so sorry to hear about your dogs recent major emergency and extended hospitalization. We hope she is feeling much better now. Thank you for the kind words and for taking the time to share your story. Please give your sweet girl a big hug from us!
Reeba S

1/10/2020
Our dogs have been insured via HealthyPaws pet insurance for over 5 years. If you do your research, you will find this company writes their policies with very comprehensive coverage. They make filing claims easy and painless as well as paying those claims covered in a very timely manner. They have a claims payment option for direct deposit into your bank account and have recently improved that service even though it was very efficient before the improvement. They also have an auto pay option for premium payment which we take full advantage of to eliminate any potential late payment problems. All in all, a great company to work with and we feel very safe having our two dogs covered by such... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Reeba - We love hearing from our longtime Healthy Paws family members and are so happy to hear that you have been so pleased with your Healthy Paws experiences during that time. Thank you so much for all the kind words regarding our simple and easy claims process and super convenient direct deposit option. We look forward to protecting your pups for many years to come. Please give your sweet dogs another big hug from us!
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