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Healthy Paws Pet Insurance Review

3,231 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 is Healthy Paws rated?

Breakdown

3.5/5
Coverage
4.0/5
Cost
4.0/5
Extras

Overall Rating: 3.9 / 5 (Very good)

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 - 3.5 / 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

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

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 - 4 / 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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3231 Customer Comments & Reviews

Loading Reviews ...
wayasmom

8/27/2019
We love Healthy Paws pet insurance because you can set your own rate by choosing your deductible and your copay! We have a Saint Bernard who seems to have a lot of issues, so we choose the 90% coverage, which is great for us because it covers his expensive tests and procedures. But on our other dog, who doesn't need as much medical care, we choose the 70% option to save on the premium. Works out great for us. The claims process is easy and they pay quickly.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
wayasmom - Thank you for the kind words regarding our simple and easy claims process. We are sorry to hear that your pup is having some health issues. We hope your pup feels better soon and please give them another belly rub from us!
R
Rachel

8/27/2019
I have had awful experiences with three other pet insurance companies and had almost given up on the entire industry; but when we adopted my pup two years ago, I decided to give Healthy Paws a try. Two years later, Wally started limping, and now three months later, he's had major knee surgery followed by eight weeks of twice weekly hydrotherapy. I submitted the receipts expecting to get the run around. Instead...two weeks later a check showed up in my mailbox! Healthy Paws' easy process and expedience made a stressful experience so much easier, and cheaper too.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Rachel - We are so happy to hear that your pup is on the road to recovery and that all of your experiences with Healthy Paws have been so positive! Thank you so much for taking the time to write your review and for the high praise. We hope your pups rehab continues to go well. Please give Wally another big hug from us.
J
Julie

8/26/2019
Our puppy has had a hard first year of life (he is only 10 months). Having pet insurance through this company was the best thing we ever did. We were so lucky to have one less thing to worry about given his never ending medical issues. I am so glad that finances are the last thing on my mind every time I have to take our dog Blue to the vet. Submitting a claim is so easy and the company really cares about your pet's well being. I couldn't recommend it more.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Julie - Thank you for the kind words. We are sorry to hear that your puppy Blue hasn't been feeling well recently. We understand that having a sick pup can be very stressful but we are so glad that having Healthy Paws has made this whole situation much easier. Please give Blue another great big belly rub from us!
Mindy H

8/25/2019
Healthy paws is a must! First time getting insurance for my kitties and they have already saved a life. Cali came down with a serious infection near her brain and they covered everything - even tried to pay the hospital directly. Having healthy paws I was able to focus on just getting her better. So supportive and efficient. Thank you Healthy Paws! I recommend to everyone with a fur baby

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Mindy - Thank you for the kind words and for taking the time to write your review. We are so happy to hear that you were able to save your sweet kitties life after her major brain infection. Please give Cali a great big hug from us!
Josie M

8/23/2019
I got a new puppy so I decided to get pet insurance for him. I have been a dog owner for 40 years but never had insurance before. I did lots of research and chose Healthy Paws. I am so so glad I did. He had an ER visit for repeated vomiting and then surgery for a possible bowel obstruction. Through all the stress of being worried for my boy, one less worry was how to pay for all of it. Healthy Paws paid their portion of the bill without hassle, even when he had to be put under again to repair the incision. I and my pup thank you, Healthy Paws!!!!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Josie - We hope your sweet puppy is doing better now after his major emergency surgery. Thank you for taking the time to write your review and for all the kind words. It's pet parents like you who are helping to raise awareness about the importance of having pet insurance for our furry friends. Please give your sweet puppy another hug from us!
maribeth.lehoux

8/22/2019
Weird things you'd never expect from an insurance company... they answer their phone, they respond to emails... crazy! Using healthypaws was so simple, from getting them my files to getting my claims processed. Our pup had a couple of emergency vet bills over the course of a few days and starting a claim was super quick, which is great when you're super stressed and have a sick dog. They even followed up to ask how he was doing (my own health insurance has certainly never done that)! A great experience and gives you piece of mind when you're okay'ing giant vet bills. I recommend to all my fellow pet parents.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
maribeth.lehoux - We are sorry to hear that your pup wasn't feeling well recently and needed emergency medical attention. We are so happy that you were able to provide your pup with the best medical care available without having to worry about the cost. Thank you so much for the kind words regarding our customer service and easy claims process. We hope your pup is feeling better now and please give him a big hug from us!
kamen.ribolov

8/21/2019
A few years ago I decided to buy Healthy Paws insurance for both of my dogs. At times it seemed that a premium was a total waste since dogs were healthy. But a couple of months ago my German shepherd started to have a huge problem with her knee (similar to human ACL) and required an expansive surgery. Insurance people were on top of it and paid 80% of all the charges (over $5200). I'm very thankful for their prompt payment and for the ease of communication. Great Job!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
kamen.ribolov - We are sorry to hear that your dog recently required major knee surgery. Hopefully, your German shepherd's rehab is going well. Thank you for the kind words and please give your pups a big hug from us.
N
Nicole

8/20/2019
I have had Healthy Paws for 4 years now and always thought is was great. Submitting a claim is super easy, reimbursement checks are sent out quickly. They cover what the say they will and I have never had any difficulty or denial of a claim. Then just last month Healthy Paws saved my dog's life! She was diagnosed with Leptospirosis that attacked her kidneys and the only way to pull her through was dialysis and an extended hospital stay with an estimated cost of $15K-30K. I contacted Healthy Paws right away and not only did the answer all of my questions and provide me the necessary information to process such a large claim and NOT have to layout the money and wait on a reimbursement... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Nicole - Wow that sounds like a very scary situation to have to go through with your dog. We are so happy to hear that she has made a full recovery after batling such a scary illness and an extended hospital stay. Thank you for all the kind words and for taking the time to write such a wonderful review. We are so glad that all of your Healthy Paws claims and customer service experiences have been so positive. Please give your sweet pup another big hug from us.
Michele N

8/20/2019
Healthy Paws did right by me and my baby Jasmine. She had a bad tummy ache and was throwing up blood. Had to take her in for emergency services and healthy paws paid 80% no questions asked. Highly recommend

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Michele - Thank you for the recommendations and for the high praise. We are sorry your pup was so ill recently and hope she is feeling much better now. Please give her a big belly rub from us!
crossen.tess

8/20/2019
It was confusing to figure out which Pet Insurance company to use. I picked Healthy PAWS because they are rated the highest. It was the best choice to make. When I bought insurance, my dog was a 4-month-old puppy. I never thought I would need to use it before she became a senior. Well, at just 2 she was mauled by 2 dogs mistaking her for a groundhog. She was in terrible shape. Healthy PAWS guided me the whole step of the way to ensure great care and hassle-free vet payments. They have even called to check up on her. I want to encourage vet practices to partner with Healthy PAWS. Honestly-they make sure that it is a no-wait win-win for everybody.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
crossen.tess - We are so sorry to hear about your little pups major bite wound injuries. Having an injured pet can be very scary and stressful but we are so happy that you were able to provide her with the best medical care possible when she needed it the most! Thank you for the kind words and for letting us know that your sweet girl is doing much better now after that scary situation. Please give her more big hugs from us!
Top Rated
Our Partner
  • No enrollment or administrative fees
  • Accidents, illnesses & emergency care
  • Most claims are processed within 2 days
  • Flexible premium & deductible options

 

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