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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

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silvanamoffitt

2/2/2023
Healthy Paws Pet Insurance is excellent. After an unfortunate event, our dog, Pax had to have an extensive medical procedure and numerous labs/X-rays done, an overnight stay at the Animal Emergency hospital, and many other life-saving steps I never anticipated. I submitted all invoices/claims to Healthy Paws via an app on my phone, and Healthy Paws sent direct deposit reimbursements within two days. In addition, the Healthy Paws team emailed me to check on Pax. I never anticipated that. Thank you, Healthy Paws! Silvana

megant.hanley

1/28/2023
We are so grateful to have selected Healthy Paws when shopping for pet insurance for our puppy. He had been very healthy until he got to be a few years old and then we were faced with a diagnosis and some trips to the ER with bills that we would not have been able to pay on our own. Having Healthy Paws means that we can make sound decisions about the health of our dog rather than worry about the bill. The process of filing claims is very easy and they even checked in to see our dog was feeling after his trips to the hospital.

Kelly G

1/25/2023
I have had healthy paws now for 3 years. They are there when you need help with paying for medical bills. I will never go with any other company. I have recommended numerous friends to use them and they did and even signed up a second pet and got a multi pet discount. Claims are usually processed within a a reasonable amount of time. Thank you for everything and helping taking care of all the fur babies… Love Kelly and Franklin

Cindy K

1/23/2023
My baby girl was first diagnosed with Laryngeal Paralysis, which is uncommon in cats. She is only 2, and I was devastated, but decided to take her to a specialist. Without the help of healthypaws, I wouldn't have been financially confident. Because I knew healthypaws will help, I proceeded with multiple exam. Luckily, I found out that it wasn't Laryngeal Paralysis!!! She is doing great now with medication.

Matthew H

1/19/2023
We have been a part of the healthy paws family for years. I can say they have always been there for us & more importantly they really care that we want the best possible medical care available for our pet.

beckie.fischer

1/3/2023
Healthy Paws has been a wonderful add on for my beloved Redbone Coonhound. Filing claims is easy, communication regarding status of the claim is timely and reimbursements are prompt and well-explained. I am extremely happy with my choice of pet insurance.

A
Ammon

1/3/2023
Our sweet boy Crowley was referred to a cardiologist and required several visits and multiple lab tests and exams. Thankfully we had Healthy Paws to carry us through this, and make it all possible. He later developed allergies that required a dermatologist, and allergy specialist, a biopsy, and allergy medications on top of his heart medications. Healthy Paws has helped us every step of the way, and our sweet boy is happy and feeling good!

Jackie B

12/22/2022
Healthy Paws insurance was the best decision I have made. My fur baby was diagnosed with cancer this past summer. I would not have been able to afford the very expensive treatments had it not been for Healthy Paws. They reimburse almost immediately. Thanks to them Tucker is doing well.

J
Julie A

12/21/2022
Very courteous customer service and showed genuine concern for my pets' health. The claims were processed in a timely manner and received reimbursements quickly. I am delighted with HealthyPaws and will recommend them to anyone with pet children. I have the freedom to focus on caring for my pet babies and not be worried about finances. I will definitely be a customer for life.

therandcompany

12/13/2022
I have been extremely satisfied with Healthy Paws pet insurance. Recently, they quickly approved our claim and even followed up to check in on our pet. The process was seamless and the app is user-friendly. I appreciate the personalized service and attention to detail from Healthy Paws. I highly recommend this pet insurance company.

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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