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Healthy Paws Pet Insurance Review

3,229 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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3229 Customer Comments & Reviews

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Jennifer P

5/21/2019
I’ve interacted with several insurance companies in my life - rental, home owners, car, medical - but nothing like the experience I had with Healthy Paws. They are responsive, reasonable, affordable, and I can always reach a person during business hours who is more than happy to help me. I just submit my receipts and pet’s medical records, and they take care of the rest. Reimbursements are received within days. It’s hard enough watching your pet go through a trauma, but this company takes care of you so you can focus on your pet.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jennifer - We appreciate all of your kind words about our customer care, easy claims process and quick reimbursements. We're happy to help in relieving some of the financial stress so you can focus on your baby.
C
Cherri A

5/21/2019
If you are shopping for pet insurance look no further. Go with Healthy Paws! They are the best out there and I have been with others so I know. I have told waiting rooms full of pet parents about how great I have been treated by Healthy Paws. No pet owner EVER wants to say they can't do something to help their beloved pet because the treatment was too expensive. If you have this insurance you will NEVER have to say that and Healthy Paws will never let you down. My beloved Golden Retriever, Cali, recently passed away. She was covered by Healthy Paws. When she got cancer they were there every step of the way helping me cover the vet bills. I will be FOREVER grateful to Healthy Paws... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Cherri - We thank you for taking the time out of your day to write your review. We're sorry for the loss of Cali, but glad we could play a part in making sure she had access to the best available medical care. Give the rest of your gang big hugs from us!
dfitzvegas

5/20/2019
One year ago, our 3-year old Pitbull was diagnosed with T-Cell Lymphoma. We were devistated. Our sweet boy, Chappie, has gone through many sessions of extensive chemotherapy and is now in remission for the second time. Healthy Paws has made this treatment for our pet possible. They are absolutely amazing! They are the best choice for your pet insurance! They care about the health of our pet and show us by checking in and paying all claims prompty! We love and appreciate you Healthy Paws! Thank you for taking great care of our Chappie! Dana F. - Las Vegas, Nevada

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Dana - We hate that Chappie has had to deal with cancer, but glad he is currently in remission! We appreciate all of your kind words in regards to our customer service and claims processing. Give Chappie a big hug from us!
M
Matthew B

5/15/2019
We have been very pleased with the Healthy Paws Pet Insurance policy we took out for our dog. The policy was easy to set up and understand, and the few questions I had were promptly answered by the Healthy Paws support team. The claims process is relatively quick and payment prompt. I've only had to dispute one claim that was denied due to ambiguous notes from the veterinarian, but it was quickly resolved once more information was provided. One item to be aware of is regarding the deductible. We have 90% coverage after a $500 deductible, but as noted clearly in the FAQs they apply the 90% to covered costs, then apply the deductible, so in reality we have need $555 of covered costs... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Matthew - Thanks for taking the time to write your review. We appreciate your explanation in regards to how reimbursements are calculated and letting prospective clients know they can find all of this information on our website. Give your baby a big hug from us!
Elizabeth T

5/15/2019
My life turned upside down, when Belen a 7 years old husky malamute was diagnosed with chronic liver disease. Laparoscopie, tube feeding, significant prescriptions daily. All was taking care of by Healthy Paws, Also Annya her Mom got urinary infections, Bills were promptly processed and Refunded. Staff customer service 10 stars. For the last painful 6+ months. Elizabeth

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Elizabeth - We wish Belen and Annya didn't have these illnesses, but glad we can be there to help. We appreciate the kind words about our customer care team. Give your babies great big hugs from us!
N
Nancy N

5/15/2019
Recently our dog, Bella, had to undergo major surgery on her leg. Healthy Paws was very responsive when I called to check on what was covered. When we submitted claims relating to the pre-op and surgery, they were handled within in a matter of days. They emailed to check on her and showed a genuine concern for her. I'm very, very pleased with her insurance plan with Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Nancy - We're sorry Bella had to have that major leg surgery and hope she is doing well in her recovery. Thanks for the kind words regarding our customer service and claims processing. Give Bella a big hug from us!
Ashley C

5/15/2019
Soo easy to sign up! Submit claims! Received my refund in days! Easy website! Will be a life long healthypaws customer!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Ashley - Thanks for your kind words! Give your pup a big hug from us!
J
Jenny

5/14/2019
Health Paws Pet Insurance is the best. My pets and me thank you and greatly appreciate Healthy Paws Pet team for quickly process our claims that helps to put me financially peace of mind while I try to put my baby back to the healthy and happy dog again. Their customer service is best. I would recommend Healthy Paws Pet Insurance to all the Pet’s parents.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jenny - Thanks for your kind words in regards to our customer service. We're glad we could alleviate some of the financial stress while you got your baby healthy again. Give your babies big hugs from us!
R
Robert e

5/14/2019
I’ve had healthy paws insurance for my dog since I adopted her two years ago. This was one of the best decisions that I’ve ever made concerning my dog. She started having issues that were similar to lymes disease but she wasn’t responding to the usual medication. A month and a half later and many thousands of dollars we now believe she has lupus. Healthy paws has been with me every step of the way and has not once questioned a claim I’ve submitted. I can’t say enough good things about them, they’ve prevented me from having to make an incredibly difficult decision between what’s best for my girl and what I can afford.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Robert - Thanks for taking time out of your day to write your review. So happy that we've been able to play a small part in making sure you girl had access to the best available medical care which resulted in a solid diagnosis. Can't thank you enough for all of your kind words. Give your baby a big hug from us!
dyediaries

5/13/2019
Healthy Paws is THE BEST! My dog is 1 year old & had to get ACL surgery. They made it such an easy & smooth process! They paid directly to my clinic & there were absolutely no questions asked. I HIGHLY recommend them!!!!!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
dyediaries - We hope your pup is still doing well in their recovery from that major leg surgery. Happy to help with the direct payment of your bill to your veterinary clinic. Give your pup a big hug 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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