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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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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!
Vicky G

5/13/2019
Healthy Paws has been the best company I have ever worked with. They have been there for 2 of my dogs, one had Epilepsy and the other one Osteosarcoma. I am a firm believer in Pet Insurance, and I love Healthy Paws, I refer every pet parent I know to them.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Vicky - We're glad we can play a part on making sure your babies have access to the best available medical care for their illnesses. Thanks for your kind words and give the pups big hugs from us!
J
Joseph L

5/11/2019
I wasn't sure whether to get pet insurance when we brought home a new kitten. I was a bit skeptical. I decided to purchase pet insurance through healthy paws. I was an easy online experience. I submitted a few minor vet invoices and the healthy paws website was super easy to drag and drop everything. Response time was extremely quick and with very detailed explanations. Our kitten developed some respiratory problems and after some extensive exams, the bill was quite large. I knew this would be the test for healthy paws. I submitted everything and within 48 hours I had a decision and healthy paws paid in accordance with the policy. I received the check within 48 hours. The best... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Joseph - We're sorry your kitty was having those respiratory issues and hope the recovery is going well. We appreciate your kind words regarding our policy and reimbursement process. Give your kitty a big hug from us!
Andrea B

5/11/2019
I have had nothing but great experiences with Healthy Paws and have recommended to all pet owners I encounter. They have always made me feel assure that my dogs have access to the best care possible. Couldn't ask for a better pet insurance for my fur babies :)

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Andrea - Thanks for all of your kind words! Give your babies big hugs from us!
L
L. M

5/10/2019
Have had no issues with them paying claims. And the premiums are reasonable. Kobe recently fractured a tooth & needed to have surgery to extract the tooth . When doing the pre- surgical bloodwork the vet was concerned cause one of his liver enzymes was elevated so he ordered an ultrasound. He was diagnosed with gallbladder cholestasis ( slow moving bile) & needed to be put on 2 meds - one for the gallbladder & another for liver support . Both are very expensive & healthy paws has cone through and paid all claims. So happy my neighbor recommended them. I recommend healthy paws to all who ask me for recommendations

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
LM - We're sorry that Kobe had to have oral surgery and glad that bloodwork led to treatment for his gallbladder issue. Give your boy a big hug from us!
Jan F

5/9/2019
I can’t say enough about how wonderful Healthypaws is. Unfortunately, I have a very sick little dog who needs loads of medical care and medication. There are never any issues about paying her claims, I send the bills via their website, within a day I get a confirmation of receipt, I’m updated when claim is processed and within 2 weeks I receive a check, it’s that simple. I don’t know where my little Buttons would be without them.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jan - We're sorry that Buttons hasn't been feeling well and glad we can be there to help. Thanks for all of your kind words:) Give Buttons a big hug from us!
burnham6090

5/8/2019
We had a German Shepherd that past at the age of 16. Towards the end of her life she had some hip concerns but overall she was healthy and major issues free. She past in 2012. After much consideration it felt right when I was introduced by a co worker to this wonderful litter of puppies. We never had pet insurance in the past but with todays costs I researched pet insurance and I am so happy to have selected Healthy Paws. If not for Healthy Paws we would be in a terrible predicament. Our 10 month old German Shepherd torn her left ACL, could barely walk , after sedated x-rays and medication she could manage bathroom walks but needed surgery at the cost of... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
burnham6090 - We're sorry your girl had to have that major leg surgery, but glad to hear she is doing well in her recovery. We appreciate all of your kind words. Give your baby a big hug from us!
Darcy R

5/7/2019
We got a puppy from a reputable breeder 2 years ago, who has subsequently had 2 bowl obstructions and a broken leg, in addition to a recently diagnosed liver condition (all that in 2 years). I have been SOOO thankful for the Healthypaws pet insurance that we purchased when we first got her. Without it, we definitely would have needed to put her down. The surgeries have totaled about $16,000 in 2 years, and Healthypaws has never balked or let me down. With all of the care that our dog has received this year, I was nervous that they would hike my monthly rate up , but it only increased by $4.00 a month. Amazing! The plan is easy to work with (I put the bills on my credit card, and... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Darcy - Your pup sure has been through alot over the last two years! We're glad we can play a part in assuring your girl has access to the best available medical care. Thanks for the kind words about plan and claims processing. Give her a big hug from us!
J
Joann

5/6/2019
I have been a Healthy Paws customer for about 5 years now and have 2 policies, one for each of my dogs. When I purchased these policies I expected filing claims to be tedious, to be denied constantly, and to want to cancel. Let me tell you how I couldn't have been more wrong. This company is hands down amazing. Filing a claim takes me seconds online, the customer service is ABOVE top notch, they actually care, (Mary in customer care provided me with the best experience I have ever had when dealing with a company.), and my claim has never been denied. They cover what they say they will. If you do your research and read your policy, they break it down exactly how it is. No surprises. I will... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Joann - We appreciate you being part of the Healthy Paws family over the years. Thanks for all of the kind words about our customer care team, coverage and claims processing. Give your babies great 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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