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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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Sharon W

4/23/2019
Having been a dog owner/lover for 25+ years, I can say without reservation that Healthy Paws has been the BEST pet insurance company we have ever dealt with! Our previously healthy 2 year old rescue suffered from liver damage likely due to a NSAID medication prescribed by our vet. After a brief hospitalization and liver biopsy - we finally have a treatment plan for our baby Jack. Healthy Paws were with us at each step and reimbursed us within two weeks of the original diagnosis. It was fast and easy. They even emailed to check on our boy. (Thanks Tim). Highly Highly Recommend!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sharon - Glad we could play a part in making sure Jack had access to the best available medical care to deal with his serious liver issue. We appreciate your kind words regarding our customer service. Give Jack a big hug from us!
Debbie S

4/23/2019
I don't know how I would have gotten through my dogs hip replacement and the loss of my other dog to cancer without Healthy Paws. In a matter of 3 months, both my dogs incurred over $20,000 in veterinary bills but having Healthy Paws made everything a little less stressful. They were always fast at reimbursing my payments and very friendly service.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Debbie - We're so sorry for your loss. Glad we could be there to help with your pup's major hip surgery. We appreciate the kind words about our claims processing and customer service. Give your baby a big hug from us!
J
Jeffrey S

4/21/2019
Healthy Paws is great! Easy to sign up. Easy to submit a claim. Excellent customer service.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jeffrey - Thanks for your kind words! Happy to you and your baby as part of the Healthy Paws family.
D
D C

4/19/2019
Nothing but great experiences with Healthy Paws. They process my claims quickly and I receive reimbursement within 2 weeks of submission of my claim. I would highly recommend them!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
DC - Thanks for the recommendation. We appreciate your kind words about our claims process and quick reimbursement:)
Robin G

4/18/2019
I have been a Healthy Paws parent since 2012. In 2007 we spent $22,000 saving a dog who was like a child to us. I swore I would never do it again. He lived 10 more happy years. In 2012 I lost another dog because I couldn't afford the surgery. I was heartbroken. Healthy Paws has been there for me ever since. Their rates are comparable or better than even a large employer group plan. You can customize the plans to your needs. The staff is very helpful and friendly, always recognizing milestones with an acknowledgment. Their system for uploading vet invoices couldn't be easier. I get home from the vet, log on with my phone, snap the picture of the invoice and it is uploaded... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Robin - Thanks for being part of the Healthy Paws family over the years. We appreciate your kind words about our easy to use phone app and quick claims processing. Glad we could play a part in making sure your puppy had access to the care he needed for that foreign body surgery. We hope he is doing well in his recovery. Give him a big hug from us!
Jordyn M

4/18/2019
My partner and I adopted a deaf Australian Shepherd puppy named Lola (~6 months old). Roughly 4 months after having her we noticed her front leg was growing very crookedly. We consulted with our vet who said Lola had what is called an angular limb deformity, and recommend that we go forward with surgery so Lola can have the best life possible as she grows older. Our bills ended up totaling around $5,000 and Healthy Paws was so incredibly supportive through the entire process - beginning with the initial x-rays to providing support post-surgery. They were quick with payment and every time I called I had an agent that was immediately helpful. My partner and I are thankful that we decided to... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jordyn - Happy to play our part in Lola's major leg surgery and reduce some of the financial stress. We appreciate all of your kind words about our customer care team and claims process. Give Lola a big hug from us!
Julia H

4/18/2019
I have had many dogs throughout my life, and have dealt with numerous pet insurance companies. Many of the insurance plans are okay, but many have lifetime limits, don't cover common injuries such as CCL tears, or offer separate policies to cover catastophic illness such as cancer. Not so with Healthy Paws. My pit bull has been insured with Healthy Paws for 8 years now. 6 years ago he was diagnosed with an autoimmune hepatitis, which involved not only his liver, but his gall bladder and common bile duct as well. He requires very expensive immunosuppressant drugs daily, along with frequent lab tests and ultrasound exams. Over the past 4 years, my boy required surgery to repair... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Julia - Thanks for taking the time out of the day to write your extensive review:) We're happy we have been able to play a part in making sure your boy has access to the best available medical care for his illness and surgeries. We appreciate the kind words about our claims processing and customer care. Give your boy a big hug from us!
B
b

4/16/2019
We are experienced pet parents, and experienced with medical procedures and insurance. Everything comes together in the best of the best with Healthypaws. We did not use much insurance for years since my dog was hale and hearty. Last spring she contracted cancer and we faced difficult decisions about how to balance quality of life, health care costs and love. Healthypaws was kind to us when I contacted them about her condition, helped us locate treatment options, and always processes the claims quickly. We have had an extra year of good life together we could not have afforded otherwise. I will never have a pet without Healthypaws as part of our family!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
B - Thanks for all of your heartfelt words. We're glad we can be there while your girls deals with her cancer treatment. Give your girl extra hugs from us!
ibaranov.elec

4/12/2019
Copper did really well with both procedures, the hardest part was keeping him calm! We're just so happy we caught everything before there were more significant health consequences. We really appreciated the coverage and smooth claims process. As a veterinarian, I know the difference it makes in these situations. He's such a fun-loving and affectionate boy! We're so lucky to have him and to be able to keep him healthy. Thank you Healthy Paws for helping us!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
ibaranov - We're so happy that Copper did well with his procedures! We appreciate the kind words about our coverage and claims processing. Give your boy a big hug from us!
R
R. B

4/12/2019
My 3yo chi mix lost function in her hind legs in a span of 24 hours. When the specialist told me how much her surgery would cost, I did not hesitate one second because I new Healthy Paws would come through for her. I did not have to choose between a mortgage payment and my best friend's health! She is now fully recovered and back to driving me crazy!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
RB - We're so happy your girl made a fully recovery! We appreciate your kind words and glad your policy allowed you to get her the best medical care possible without stressing about the cost. Give her 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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