Healthy Paws Pet Insurance Review

Rating: 9.8 / 10 (Excellent)
1,333 Customer Comments & Reviews - see all comments
Disclosure: We receive advertising revenue from this partner. 
Learn more.
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.

How is Healthy Paws rated?


Benefit Limits
Claims and Service

Overall Rating: 9.8 / 10 (Excellent)

Healthy Paws consistently ranks highly across all of our ranking factors. The company offers solid, comprehensive coverage with no caps of any kind. They reimburse you on the cost of your actual vet bill and there is no limit as to for what and how many claims you can make. Healthy Paws provides all of this at a price the same as, or even lower than less comprehensive plans.

Healthy Paws Coverage

Coverage - 9 / 10

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
Coverage Types
Vet Selection
Out-of-State Coverage
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 - 10 / 10

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 of only 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 (i.e. not a pre existing condition) there is no limit to what the company will pay to make your animal well. For example, 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.
Benefit Limit Types

Reimbursement & Deductibles

Reimbursement - 10 / 10

As with deductibles, Healthy Paws is in line with the industries 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.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement

Deductibles - 10 / 10

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. Obviously if you go with the $100 deductible you'll get a higher payout per incident, but you are going to be paying a higher monthly premium as well.
Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does Healthy Paws cost?

Pricing - 10 / 10

Considering no limits of any kind, and the customizable payout percentages and deductibles, Healthy Paws plans are reasonably priced and even cheaper than less substantial plans. What's more, the company also offers a host of discounts, including special rates for members of AARP, AAA, and Costco.

Starting Monthly Premiums

Rate Details: Annual Deductible: $500, Benefit Cap: Annual & Unlimited, Reimbursement Model: 70% of Annual Cost
Available Discounts: 10% Lifetime Discount for Animal Welfare Volunteers, 10% Lifetime Discount for Association or Alumni Organizations, 10% Lifetime Discount for Membership Groups such as AAA, AARP, and Costco, 15% Lifetime Discount for Employer Sponsored Plans, 10% Lifetime Discount for Military Service

Enrollment & Waiting Periouds

Enrollment - 10 / 10

Healthy Paws enrolls pets 8 weeks and older. While some companies have no upper age enrollment restrictions, Healthy Paws limits coverage to 13 years old and younger. Similarly, where some companies offer accident coverage almost immediately, Healthy Paws has 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
13 years
Accident Waiting Period
15 days
Illnesses Waiting Period
15 days
Free Look Period
30 days

Claims & Service

Claims and Service - 10 / 10

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 and 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. Claims are generally processed within a few days.
Advertised Response Time
Claim Form
Online Portal
Mobile App

Contact & Additional Information

Homepage URL
Headquarters Address
1229 120th Ave NE Ste C, Bellevue, WA, 98105
Mailing Address
P.O. Box 50034, Bellevue, WA, 98105
Year Founded

Leave a comment for Healthy Paws Pet Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

1333 Customer Comments & Reviews

Loading Reviews ...
Trina R
San Jose, California

I am so happy that I enrolled my dog in Healthy Paws pet insurance. I have had Healthy Paws pet insurance for the past two years for my Labrador. Recently my dog ate a rock and had to have surgery to remove the rock. Healthy Paws was easily accessible when I called asking if this surgery would be covered. Healthy Paws processed the vet bills within two days - the bills were easily uploaded through the Healthy Paws app. They sent me emails to let me know what my plan would pay out, and have sent me reimbursement. They even contacted me to see how my dog was recovering. Healthy Paws pet insurance is wonderful. I recommend this pet insurance to all my family and friends.

Ruth B
Los Angeles, California

I would never again consider owning a dog without the coverage of Healthy Paws Insurance. I never want to be in a situation to have to make a decision due to cost. With Healty Paws you have the piece of mind to make all the right decisions. I'm also happy to pay the monthly payment because they are a foundation as well and the money goes to helping other animals. Easy to submit a claim with excellent communication. Riembursement is quick so you can free yourself to take care of your babies. Thank you so much Healthy Paws.

Alejandra G
Los Angeles, California

Thank you so much for your service, your company is the best and I really appreciate everything you have done for us. I don't think Akira would be with me here today If it wasn't because of you.

Taylor B
Aspen, Colorado

I just had the most amazing experience with Healthy Paws Pet Insurance. I purchased Pet Insurance a few months and I am so glad I did. Today was the third time I took my puppy to the vet this week as he has been throwing up and not eating. His vet bills were $400 from earlier this week and today he ended up have a surgery (to remove an object he swallowed) that cost an additional $1,800. Healthy Paws has been so amazing through the whole stressful process. They have been so friendly, compassionate, and so easy to work with! I submitted my first two claims with their super easy iPhone app. When I was told he was going to have surgery I called Healthy Paws to see if there was anyway they... Read More

Leo C
Sammamish, Washington

We've been with Healthy Paws for almost 2 years now. Great coverage and customer service.

Toni V
Las Vegas, Nevada

Both my Weimaraner pups were covered immediately after their health check at 8 and 9 weeks. My experience with Healthy Paws has been absolutely fantastic. The staff has been supportive, professional and my claims have been processed and approved 99% of the time same day or next day with checks sent out and received within 5-7 days. I could not ask for a better insurance company for my fur babies.

Jennifer D
Fulton, New York

I signed up my retriever mix rescue puppy on the advice of her vet because she liked to swallow non-edibles. I decided to go with Healthy Paws because unlike most companies, they will cover hip dysplasia if not found in the first 12 months of the policy coverage. Unfortunately, my dog hurt her knee and had to have it repaired surgically. I had opted for 90% coverage and a $250 deductible. In our circumstance we pay $31 per month for a 70 pound retriever. I received my 90% reimbursement in the form of a check less than 2 weeks after submitting the vet bill. Since I was reimbursed over $2k, I feel as though having pet insurance has already paid for itself for the next several years! I... Read More

Christina L

I got pet insurance months ago because my work discounted it for me. I kind of thought it was silly, but then I purchased it and paid the $20 a month. Seeing how I can spend $20 for a meal and not think about it, I figured I could spend $20 a month for my pet and not think about it. Time went on and very unexpectedly my cat spiraled down with kidney ideas. I watched my credit card go from $100 to $1,500 in one week for bloodwork, xrays, medication, and more. I submitted a first time claim online and Healthy Paws reembursed 80% of everything because it was plan I selected. It was such a relief to know that my pet was covered in an emergency situation for the cost of a night out.


I just signed up with them based on their reviews. I took the $250 deductible with 90% reimbursement. I hv a 6 month yellow lab puppy now. I hv had a few things go wrong with him. Nothing major. I did not realize they do not pay for the visit if you go to the vet to get your dog looked at to find out what the heck is wrong with them. Was my fault not looking at the fine print. Seems they are all like that. I know none cover anal glands. But both times when I put my claim thru my phone app, they did not follow through! I read reviews how fast they process your claim and you get your check fast. Well that has not been the case with me. I kept looking at my phone, and the... Read More

Shannon H
Escondido, California

I am extremely pleased with my pet insurance with Healthy Paws. Never in my life have I experienced customer service like Healthy Paws; especially when dealing with claims on ANY insurance company. I've always been skeptical about the need for pet insurance but after my previous cat's accident and losing thousands of dollars towards his care, I vowed to look into pet insurance if I decided to get another pet. We did end up with a purebred Maine Coon named Gideon (GiddySmalls on Instagram - he's kinda famous - haha). I did extensive research and wanted the best coverage. Healthy Paws stood out. Still skeptical, I had some incidents that needed coverage. They were small claims so... Read More

Top Rated
Our Partner
9.8 / 10
  • Consistently #1 in customer satisfaction, A+ BBB
  • Chosen by almost 90% of visitors
  • Comprehensive illness and accident coverage
  • Unlimited lifetime benefits + no claim caps!
  • Annual deductible (recommended)
  • Free mobile app & no claims forms