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Healthy Paws Pet Insurance Review

3,228 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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3228 Customer Comments & Reviews

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D
Deb

1/11/2019
The best thing I ever did for my pets was to get insurance. It was hard enough to handle my dog being hospitalized during the holidays but knowing my Healthy Paws insurance would cover their portion of the cost relieved a lot of stress. The claim process is simple and the refunds came quickly. I highly recommend them.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Deb - We know it had to be hard having a sick pup during the holidays and glad we could relieve some of the stress. We're happy you found our claims process easy and the reimbursements prompt. We hope you and yours have a happy and healthy 2019!
dezereeadair

1/10/2019
So thankful and helpful to have this insurance. Wonderful and quick customer service.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Dezereeadair - Thanks for your kind words. We're glad to be there when you and your furbaby need us.
Claire C

1/10/2019
We adopted our first family dog in May of 2013 and went back and forth as to whether or not to buy Pet Insurance. In the end, we decided to go for it and went with Healthy Paws as we thought they measured up favorably against competitors. We have been paid-back ten-fold since. A year after we got our beloved Nicco, he developed a limp in his front paws due to a congenital defect in his front elbows. He was 1 at the time and required surgery on both front elbows. This was scary for us but we felt like we had a really partner in Healthy Paws through it all. We've since had 2 trips to the emergency room with Nicco and every time we are so grateful to have Healthy Paws on our side. Their... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Claire - So happy to have you and Nicco as part of the Healthy Paws family! Thanks for all of the kind words about our outstanding customer care team. Give Nicco a big hug from us and have a great 2019!
A
Alison

1/10/2019
I wish my personal health insurance was a great as the one my dog has via HealthyPaws! The app is extremely easy to use, making submitting a claim and getting reimbursed a breeze. The company cares about my pet and responds to my needs quickly and efficiently. The coverage is phenomenal, there are no fine print clauses to exempt a condition, and they are not that expensive. Their coverage sounds too good to be true (reimbursing you for a trip if you have to come home early due to your pet's injury or illness), but they hold firm to everything they promise and more! I swear by HealthyPaws and will stay with them for all my pets.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Alison - Thanks for all of the kind words regarding our coverage and efficient reimbursement process. We're happy we can play a part in making sure your baby has access to the best available medical care. We hope you and yours have a happy and healthy 2019!
K
Kevin O

1/9/2019
Chief is our 2 year old Border Collie who we have owned for 6-7 months. On the first Saturday in December he was running around our yard as he always does and he slipped, caught his right hip on a raised flower bed and sustained a fracture/dislocation of his right hip. We were devastated. We took him to the ER and we were told he would require major surgery to correct the problem. Surgery went well and Chief is now going through rehab to help with his functional recovery. We submitted our invoices to Healthy Paws. They have been great! All claims have been handled professionally in a very efficient manor. We are kept appraised of claim status from submission to completion. There is so... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kevin - We appreciate all of the kind words about how your claims were handled and the professionalism of our team:) All of us at Healthy Paws hope that Chief continues to do well in his recovery from his fracture/dislocation. Give Chief a big hug from us!
Chris M

1/9/2019
I’ve been using Healthy Paws since I adopted my puppy 4 years ago. They offer a number of coverage options, and the claims process is simple and straight froward. It really is a breeze working with Healthy Paws! Recently, my little guy had to recieve back to back surgeries. The first for an obstructed intestine, then again for a post surgery infection. As you can imagine, the bills piled up. Healthy Paws reviewed and settled both claims so quickly, I didn’t even have time to be stressed! I can’t say enough how nice it was to be able to focus on my pets recovery. It was such a seamless experience, I mention how much Healthy Paws helped me every time someone asks about my pets... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Chris - We're so sorry your buddy had go through all of that. Happy that we could relieve some of the stress. We appreciate all of the kind words regarding our claims process. Give your boy a great big hug from us!
trippy l

1/8/2019
This is the second time I have unfortunately had to submit a claim. It is stressful enough dealing with a sick dog. Healthy Paws is wonderful. Claim is easy to file and I was paid four days after submission, and this included the Christmas holiday. Also, they always follow up with an email to check on my dogs well being. I am so thankful for Healthy Paws. My sister, who is a veterinarian, now recommends Healthy Paws to her clients because of my incredibly positive experience.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Trippy - Thank you for your kind words and we really appreciate the recommendations from your sister:) We're glad you find the claims submission process easy and the reimbursement process prompt! Give your baby a big hug from us!
Ron C

1/8/2019
Our German Shepard needed major back surgery for a ruptured disk. Not only did Healthy Paws cover everything they promised but everyone I spoke to was not only professional and courteous but caring and very sweet. We had the payment in hand within 7 days from sending in the invoice. We are so impressed with Healthy Paws we would recommend them to every pet owner.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Ron - Thanks for the kind words regarding our customer care team:) We hope your baby continues to do well in their recovery from that back surgery. Thanks for being part of the Healthy Paws family and have a great 2019!
Tracy M

1/7/2019
We have a 6 month old golden retriever. After he ate a bee at 3 months old and had a massive reaction that required hospitalization and cost us over $3,000, a co-worker told me about Healthy Paws. I looked into it and also compared the coverage, cost, benefits, cap, etc. to other pet insurance carriers. Ultimately, we decided to go with Healthy Paws.... THE BEST DECISION EVER! My little trouble maker ate something from the laundry hamper and had to have a major surgery to remove the item from his stomach. The surgery was nearly $7,000!! After I got over the initial shock and he was back home with us, I submitted a claim via Healthy Paws' mobile app, which was a super easy process. Within 3... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tracy - Happy we could be there to help with your boy's major tummy surgery. We appreciate your words of support. Glad you find our phone app easy to use. We hope you and yours have a happy and healthy 2019!
Jessica F

1/7/2019
I am so incredibly grateful for Healthy Paws. We purchased pet insurance about a month after we adopted my dog, Peanut. Peanut was neglected prior to adoption and unfortunately developed health issues shortly after we got him, such as pneumonia and heart worm. Healthy Paws has 80% of covered pretty much everything besides wellness visits, which is amazing. If it wasn't for HP, we'd be having serious financial hardship right now, especially with how much the heartworm treatment ended up costing. While we are nearing the end of the road with the heartworm treatment, we're not quite done, but being able to not have to worry about paying for treatment really allowed us to just focus on the... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jessica - We're so happy Peanut is nearly finished with the heartworm treatment. We appreciate all of your kind words and glad we can reduce some of the financial stress and let you focus on your boy. Give him a great 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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