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Healthy Paws Pet Insurance Review

3,227 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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3227 Customer Comments & Reviews

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Jason L

11/1/2018
This is one amazing insurance company. Typically speaking, the bottom line of an insurance company is to mitigate their losses as best as possible while providing the bare minimum service needed to stay in business. You absolutely do not get that with Healthy Paws. They make sure your claims are paid in full and within a very quick reimbursement turnaround period. I have never waited more than 24 hours to get confirmation of my reimbursement for any covered medical costs. In addition to making sure I have the financial means to keep my animal family healthy, they take a personal interest in making sure both my animals and I are doing okay. For example, my dog was diagnosed with a... Read More

M
Melissa

11/1/2018
I have had pet insurance policies with 3 other companies and can say that Healthy Paws has BY FAR the best customer service and fastest claim processing of all of them. I have had 2 dogs with cancer, one with an eye injury and a fourth who required a splenectomy and have not had to jump through hoops one time to get a claim processed or been hit with a significant premium increase or had my coverage being changed (reduced) due to a carrier change as I have with other companies. They are definitely worthy of their high ratings!

B
Beth

11/1/2018
Healthy Paws is fantastic. I have covered my dogs with pet insurance for many years, including two other insurance companies. Healthy Paws is by far the best. My Dobe has two unforeseen surgeries in the past couple of weeks and Heathy Paws is incredible. The claim process is simple and their explanations easy to understand. They do not try to “weasel out “ of coverage with loopholes and legalese. The payments are quickly made via direct deposit. Thanks to Healthy Paws I have been able to concentrate on getting Lexie the care she needs and not on how to pay!

Christine C

11/1/2018
Coverage is exactly as described in our plan. Claims have been taken care of promptly and their customer service has been great (I’d called in several times to confirm I understood certain aspects of our plan’s policy). So far, so good.

Lizeth M

10/31/2018
I have an 11 month old Shar Pei that has had some medical issues. Cherry eye x2, tummy issues, and entropian surgery. Im so thankful we have insurance for our baby girl. Healthy paws app is great. You take a picture of the vet bill, upload it to the app and within days reimbursement straight to my account. Healthy paws staff also always check in on my baby whenever we submit a claim which is very comforting. I did alot of research when I was looking into purchasing health insurance and healthy paws was the best out there. If you are thinking about buying insurance look no further. This is the company for you.

Katharine N

10/31/2018
I’ve not been a customer for very long and we’ve already had a major injury. Our pit bull puppy tore both cruciate ligaments and needed a very expensive procedure. All of our paperwork was submitted and we were reimbursed within a few days. They’ve even emailed me numerous times asking how she is recovering. This is more than a company, they genuinely care about animals and want to help as much as possible. I can not recommend them enough. Excellent customer service, painless claims, professionalism, and caring employees. Our girl is going to be able to have a better quality of life because of Healthy Paws.

S
Sheryl S

10/31/2018
If you are looking for medical insurance for your pets, Healthy Paws is definitely is first rate in my opinion. I did a lot of research before choosing Healthy Paws a few years ago, and I settled upon this company to insure my two dogs with because of their high ratings, and the benefits that they offered was what I was looking for at the time. I am so thankful that I made the right decision A few weeks ago out of the blue, while my dog Chanel was sleeping, she woke up choking and started spitting up, and accidently inhaled some of what she was spitting up. It went into her lung and she was having a hard time breathing and her heart was racing. Since it was late at night I had to... Read More

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nancy

10/31/2018
My terrier/terror gets into trouble when she tries to eat inedible things (?!) and Healthy Paws has always come to her rescue with swift attention to our claims. We opted for 90% coverage/monthly pay, with the exception of preventive treatments, visits and foods. We have had no issue with claims-receiving a check in the mail soon after paying our vet. We are so grateful for Healthy Paws enabling us to provide all the medical attention that was needed.

Elena L

10/30/2018
Hands down the best pet insurance you can find, flexible coverage rate and reasonable monthly premium, plus the highly professional customer service team will make your life much easier. I love that how simple and easy to submit a claim, just download the app and take a clear picture of the invoice then you sit back and wait for your reimbursement. I will definitely recommend to my friends and families with pets.

K
Kristy P

10/30/2018
Healthy Paws has been a great fit for me and my furbabies. My 8 year old girl just had TPLO surgery for a ruptured CCL and my 6 year old boy previously had many issues related to IBS and it is a comfort to know that I have the support of Healthy Paws when making decisions related to their care. The decision turns into what is the appropriate care for my dogs, not whether I can afford the treatments. I find Healthy Paws to process my claims quickly and cleanly and they send me Explanation of Benefits that are easy to understand. I have spoken to their customer service a few times and find them to be helpful and friendly. I can't speak highly enough of this company.

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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