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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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Mike W

10/23/2018
FOR THE PARENTS OF PETS RIDING ON THE FENCE ABOUT PET INSURANCE***DON'T!!!! I was one of those parents and my personal experience was extreme gratitude for finding and enrolling in Healthy Paws Pet Insurance. My 1yr old powder puff fractured leg and screaming in pain. Took him to animal hospital and of course the invoice is enough to shatter your finances. My insurance reimbursed me and I was surprised on how quickly they paid me. You would not do without health insurance for any member of your family. Isn't your pet part of your family? I'm not being paid for this review and it is an honest assessment of my personal experience with this worthwhile establishment. Here's a... Read More

J
JLO

10/23/2018
We’ve been part of the Healthy Paws family since our Yellow Labs, Raffles and Nina, were Babies. Raffles will be 9 in just a week and Nina will be 7 in February. They are our Babies, the loves of our life. When Raffles was 5, he was diagnosed with a mast cell tumor on his stomach, after it’s removal, he required 16 sessions of radiation treatment. About 2 years ago, he was playing and sheared off his lower canine, he had a root canal and a titanium crown put on. (The removal of a canine tooth is very difficult on a dog because of the extremely long nerve, often resulting in the dog’s jaw breaking, which is why we chose a root canal and a crown for Raffles.) Just 3 weeks ago,... Read More

Kim M

10/21/2018
Thank you so much. I don’t know what we would do with out Healthy Paws. Reggie had cancer removed. Still have check ups to do. Again thanks and god bless you. You are Lifesavers and the best. Thank you again

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Siana w

10/20/2018
Healthy paws has been so amazing. Our young cat stampy would not be with us today, twice over, if it wasn’t for them. Stampy has managed to eat something twice now that required surgery to remove or she would have died. Filing a claim with healthy paws was very easy and straightforward. And we were shocked at how fast they worked through everything and closed out the claim. We had to borrow from a close friend for this and the reimbursement check came within a week. So we were able to pay our friends back quickly. Thank you so much everyone at healthy paws!

Richard M

10/19/2018
Our weimaraner Sitka, at 14 months, got a severe case of pneumonia and nearly died. After four days at a veterinary specialty hospital, on IV fluids, 2 antibiotics and oxygen, she survived and is back at full health. As one can imagine it was all quite expensive, racking up over $8,000 in bills. The people at Healthy Paws came through promptly with care and professionalism. Two weeks from submission to payment, with a personal note in between asking how she was doing. Healthy Paws is the best.

Francine b

10/19/2018
I have had Healthy Paws for 10 years and in the past year my 15 (he came to me as a 5 year old rescue) year old dog has had 2 operations and 1 stroke. Healthy Paws was there for me and the amount of money I was reimbursed made all the difference in my decision to get the operations or not. I had 2 other Pet Insurances in the past but going forward, Healthy Paws is the only insurance that reimburses the most.

R
Reese

10/18/2018
I can't speak highly enough about Healthy Paws. I got a Havanese puppy at 8 weeks old and insured him with them after a lot of research. Thank goodness I chose them. At 9 months my little guy had two adult teeth stuck underneath impacted bone. We had to pay $2k for a dentist to drill the bone away from his teeth and I was certain no insurance would cover dental work and if they did I thought his case would be excluded , but they actually covered it! And then, about 2 weeks later they actually emailed me to follow up and see how he was feeling which I thought was super sweet. And the email did not read as if it was auto-generated, so it was nice to see they actually care. Id give them... Read More

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Cara C

10/18/2018
Our two year old Goldendoodle, Sammy, was diagnosed with pythosis. He needed emergency surgery, biopsy and further treatment. Our vet bill was beyond our means had it not been for Healthy Paws insurance. I purchased the insurance when he was three months old, NEVER considering that it would have to be used in such horrific circumstances. Our Sammy is not out of the woods, but we are believing that with the help of our vet pand Healthy Paws, he will be with us for many more years. I have submitted numerous claims. Each submission was handled quicky by Healthy Paws and a reimbursement check was issued within a week! Amazing company. Without the insurance, we would have been forced... Read More

S
Surya S

10/18/2018
This is the best insurance anybody can rely on! Our puppy was a cryptorchid and Banfield did a crappy job on the neuter surgery. I had to transport him to SVS for an emergency abdomen exploratory because Banfield wasn't sure if they severed his ureter or vas deferens. It was a very stressful time as he had to go under 3 times in 24 hours. He was just a 6 month old puppy! And it cost me like $4500 totally from start to finish. Healthy paws covered all the cost 90% (as per my plan). It included even the rehabilitation laser therapy for his incision. I was really impressed that an insurance company cares so much that they would even cover such optional therapy costs. That's something! I wish... Read More

Kimberly S

10/18/2018
My little havanese dog , Carlos, has had Healthy Paws Pet Insurance since 2012 with 90% reimbursement coverage. I have had to submit a few claims here and there (digestive issues, blood tests, x-rays, stomach bugs) and never had an issue with prompt reimbursement and excellent Customer Service. What has really made me want to rave about them is my dog was in need of emergency surgery a month ago after a vicious dog attack. I was beside myself with stress and worry, but Healthy Paws reimbursed me within one week over $4,000 and followed up to check on Carlos. They go above and beyond and would recommend them highly for anyone seeking outstanding pet insurance. I'm happy to say my dog... Read More

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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