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Healthy Paws Pet Insurance Review

3,231 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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3231 Customer Comments & Reviews

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L
Lorlee

8/28/2018
I have Healthy Paws on my 3 dogs. Great coverage, your choice of deductible and reimbursement. With Healthy Paws I was able to treat a puppy's heart condition. Quick review and reimbursement.

K
Katelyn D

8/27/2018
Healthy Paws makes pet insurance simple. Claims can be uploaded straight onto the website, and they are settled very quickly. They checked in on our pup after a major surgery. I have only good things to say about this company!

Haylee W

8/27/2018
Upon rescuing my Sadie, I thought pet insurance would be a good way to be covered in case something terrible were to happen. I knew in that case, I would be able to focus on getting her better instead of wondering about money. She has been covered since 2016, and each time something has cropped up with her since then, healthypaws has helped me to be able to take care of my girl. Being a college student is already so expensive, but it was 100% worth it to sign up with them. Had I not, I would't have had the funds to cover the last 6 months worth of emergency visits from Sadie's new diagnosis. Our vet bills in just the last month have been over $2000.00, but because of healthypaws, I have... Read More

Sharon H

8/27/2018
We have had an excellent experience with Healthy Paws--their online claims filing system is fast and efficient and they just paid a very large claim for one of our dogs who was catastrophically ill with no hassle at all (and followed up to inquire about how he was doing). When was the last time your human insurance did that? Love this company.

D
Duru

8/27/2018
When our dog Dory needed an emergency surgery, Healthy Paws helped us the best way possible. Excellent customer service, they handle everything with the fastest and easiest way possible. I am glad we picked the right insurance for our little furry baby!

S
sharon

8/27/2018
Prompt and easy to fill out claim forms-- VERY fast response-- no issues whatsoever. A must for any family that is owned by a Lab ;)

Howie W

8/27/2018
Dear Jennifer Sherwood Healthy Paws Ins, Healthy Paws Pet Ins & Foundation Hopefully this email will get to Jennifer Sherwood at Healthy Paws and the help desk. I have never seen any insurance co. go above and beyond service like Healthy Paws did with Emma Warren. The Warren Family wants to Thank you very, very much, form the bottom of our hearts. Emma is not just our fur baby, she is a part of this family, she is our daughter, and sister, and we love her with all our hearts. Thank you Warren Family

Matt H

8/25/2018
I'm not sure if anyone will read this, but from the bottom of my and my family's heart, thank you. All of you. My dog/daughter, Piper, is everything to me and my family and I'm not sure that I would've been able to provide the care and support that your company has assisted us with. It means the world that your team has been loyal to us through Piper's trying times and I cannot articulate how heartwarming it is to know that healthy paws has stood by us. You truly do work that makes a world of a difference and have helped Piper recover through her toughest trials. Thank you, heathy paws family. Sincerely, Matt, Elaine, and Piper

Lauren H

8/23/2018
My pup had an emergency with 3 vet visits within 24 hours. I took a photo of the receipts, uploaded to the app and had the reimbursement within a few days. Being able to focus on my dog getting better and not the bill was a huge relief. I can’t express how happy I am with HealthyPaws.

Brielle E

8/23/2018
My husband and I were just talking yesterday about how this is probably the single best purchase we’ve ever made. We love our dog more than we can put into words, but there’s no denying that he’s a been a bit of a lemon. Not only has he required surgery on two knees, but he’s also needed emergency intestinal surgery. On top of all of that, he’s epileptic, requiring three different medications each day as well as various supplements. Healthy Paws has covered 90% of everything that’s ever happened and the ease of submitting claims is ridiculously easy. They go above and beyond covering the bare minimum, instead allowing us to pursue physical therapy, as well as holistic treatment for our... 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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