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Healthy Paws Pet Insurance Review

3,358 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 Do We Rate Healthy Paws?

Breakdown

4.5/5
Coverage
5.0/5
Cost
5.0/5
Extras

Our Overall Rating: 4.8 / 5 (Excellent)

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 - 4.5 / 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 / 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 - 5 / 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 - 5 / 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 - 5 / 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 - 5 / 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 - 5 / 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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3358 Customer Comments & Reviews

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Gary S

7/22/2018
My wife and I are very impressed with Healthy Paws Pet Insurance. Claims are very easy to submit online, with no lengthy forms to fill out, and claims are paid quickly with no quibbling. Our dog recently had expensive cancer surgery. It only took me a few minutes to submit the claim online, and the claim was processed and completed the same day! Shortly after that, the reimbursement was directly deposited into my checking account. I wish my own health insurance was as quick and easy to use as our dog's Healthy Paws insurance!

R
Ryan

7/21/2018
To be honest, I wasn’t very pleased and actually regretted getting pet insurance for my 3 year old French bulldog. He had pre-existing allergies and absolutely nothing was being covered. I was spending a pretty decent amount in fees every month (which was going up every year) and I highly considered canceling the insurance. Well, fast forward two years later, Healthy Paws has covered not one but TWO back surgeries for my poor French Bulldog who had been diagnosed with IVDD! Not only did they cover the surgery itself, but they also covered the MRI, intensive care, hospital stay and all the shots/medications. I cannot thank them enough for their assistance in my poor pup’s hard times. I... Read More

Aimie B

7/21/2018
For years, I tried to determine whether pet insurance was worth it and if so, which company to go with. And, now, I'm singing from the mountain tops that Healthy Paws is one of the best decisions I've ever made! For the last 2.5 years, we've been overjoyed with their customer service, responsiveness and ease of submitting claims. Even our old dog has sterling coverage that just recently saved his life as he was in and out of the hospital. Today, he is curled up at my feet snoring thanks to Healthy Paws. I cannot say enough good things about this company; they truly prioritize your furry family above all else.

Adriana O

7/20/2018
If it weren't for HealthyPaws, our boy wouldn't be alive today. My husband and I pay a little over $40 a month to cover our two cats. Last week, we had to rush our little boy to the ER when he became extremely lethargic. It turned out he was going into liver failure and they had to keep him hospitalized for four days. He developed diabetes and an intestinal and gall bladder infection and so we then also had to get him multiple medications, insulin and a feeding tube to help him get better. The final cost was over $5,000 and HealthyPaws helped cover it all. My husband and I are graduate students and would absolutely have not been able to afford it and would have either had to give him up or... Read More

J
Joe

7/20/2018
Healthy paws is a top notch company and came through when our dog Mabel ate a squeaker toy. My wife and I are so relieved that she’s safe and happy. Healthy paws has got us through the whole ordeal taking the cost of any medical procedure to help her out of the equation. We were able to make sure she got the best possible care. Paid the claims fast and it’s cut and dry with no confusion for the consumer. Thank you!

Claus S

7/19/2018
I cannot say enough good things about healthypaws. My dog is diabetic and they cover EVERYTHING, including needles and blood glucose curve. They even pay for Dasuquin, a supplement for joint health because he had knee surgery in the past. They paid for the surgery and more than 20 rehab visits. Recently, I spent more than 5K on cataract surgery, a result of his diabetes. The money was direct deposited in my account within days. All I need to do is upload a pic of the invoice via their app, done. I have literally saved thousands with healthypaws. And the best thing is that I never have to worry if I can pay for my best friend’s care. And you can’t put a price tag on that. Thank you... Read More

Jacob T

7/19/2018
So worth it, Healthy Paws is the best. Helped me and my pup get through a couple serious injuries.

M
Michelle S

7/18/2018
Our dog was diagnosed with IBD. Healthy Paws was great to work with and helped make difficult treatment options much easier. I’m very grateful to Healthy Paws for helping take care of our fur baby!

G
Gladys

7/17/2018
Trying to send a claim for two months, unable to upload it so have been trying to contact them by phone and-mail by no avail. Call and always let me waiting then after a while they disconnect. If I call around 5:30 they let me wait until 6 and then go hoe for the day. It is frustrating . Waiting to be able to send my bills and then start looking for another insurance. I am 84 years old, have had several dog insurances during my life and no one has so poor consumer service.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Gladys - We’re sorry that your customer service experience did not meet yours or our expectations. We pride ourselves on exceptional customer service and completely understand why you're upset. We see that you had an issue logging into your account in 2017 and that was resolved. Our customer care team will create a case for any and all phone/email communication. If there is an issue with a call or email and the case it not resolved, it is assigned to a team member for follow up. At this time, there are no cases in your account regarding current calls or emails. We take your claims processing concerns very seriously. If you are still having issues, please reach out to us and ask for a Customer Liaison Manager at 855-898-8991 or via our online contact form: https://www.healthypawspetinsurance.com/contact
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Wes

7/17/2018
Incredibly responsive and caring service. Wish we'd found HealthyPaws for our previous pets.

Top Rated
Our Partner

✅ Trusted by More than 620,000 Pet Parents

  • Reimburses Up to 90% of Covered Claims
  • No Max Annual or Lifetime Payouts
  • Backed by Chubb - a Trusted Name in Insurance
  • Covers Accidents, Illness, Hereditary Conditions & More
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