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Healthy Paws Pet Insurance Review

3,229 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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3229 Customer Comments & Reviews

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link.sasha

3/1/2022
We used Healthy Paws for health insurance for our Great Dane, Luna. We bought the insurance for her at birth and didn't use it for a few years, but then around age 4, she developed pneumonia, which required a short hospitalization and IV antibiotics. Then at age of 6, she tore her CCL. Healthy paws covered all of these treatments, a full CCL repair surgery (which is NOT cheap), AND her post surgery physical therapy. I've never encountered an insurance company that was so seamless and easy. Claims are processed quickly, and I've never been asked for extra documentation or had a denial. (Why can't human insurance be this easy?!) Luna is a happy and healthy girl now due to Healthy Paws. We... Read More

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Linda D

2/23/2022
Since bringing my pup home in late 2018, I've relied on Healthy Paws to help defray the enormous expense of various tests and treatments. They've always done so, with minimal effort on my part. Given how much anxiety comes with the unknowns behind my beloved dog's medical issues and the high cost of getting answers/treatment, Healthy Paws is such a blessing. And how many pet insurance companies follow up to see how your fur baby is doing afterwards? Healthy Paws did just that.

rporter39

2/22/2022
My dog is recovering from double cataract surgery, and her progress after 2 weeks is great. Her eyesight has been restored, thanks to a skilled veterinary ophthalmologist. I would also like to thank Healthy Paws for coming through for us and covering the considerable expense of the surgery.

dmterman

2/18/2022
Our greyhound, Jack, had two medical emergencies in 2021. First, over the summer, he was suddenly and inexplicably paralyzed, and needed tests, hospitalization and medication. I worried that the claims process would be a hassle but it was incredibly easy using the mobile app. Healthy Paws then managed follow-up w/the specialists and vet. They processed very quickly, also responded quickly when I had questions. Recently, Jack had another emergency and needed tests, hospitalization and surgery. Again, Healthy Paws quickly processed my claim. I should note that our new coverage year had turned over by this time and our premium did go up a bit, as expected. In their cover email and... Read More

mybluebell96

2/17/2022
I’ve never had a problem submitting a claim to healthy paws and they even checked in to see how my doggo was doing after her surgery! I feel really fortunate to have healthy paws, they process claims super quick and have great customer service.

gerberdaisy7

2/10/2022
Look no further! Healthy Paws made a TPLO surgery on our almost two year old mix breed a piece of cake! We paid 20% of the surgery the morning of, and Healthy Paws cut a check directly to the Animal Hospital after that. My dog is happy, and healing. App is easy to use. Their phones are always answered! The best!! Thank you Healthy Paws!!!!! We paid $800 for a $4500 TPLO surgery.

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Ebony H

2/10/2022
I have had only great experiences with Healthy Paws and have recommended to many friends who are looking for the best. Their programs are easy to understand and use and claims are the easiest I have ever used. I had an explanation within a few days and reimbursement within 3 weeks. Having this great insurance is a must for me so I can make difficult decisions about care for my pets with peace of mind. I strongly recommend Healthy Paws insurance for your pet.

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Elizabeth

2/6/2022
Our Dalmatian had emergency surgery and our claim was process EXTREMELY fast and we were reimbursed for our full policy amount. The Healthy Paws staff cared so much they reached out several times to see how he was recovering.

lisa.graichen7

2/5/2022
We've had Healthy Paws insurance for our dog, Baxter, since she was a puppy (she's now 6). She's had quite a few minor issues here and there over the years and Healthy Paws has helped cover her care. Recently, she had a blown CCL (basically the dog equivalent of an ACL) and needed x-ray, surgery, meds, etc. Having Healthy Paws made this expensive surgery feasible for us and helped reduce some of the stress of the situation! We even were able to set up direct pay between Healthy Paws and the vet, rather than having to pay the whole cost and go through reimbursement. That was incredibly helpful and it was an easy process despite a quick turnaround. They've been very responsive and even... Read More

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Larry M

2/3/2022
Healthy Paws comes though again for my Boerboel, Willow! I can't say enough of the piece of mind Healthy Paws has given me in giving my dogs the best options for and support in their various health issues through the years! Recently my Willow had some troublesome masses removed from her side. Thankfully they turned out benign! Hopefully her 10" scar becomes less noticeable in time. Healthy Paws came through in supporting 90% of her surgery and care, exactly has my plan states! They even follow up on her status in the healing process seeing how she is doing! Anyone that know me, knows that my Dogs are my kids and Healthy Paws has helped me keep them alive through some very expensive and... 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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