Healthy Paws Pet Insurance Review

Rating: 9.8 / 10 (Excellent)
1,480 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.

How is Healthy Paws rated?


Benefit Limits
Claims and Service

Overall Rating: 9.8 / 10 (Excellent)

Healthy Paws consistently ranks highly across all of our ranking factors. The company offers solid, comprehensive coverage with no caps of any kind. They reimburse you on the cost of your actual vet bill and there is no limit as to for what and how many claims you can make. Healthy Paws provides all of this at a price the same as, or even lower than less comprehensive plans.

Healthy Paws Coverage

Coverage - 9 / 10

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
Coverage Types
Vet Selection
Out-of-State Coverage
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 - 10 / 10

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 of only 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 (i.e. not a pre existing condition) there is no limit to what the company will pay to make your animal well. For example, 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.
Benefit Limit Types

Reimbursement & Deductibles

Reimbursement - 10 / 10

As with deductibles, Healthy Paws is in line with the industries 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.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement

Deductibles - 10 / 10

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. Obviously if you go with the $100 deductible you'll get a higher payout per incident, but you are going to be paying a higher monthly premium as well.
Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does Healthy Paws cost?

Pricing - 10 / 10

Considering no limits of any kind, and the customizable payout percentages and deductibles, Healthy Paws plans are reasonably priced and even cheaper than less substantial plans. What's more, the company also offers a host of discounts, including special rates for members of AARP, AAA, and Costco.

Starting Monthly Premiums

Rate Details: Annual Deductible: $500, Benefit Cap: Annual & Unlimited, Reimbursement Model: 70% of Annual Cost
Available Discounts: 10% Lifetime Discount for Animal Welfare Volunteers, 10% Lifetime Discount for Association or Alumni Organizations, 10% Lifetime Discount for Membership Groups such as AAA, AARP, and Costco, 15% Lifetime Discount for Employer Sponsored Plans, 10% Lifetime Discount for Military Service

Enrollment & Waiting Periods

Enrollment - 10 / 10

Healthy Paws enrolls pets 8 weeks and older. While some companies have no upper age enrollment restrictions, Healthy Paws limits coverage to 13 years old and younger. Similarly, where some companies offer accident coverage almost immediately, Healthy Paws has 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
13 years
Accident Waiting Period
15 days
Illnesses Waiting Period
15 days
Free Look Period
30 days

Claims & Service

Claims and Service - 10 / 10

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 and 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. Claims are generally processed within a few days.
Advertised Response Time
Claim Form
Online Portal
Mobile App

Contact & Additional Information

Homepage URL
Headquarters Address
1229 120th Ave NE Ste C, Bellevue, WA, 98105
Mailing Address
P.O. Box 50034, Bellevue, WA, 98105
Year Founded

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Customer Comments

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Los Angeles, California

We have been using healthypaws for nearly 3 years for our boy, Denver. All the time, we feel lucky with our choice. It is just so easy to file a claim and the claim gets processed efficiently and professionally. We have been recommending healthypaws to our friends and neighbors who have a fur baby. Recently, we are more than impressed!! Denver was bitten by a rattle snake and remained in 24 hour intensive care for 4 days. The medical bills ran up to nearly $13,000. Healthypaws kept their promise and made it possible for me to focus on caring for Denver, not worrying for the pet policy! Mentally and financially it meant a lot to us! Thank you, Healthypaws! Daisy from CA
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Christine C
Newark, New Jersey

Fabulous!!! So fortunate to have Healthy Paws for my ShihTzu Stella. She recently had surgery for a Luxating Patella. Everyone at HP has been so kind and caring. I have received multiple emails regarding her recovery and sending hugs. HP has provided superior processing and payments of claims. Plus, at anytime I have called HP, the customer service has always been professional, knowledgeable and very considerate. Thank You Healthy Paws!!!
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Ashburn, Virginia

I have 3 dogs and they are all insured through Healthy Paws. One of my dogs is dachshund that had to go through 2 surgeries in the last 2 years. Healthy Paws had been so great and supportive throughout these surgeries and they were quick to reimburse me. His surgery was two weeks and luckily all went great and he is slowly recovering.
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Chicago, Illinois

We never realized how important insurance was for dogs until a couple months after we rescued our first dog, Kyle. Since only a few months old, he has struggled with terrible allergies, bouts of nonstop vomiting, diarrhea, endless trips to the vet, and adding incredible worry to myself and my wife. Thankfully, every single time Kyle has needed medication, xrays, bloodwork, emergency overnight stays, and everything in between, Healthy Paws has covered it all at 90%. When our dog has an emergency, or more common issues, the last thing my wife and I want to have to worry about is "can we afford this?" We can stand here today knowing that our backs, and our dogs, are covered each and every... Read More
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Virginia H
Ashburn, Virginia

No one ever expects to deal with a serious illness with their pet soon after adopting them but this is what happened to me. Luckily, I had the presence of mind to sign up my new family member with Healthy Paws as soon as I adopted her and I took her to the vet for her initial wellness exam as soon as she came home. Unfortunately, not than long after she started to show signs she was not feeling well. We ran many tests and exams to determine what was wrong. All through the process the Customer Support at Healthy Paws was exceptionally kind and helpful! The submission of claims was simple and fast and the reimbursement took about a week and there were zero issues with the entire... Read More
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Seattle, Washington

We fell in love with Molly when we brought her home at 8 weeks old. She was our first dog and we didn’t know what we were getting into. Puppies are overwhelming! She was around four months old when she had to have a cancerous growth removed from her leg. She had complications that went along with that. We finally got her healthy and she went lame on that same leg. Lots of activity restrictions, cage rest, multiple sets of X-rays, an MRI, more X-rays, and a joint tap turned up a possible ACL tear. We decided to wait it out and see what happened. We wanted to let our puppy be a puppy for a few months. She eventually completely tore her ACL along with her meniscus. We decided it was... Read More
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Boston, Massachusetts

Healthy Paws has been so incredible during my dog's "mystery" illness. Their rates are very competitive and their reimbursement policies are best in the industry, especially when it matters most. Additionally, their customer service has been friendly and helpful.
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Liz M
Los Angeles, California

I searched for a good pet insurance for my dog knowing that sooner than later issues would arise. Well sure enough some pretty hefty incidents happened. I’m so happy I went with Healthy Paws. They’ve been nothing but awesome! If I didn’t have them I’m not sure how I would’ve afforded the care that my dog needed. They even follow up and ask how your pet is doing. Who does that in these days? I believe this company started because they really do care what happens to our pets.. thank you again, Healthy Paws!
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Ashburn, Virginia

Healthy paws has been fantastic to deal with! Their customer service is wonderful. My 4 legger needed to have an extensive leg surgery. They covered everything other than my deductible and kept in email contact with me the whole time. I even got a follow up email asking how my dog was feeling and recovering. I don’t have human children so my little 4 legger is my son, and I truly feel like healthy paws understands that. They show compassion and respect, as well as enthusiasm and knowledge in every communication I’ve had with them. I would highly recommend!
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Ashburn, Virginia

Healthy Paws has done so much for our family! When our girl needed unexpected knee surgery, Healthy Paws was the biggest blessing. We were able to get our pup through surgery and post-operative care without needing to worry about our finances. Everyone with whom I’ve spoken at Healthy Paws is kind, caring, and extremely helpful. I could not give a higher recommendation!
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Top Rated
Our Partner
9.8 / 10
  • Consistently #1 in customer satisfaction, A+ BBB
  • Chosen by almost 90% of visitors
  • Comprehensive illness and accident coverage
  • Unlimited lifetime benefits + no claim caps!
  • Annual deductible (recommended)
  • Free mobile app & no claims forms