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Healthy Paws Pet Insurance Review

3,344 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
4.0/5
Cost
4.0/5
Extras

Our Overall Rating: 4.4 / 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 - 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 / 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 - 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 - 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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3344 Customer Comments & Reviews

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Ginger C

10/27/2017
Healthy Paws has exceeded my expectations on all levels for providing insurance coverage for my dog Morgan. When I initially took out a policy for Morgan I thought I would need it if she sustained an orthopedic injury based on how active she was. I was not expecting a chronic condition of diabetes with ongoing needs for medicine, and certainly not expecting a recent emergency splenectomy with a stay of 3 days post op in ICU after surgery. Healthy Paws covered 80% of the 9200.00 vet hospital bill, and the claim was processed within 10 days. Not only do they provide great coverage at a reasonable rate; they genuinely care about Morgan. If you are considering pet insurance, I recommend... Read More

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Antonio J

10/27/2017
Two years ago I used this same means (ConsumersAdvocate.org) to evaluate the Pet Insurance for my dogs (daughters) and I selected Healthy Paws. I thank you, it was an excellent choice to select Healthy Paws. My Chloe (French Bulldog), has been operated on two occasions from the veltebral column. If we had not had Healthy Paws, we would not have Chloe with us or she would be paralyzed, because we would not have been able to pay the full cost of these operations. The last operation was this month and it cost $ 5,128. Healthy Paws paid 90% of the cost, which was a great relief. The first operation was in 2016, with similar results. Thank God, Healthy Paws and the hospital, our Chloe is in a... Read More

Jennifer W

10/26/2017
We had 3 labs prior to our current guy Jude and didn’t have pet insurance for any of them. Our yellow lab had a few issues here and there and our vet had recommended we get insurance. I had done some research but didn’t think it was worth the money. I was wrong! He had 3 knee surgeries in the last 2 years and crossed the rainbow bridge in June. We spent close to $15,000 out of pocket to care for him. We enrolled Jude in Healthy Paws Pet Insurance immediately upon adopting him, we knew we couldn’t afford those costs again. Jude recently had an intestinal blockage and needed to have emergency surgery –we would have struggled to pay without the insurance. It was easy to submit the claim, the... Read More

K
Kellie D

10/25/2017
I have had my policy for over 1.5 years and I love it!! It covers my two pets; Labradoodle & Pug. I have filed a few claims with ease, and paid via check within a week. Highly recommend.

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Eric o

10/24/2017
I cannot say enough great things about Healthy Paws. We have 2 bulldogs and both are on the plan. One of our poor dogs has had multiple health problems this year. We've had to pay out over $10,000 in bills. Unrelated issues and each time huge bills. From a cherry eye to a leg operation and an ER visit. We would have gone bankrupt but thank god for Healthy Paws. Each time they paid out as agreed. No push back no weird exclusions. We had the 90% reimbursement checks before the credit card bill was even due. I tell every friend and pet owner I meet. You have to get this health insurance. All you do is take a photo of the bill from the vet and submit. Takes 5 seconds. They even call and email... Read More

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Caroline

10/23/2017
Healthy Paws has taken very good care of my dog Winnie. They usually respond to claims very quickly and mail out checks right away. The online claim filing process is easy enough. Everyone I have ever spoken to from customer service has been friendly, helpful and compassionate regarding our medical issues. Of course coverage is never perfect but that is the industry. I do feel that Healthy Paws is an honest and ethical insurer and that they have your pet's best interest in mind.

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Robb M

10/23/2017
Healthy Paws Pet Insurance has been the best thing I've ever purchased for our pet. It is easy to file a claim and they are very prompt in processing the claims and getting back to you in a timely manner. Their website is very easy to use and you can file claims electronically, thus enabling you, to get a faster response in regards to your settlement. I have to say their monthly premiums are reasonable as well. Overall a great company with a great product.

Tracy T

10/23/2017
This company has been wonderful! I started off with a different pet insurance company - I only stayed with them a month because there were various hurdles in that month that made it difficult to work with the company. I searched customer reviews and found Healthy Paws! Boy am I glad I did!! We had this insurance for about 6 months when our boy Leo started showing signs of lameness. From first signs of trouble to diagnoses was only about three weeks (we had to wait to get an appointment with specialist) and a month later he underwent surgery to correct the problem. Each time I had to contact Healthy paws their associates were amazing! First question was always "How is Leo doing?"... Read More

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katherinemconroy

10/22/2017
I adopted a dog three and a half years ago and signed up with Healthy Paws soon after the adoption. My dog has had several major medical issues including Heartworm, emergency surgery to remove a foreign object in his intestine, and pneumonia. He has also had several run of the mill type things like rheumatoid arthritis and mild anemia. We've been to the vet a lot and I have been very happy with Healthy Paws as my Pet Insurance provider. Their process for submitting a claim is very easy, it just takes a minute. In addition, the processing and reimbursement goes quickly. They also have been very good with coverage. I actually had a disagreement with something relating to coverage... Read More

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Denise G

10/20/2017
I have been a Healthy Paws member since 2013 and a pet insurance holder for over 10 years. I switched to Healthy Paws from one of the more well known Pet Insurance companies because I was not getting the customer service that I wanted. After doing a lot of research I chose Healthy Paws because of price, good reviews and above all because of their life time-no limit on payouts. You are also able to chose the coverage level and deductible that works for you. Since that time I have used their services on numerous occasions. Not a good thing for my pets but a great thing for my wallet. That aspect takes the worry off the pet parents and lets us just worry about getting our fur babies healthy.... Read More

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Rated "Best Choice Overall" by Mashable

  • No Maximum Annual or Lifetime Payouts
  • No Enrollment or Administrative Fees
  • Most Claims are Processed in 2 Days
  • Trusted by More than 625,000 Parents
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