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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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kliyanage30

7/19/2021
Healthy Paws has been a lifesaver for my dog Chewy. He was diagnosed with a rare form of cancer and because of the streamlined coverage with no fee schedules etc, and the simplified claims process, he is getting the treatment that he needs! The customer service is fantastic and the claims process from submitting a claim (minutes!) to recieving reimbursement is days. I recieve a flat 80% reimbursement after my deductible and this has saved my family thousands in costs and makes the decision to get the proper treatment for Chewy easy and stress free.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
kliyanage30 - Thank you so much for the kind words regarding Healthy Paws outstanding customer service and straightforward claims process. We are so happy to hear that your pup Chewy is getting the very best treatment possible. Thank you again for taking the time to post your review, it's folks like you who are helping to raise awareness about the importance of having pet insurance for our furry loved ones. Please give Chewy another big hug from us!
karleethiebaut

7/18/2021
My dog recently had to undergo an X-ray, MRI and multiple blood tests. I used Healthy Paws mobile app which makes it SO easy to submit a claim. And, they're very quick to approve. It made this anxious dog mama less worried knowing the insurance process was smooth and painless! I HIGHLY recommend pet insurance through Healthy Paws. Nothing but great experiences so far!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
karleethiebaut - We are so sorry to hear that your dog was not feeling well recently. Thank you for the kind words and for taking the time to post your review. we hope your pup is feeling much better now. Please your pup another big hug from us!
S
Stephanie S

7/17/2021
Great customer service and quick and easy claim processing. It was such a relief to make a decision based on what was best for my cat rather than what it might financially cost when an emergency happened. Would highly recommend Healthy Paws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Stephanie - Thanks for the kind words about our customer service and efficient claims processing. We're glad we could relieve some of the financial stress so you could concentrate on your kitty's recovery. Give your baby a hug from us.
Sabrina A

7/9/2021
So much love for this company, we feel so secure that our dog is gonna be taking care of the best way we can, 4 surgeries so far I haven’t had any problem, great response time, fast reimbursements. Couldn’t be happier with Healthy paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sabrina - We're sorry that your baby has had to have those surgeries. We truly appreciate all of your kind words. Give your baby a big hug from us.
michele.langley15

7/8/2021
This is long...sorry in advance! I spent hours researching and got Healthy Paws when I adopted my adult dog. I didn't have records from birth, but I did have all the records from animal control for the 8 months he'd been there, and I e never had any issues with being reimbursed for anything. I pay a lot, but he's now almost 8 and I have a very low deductible and 90% reimbursement, so I expect to pay more. He had a very costly dental procedure last year. The bill was $6.7k, and not only did they cover 90% of everything except the cleaning, but they paid the hospital directly in about 4-5 days. All I paid the vet was my 10% and $240 for the cleaning. They even covered my $75 call to SPCA... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Michele - Thanks for taking the time out of your day to write your review. We are so happy that we can continue to play a part in making sure your boy has access to the best available medical care. We appreciate all of your kind words regarding our plan, efficient reimbursement process and our direct deposit option. In regards to our phone app and emailed invoices, you can always go to your online Healthy Paws account and upload the email there versus the picture taking route on the app. Give your boy a big hug from us.
vmolinari730

7/8/2021
Our dog had to undergo a major surgery. Healthy Paws was instrumental in allowing us to get the best treatment for our pup. He's well on his way to a full recovery and Healthy Paws was able to help with the medical costs and their flexibility on providers was extremely helpful. Customer service has always been fantastic as well, I can tell they really care about the well being of our dog.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
vmolinari730 - We are sorry to hear about your pups major surgery and hope your fur baby is feeling much better. Thank you for the kind words regarding Healthy Paws fantastic customer service. Please give your fur baby another big hug from us!
Véronique S

7/6/2021
As a type A pet parent, I knew pretty early on that I wanted to get my puppy an insurance plan. I activated the insurance the day that I got her, and here we are, almost a year later, and it has paid for itself. When my puppy started having some chronic GI tract issues, we were confident that we could get whatever tests and medical help she needed because she was insured. Healthy Paws' mobile claim entry is so easy to use; just take a picture, and press submit. Eventually, we had to get a referral to a University Veterinary Center, as we couldn't really figure out what was going on. She is doing a lot better now, and I thank my lucky stars that we invested in Healthy Paws early on.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Veronique - Thank you so much for the kind words and for taking the time to post your review. We are sorry to hear about your pups major tummy issues but it is no nice to hear she is feeling much better now. As a Healthy Paws policyholder, you'll never have to worry about being able to afford the best veterinary medical care for your sweet girl. Please give your fur baby another big hug from us!
durronbennett1454

7/5/2021
I wish I could say I had a good experience with healthy paws. I have a sweet Irish setter mix ,She is 8 years old and I got her as a rescue meaning I did not get her as a puppy. I got there insurance in January and my little girl got sick in May. I thought everything was good with them and explained that I only have 2 years of medical records for her. When I turned the claim in 30 days later the didn't pay anything. They told me not enough medical records. Was not a problem when I was paying the premium.they then said I could dispute it but it would take another 30 days. I'm not made out of money but I really love my dog so I wanted a piece of mind. As I sit here typing this my little girl... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
durronbennett - We're sorry that your baby wasn't feeling well. We do our best to be transparent regarding our need for medical records. All claim decisions are based on your pet’s medical records and the signs/symptoms that are noted in those records. Most pet insurance companies including Healthy Paws use a pet's medical records to determine if there are any pre-existing conditions that would keep us from approving a claim. We appreciate your efforts in getting those records to us, but we are still in need of some missing information to process your claim. Our team has emailed you and provided detailed information in regards to what is still needed. Once we receive those records we will be able to process your claim.
jennykurth

7/1/2021
Get Healthy Paws! It's been so easy to file a claim and get reimbursed. I'm so happy with the service and support they have offered. It's made having a pet who has experienced some unexpected health issues so much easier!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
jennykurth - Thanks for the kind words regarding customer service, claims processing and efficient reimbursement process. Give your baby a big hug from us.
S
Samuel K

6/30/2021
Our 9 year old German Shepherd, George, went through a major surgery to remove a mass in his chest. The total cost was about $15,000. Aside from a few very minor items that were clearly outside the scope of our policy, Healthy Paws covered its 80% share of the costs without question and without delay. Not having to worry as much about the financial side of things made the whole experience so much more manageable for us.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Samuel - We are sorry that George had to have that major surgery. Glad we can play a part in making sure George has access to the best available medical and that we can help alleviate some of the financial stress. Give your boy a big hug from us.
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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