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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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Rhonda T

3/29/2021
Our dog Tofu recently underwent surgery for an intestinal obstruction. His recovery was complicated and we were very worried about him pulling through. The stress of taking care of Tofu was difficult enough; at least we didn't have to worry about the high medical expenses thanks to the excellent coverage we have through Healthy Paws. Healthy Paws Pet Insurance covered everything they promise to cover with no questions asked and with a quick turn around time. I would highly recommend everyone who loves their pet to take out a Healthy Paws insurance for peace of mind. The last thing you want to worry about while carrying for your sick pet is how you're going to cover the bills!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Rhonda - We're sorry Tofu had to have that major abdominal surgery. Glad we could alleviate some of the financial stress so you could concentrate on his recovery. Thanks for the kind words in regards to our plan coverage. Give Tofu a big hug from us.
L
Lauren S

3/26/2021
I cannot say enough about how wonderful our Healthy Paws Family is! We absolutely love this company, the customer service is second to none. They are amazing at processing claims quickly and efficiently. They also follow up through email to make sure our baby is ok after we have filed a claim and truly care about their clients! The rates are affordable with different plan offerings and the reimbursement is great!! You will not regret covering your fur babies with Healthy Paws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lauren - Thanks for all the love you're sending our way! We appreciate your kind words regarding our customer service and efficient claims processing. Give your baby a big hug from us.
D
Daniel P

3/26/2021
We've had Healthy Paws policies for our pets for 6 years now, and we are very happy with the level of service they have provided us over the years. When adding a pet, they are very thorough, but it's necessary and has the added bonus of making sure we have records of our pet's histories, which we like to keep track of anyway. The younger the pet, the easier it is to enroll! Once enrolled, though, upkeep is very simple. I just take pictures of all my pet's invoices/labs and submit a claim on my phone, no writeup required. We recently experienced our first incident where we went beyond our deductible due to our cat being hospitalized for a week. Luckily, he came out of it like a champ.... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Daniel - Thank you for taking time to write your review. We truly appreciate you being part of the Healthy Paws family for the past six years. Thanks for the kind words regarding our easy to use phone app, customer service and efficient claims processing. Give your babies big hugs from us.
Isabel R

3/25/2021
Healthy Paws delivers & trully cares for your animals. I highly recomend it. Our puppy Pomeranian broke his leg & since he is out first pet I didn't even know you can buy pet insurance so inexpensively. After his 5K surgery & after care I was determine to find quality pet insurance just in case something like that was to happen in the future. Sure enough couple of months later our dog was diagnosed with hereditary hip disease & needed FHO surgery. I was so relieved Healthy Paw took care of almost whole amount after $250 deductible. It was my best decision ever. They even contacted me to find out his progress after surgery. Can't thank them enough💗

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Isabel - We're glad we can play a part in making sure your baby has access to the best available medical care. We're sorry he had to have hip surgery, but glad we could be there to help. We appreciate the kind words regarding our customer service. We hope your boy's recovery goes well.
sarah.pomeroy1

3/25/2021
Healthy Paws is absolutely incredible! They process claims quickly and thoroughly. When our dog had emergency surgery we received a personalized email following up on his recovery. We receive reimbursements quickly - and the monthly premium has been 100% worth it for unforeseen circumstances along the way!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sarah - We're sorry your baby had to have emergency surgery, but glad we could play a part in making sure he has access to the best available medical care. We appreciate all of your kind words regarding our customer service and efficient claims/reimbursement processing. Give your boy a big hug from us.
studleylinda

3/23/2021
We had to bring Corey to the ER for a Urethral Prolapse. We woke up in the middle of the night with blood all over the bed and our puppy! This is the first pet we've ever had insurance on and I'm SO thankful we had it! When I contacted Healthy Paws to ask about a direct pay to the vet's office they told me what they needed to make it happen. I submitted the records needed and the estimate of the bill and they took it from there. They contacted the vet's office and took care of everything for us, making the financial part of Corey's surgery a breeze! I did receive notice prior to Corey's surgery that our rates were going up in 60 days but only by $10/month. TOTALLY worth it knowing that... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
studleylinda - We're so sorry that Corey had to had the major urinary tract surgery. Glad we could work with your veterinarian on providing direct payment for the procedure and reduce some of the financial stress. Give your baby a big hug from us!
D
Dustin S

3/17/2021
Healthy Paws will continually increase your premiums as your dog ages. My premium doubled in the last two years, and they are trying to increase it another 23% this year. When you ask why they give you a completely irrational excuse about rising costs - there's no way costs have been increasing that much. I would also point out that consumersadvocate.org received money from Healthy Paws - which explains why they receive such a high rating.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Dustin - Thank you for being part of the Healthy Paws family. We understand no one likes any form of premium increase. Our management team works hard to keep our premiums as low as possible while still providing comprehensive coverage. Premiums are determined based on the rates and rating rules filed and approved within each state’s Department of Insurance. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of specialty and emergency care. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website. Please give your pups big hugs from us. The Healthy Paws Team
M
monica

3/15/2021
Healthypaws is amazing! The response time is very quick, the coverage is straightforward and I it takes the financial worry out of taking your pet for the best medical care.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Monica - We appreciate all of your kind words. Glad to play a part in making sure your baby has access to the best available medical care. Give your baby a big hug from us.
J
Jan B

3/15/2021
BEWARE While the interaction process is easy with the app, the rates continue to escalate! I used to sing the praises of Healthy Paws - but the rates are just out of control.... I was told the rates are based on the vet rates in your area. I live in east Texas, not some giant metropolis. I just received my annual notice - rates are going up again (as they have every year except once since 2015). In the last 2 years with last year's increase and this year's annual increase , my rates will have increased by over $70 A MONTH. They raised them from 95. a month to 141. a month just in the last year... What in the world Healthy Paws?! $1695 a year for pet insurance?? And I am... Read More

J
Jan B

3/15/2021
BEWARE While the interaction process is easy with the app, the rates have gone out the roof! I was told the rates are based on the vet rates in your area. I have lived in this area for over 2 years. I just received a notice - rates are going up again (as they have every year except once since 2015). In just the last 2 years with last years and this years annual increase , my rates will have gone up over $70. A MONTH. What in the work Healthy Paws?! $1695 a year for pet insurance?? And I am already at a higher deductible.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jan - We truly appreciate you being part of the Healthy Paws family over the years and that we have been able to provide reimbursements for your claims during that time. Thanks for your kind words in regards to our easy to use phone app for submitting claims. We understand that no one likes any form of premium increase and that this increase is larger than normal. Our management team works hard to keep our premiums as low as possible while still providing comprehensive coverage. New technology, advancements in veterinary treatments, and overall claim costs are taken into consideration when assessing our rates. Premiums are determined based on the rates and rating rules filed and approved within each state’s Department of Insurance. These reflect the cost of treatment, advances in veterinary medicine (including specialty care), your individual pet’s breed, gender, age and other factors, in addition to the overall claims experience for the program within the region your pet resides. As a result, we need to increase the premium level for all pets in your state so your pet can have continued access to the best veterinary care. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of specialty and emergency care. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website. Give your baby 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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