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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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J
J G

3/2/2021
I chose Healthy Paws because it was the top rated pet insurance. I chose the lowest deductible plan and the highest coverage. When my four year old dog suddenly could not walk and needed immediate back surgery, I almost forgot I had the insurance. The final bill would have put me in the hospital right next to my best friend if it wasn't for the insurance. Submitting the claim was easy, it took no more than 2 weeks, and once I was notified the claim was approved, it was direct deposit into my account a few days later. I believe if it safe to assume that if you are responsible enough to look for pet insurance, then you love your pet and would do anything for them, so choose a... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
JG - We're so sorry that your pup needed major back surgery, but glad he is doing well in his recovery. We are happy to play a part in making sure your buddy has access to the best available medical care. Thanks for the kind words about our customer care, claims processing and direct deposit option. Give your buddy a big hug from us.
Donna A

3/1/2021
I am very happy with Healthy Paws! I've had two cats in the past year get very sick with a coronavirus at different times. They are both young and vaccinated, so this was unexpected. Maybe a new strain for cats? I had bills of over a thousand dollars for each cat, and it was extremely helpful that I quickly reimbursed by Healthy Paws. You never know when your pets may get an unexpected sickness. I've had pets for over 30 years and I've been burned by very high vet bills. I am glad I chose Healthy Paws, and I would highly recommend.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Donna - We're sorry that your kitties were so ill, but glad they are feeling better. We appreciate you kind words and glad that our efficient reimbursement process reduced some the financial strain. Give your kitties hugs from us.
Y
Yolanda N

2/28/2021
To -date Healthy Paws has provided in accordance with the contract initiated eight years ago. They respond to their claims in a timely manner and expressed interest in the progress of my pet. The cost of the insurance is affordable/reasonable. I recommend this insurance for pet owners seeking affordable and quality insurance. Five stars not four-and-a-half.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Yolanda - We appreciate your kind words and glad we have lived up to your expectations. Give your baby a big hug from us.
T
Thomas F

2/28/2021
Healthy Paws has always been there for us! Not only on the financial side, providing us the support to give our Great Dane the best care, but they also checked in with us after care was given! The best!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Thomas - Glad we can be there in support of your Great Dane. Give your big baby a hug from us.
Gail P

2/25/2021
Healthy Paws just paid $894 for Rosie's surgery, 24 hours after I submitted my claim. I'm very pleased. In the time I've been insured with them, their customer service over the phone and by email has always been friendly and efficient. This surgery was their first "test" as to whether they'd cover what I expected them to cover quickly and without hassle, and they've passed that test with flying colors. Because I didn't ever want to face a huge bill for Rosie's care that I couldn't pay, I got insurance through Healthy Paws about three years ago. After doing research, I selected Healthy Paws because they don't raise premiums or reduce benefits because of either advancing age or claim... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Gail - We're sorry that Rosie had to have surgery, but glad we could be there to help reduce some of the financial stress. Thanks for the recommendation and give your girl a big hug from us.
S
Shaun

2/24/2021
Enrolling my dogs with Healthy Paws was the best decision I could have made for them -- not only does insurance provide my family with peace of mind, but Healthy Paws in particular has given us consistently fantastic (and quick) customer service, no hassle claims, easy online access, and great rates. I highly recommend Healthy Paws pet insurance to any new and existing pet parent -- you won't regret it.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Shaun - We can't thank you enough for all of your kind words regarding our policy, claims process and customer care! We're happy to play a part in making sure your buddies have access to the best available medical care. Give them big hugs from us.
L
LINDSEY C

2/24/2021
Very happy with Healthy Paws! I'm so grateful that we've had our pet insurance in place to cover illness-related expenses for our cats!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lindsey - We're glad we can be there for your kitties if and when they're not feeling well or have an accident. Give them big hugs from us.
J
James W

2/23/2021
Be sure you're fully aware of the different plans, what a deductible is, and what's covered (not preventative health and not the actual exams) so that you are not surprised. That said, I have healthy paws for both my dogs. Submitting claims and getting reimbursed is so fast and easy. Other than just requesting additional information, I have never had an issue with payment in over five years... and the peace of mind of having insurance is invaluable!!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
James - We're glad we can play a small part in the care of your pets. Thanks for the kind words about claims and reimbursement process. Give your pups big hugs from us.
robin_webb

2/22/2021
I wish I could say I never had to use my Healthy Paws pet insurance but I have on numerous occasions for my two Pomeranians and I will forever be grateful that I had Healthy Paws coverage. It was a godsend when I was told that both of my pups needed surgery on both of their back knees w/in months of each other. And while we would have paid to have this done regardless, it was such a relief knowing our out-of-pocket cost for these expensive procedures would be a small fraction of what it would have been otherwise. It allowed us to focus on what was important - getting our pups the procedures they needed and not having to worry about the affordability. I have made a point to tell friends... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Robin - thank you so much for taking time out of your day to write your review. We're sorry your babies had to have those major surgeries, but glad we could relieve some of the financial strain so you could focus on their recoveries. We appreciate the kind words regarding our customer care team and coverage. Give your babies big hugs from us.
J
jared

2/21/2021
Healthy Paws provides excellent technology to help ease submitting claims. Their team is full of people who provide great customer service and they always put my pet first. I highly recommend using them.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jared - We're glad we can play a part in making sure your baby has access to the best available medical care. We appreciate your kind words about our claims submission process and customer service. 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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