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Healthy Paws Pet Insurance Review

3,229 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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3229 Customer Comments & Reviews

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jennifert519

12/28/2020
Our dog Dash has had a few mishaps, and Healthy Paws is nothing short of AMAZING! The claims process is so simple and we are paid quickly! I tell everyone who has a pet to use healthy paws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jennifewrt519 - Thank you for the kind words and for taking the time to post your review. We are so happy to hear that Healthy Paws has had such a positive impact on your pets life. Please give your pup another big hug from us!
corinne.marasco

12/27/2020
Pet insurance may seem like a luxury until you need it. Two weeks before Christmas an unleashed dog attacked my dog while she was being taken for a walk. The total bill came to nearly $1,000 and I was so glad I had pet insurance to help with the cost. Submitting the claim is a very easy process and the turnaround time for reimbursement is pretty fast. I even received a follow-up email asking how our dog was doing. Great customer service, smooth claims process, and timely reimbursements made me a satisfied customer. Thanks, Healthy Paws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Corinne - We are so very sorry to hear about your sweet girls recent scary ordeal. Hopefully, she is almost fully recovered from all of that. Thank you for the kind words regarding Healthy Paws easy claims process and amazing customer service. Please give your girl another hug from us!
Pamela K

12/26/2020
We are so thankful we chose Healthy Paws as our pet insurance. Sadly, our new puppy had to visit the ER twice in one month. Healthy Paws reimbursed us for the majority of the bills minus our deductible. It was exceptionally easy to submit the claim and we received the check in no time! I couldn't recommend them more highly.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Pamela - We are so sorry to hear that your little puppy had a couple of emergency hospital visits. Having a sick or injured puppy can be very stressful, and expensive which is why having Healthy Paws is so important. Thank you for the kind words regarding our super easy claims process, and please give your sweet puppy another bug hug from us!
aharj622

12/23/2020
We have had healthy paws pet insurance since 2016, it has been a great company to work with. Submitting claims are done online and the turnaround is quick, easy and clearly stated. They ALWAYS respond to any and all questions. I feel you can not go wrong enrolling your pet(s) with them. Vet care is expensive and having this insurance is a huge help. I HIGHLY recommend them.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
aharj622 - Thank you so much for the kind words regarding Healthy Paws quick and easy claims process and super responsive Customer Service. Please give your fur baby another big hug from us!
hilarykatz

12/23/2020
Like most insurance, I spend a lot of time wondering why I'm paying for something I rarely use, haha. Just recently I decided to save some money and downgraded my cats' plans to 80% coverage instead of 90%. So OF COURSE one of my cats ended up getting a surprise partial bowel obstruction. I had to take her to the vet a few times over the course of 2 weeks or so-- diagnostics, antibiotics, eventually surgery. I ended up submitting 3 separate claims for her and each one was resolved so quickly! The smaller amounts were processed within a day or so! The big surgery bill was a bit longer, but still no more than just a few days. I received the checks for 2/3 of them so far (the last one was... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Hilary - Thank you so much for the kind words and for sharing your cats story. We are so sorry to hear that your kitty had to go through major abdominal surgery, and hope her recovery is going smoothly. We are so happy to hear that Healthy Paws has made such a positive impact on making sure your kitties always have the very best veterinary medical care. Please give your fur babies more hugs from us.
C
Cindy P

12/23/2020
After doing an in-depth analysis of some of the top rated pet insurers out there, I moved my kitty to a Healthy Paws policy 2 1/2 years ago and have had a great experience with them. They offer reasonable deductible and coverage levels for a fair price and are so easy and simple to work with. I love their plan of paying for the premium through more affordable monthly automated credit card payments rather than one lump sum at the start of the policy year, as with my previous insurance company. After many healthy years, my senior kitty started losing weight, developed hyperthyroidism and a mast cell tumor on his neck. As a result, I've submitted several claims in the past few months and... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Cindy - Thank you so much for all the kind words and for taking the time to share your story with other pet parents. We are so happy that Healthy Paws has made such a positive difference in your family's life. Every pet should have access to the very best medical care, and having Healthy Paws allows pet parents to provide their fur babies with the very best veterinary medical care without having to worry about the costs. Thank you again for posting your review and please give your kitty a big hug from us!
jazzer104

12/22/2020
I have been pleased with Healthy Paws. The enrollment process was very easy. Our cat had respiratory issues that required several vet visits, x-rays, blood tests & pharmaceuticals. The claims process was simple using the app. Healthy Paws needed all of her medical records to process the claims so getting that info sent over from both vets offices delayed the initial payment. Once they received the records, the claims were processed right away & money deposited to my designated account. The follow up visit claims were processed right away as they only needed the new notes. I wish I had gotten this insurance on my dog when he was a puppy. I have learned my lesson. I will add new... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jazzer104 - We are very sorry to hear about your kitties recent respiratory issues. Hopefully, she is feeling much better now after all those tests and medications. Thank you so much for all the kind words regarding Healthy Paws easy enrollment process and super easy to use mobile app. We are so happy to hear that Healthy Paws has helped you and your cat when you needed us the most! Please give your fur baby a big hug from us!
C
Clayton

12/21/2020
Great to work with and timely close out of instances. Could not recommend more! They have absolutely allowed us to not have to make very tough decisions on if we can afford our dog.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Clayton - Glad we can help remove some of the financial strain from the equation when caring for you buddy. We appreciate your kind words regarding our efficient claims processing. Give your baby a hug from us.
F
Flavia

12/20/2020
I could not be happier with Healthy Paws. They have been great with our Shih-Tzu during his treatment. He has cancer and in need of radiation, besides MRIs and C-scans. I do not know how we would do without Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Flavia - We'er so sorry your boy has to go through all of that treatment. We glad we can play a part in relieving some of the financial strain so you can focus on his well-being. Give him a big hug from us.
G
Gary F

12/17/2020
I’ve been with Healthy Paws for many years, covering six dogs in that time. On three occasions I filed major claims and each time the process was straight forward and efficient. Not only were my claims covered, but someone from the organization always followed up to see how my dogs were doing. That kind of personal touch scores a lot of points with me. I’ve just found that the people at Healthy Paws are friendly and caring, and I can’t recommend them high enough.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Gary - We truly appreciate your being a part of the Healthy Paws family and that we have been able to play a part of making sure all your pups have access to the best available medical care. Thanks for the kind words regarding our claims processing and customer care. Give your babies big hugs 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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