Healthy Paws Pet Insurance Review

Rating: 9.8 / 10 (Excellent)
1,480 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.

How is Healthy Paws rated?


Benefit Limits
Claims and Service

Overall Rating: 9.8 / 10 (Excellent)

Healthy Paws consistently ranks highly across all of our ranking factors. The company offers solid, comprehensive coverage with no caps of any kind. They reimburse you on the cost of your actual vet bill and there is no limit as to for what and how many claims you can make. Healthy Paws provides all of this at a price the same as, or even lower than less comprehensive plans.

Healthy Paws Coverage

Coverage - 9 / 10

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
Coverage Types
Vet Selection
Out-of-State Coverage
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 - 10 / 10

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 of only 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 (i.e. not a pre existing condition) there is no limit to what the company will pay to make your animal well. For example, 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.
Benefit Limit Types

Reimbursement & Deductibles

Reimbursement - 10 / 10

As with deductibles, Healthy Paws is in line with the industries 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.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement

Deductibles - 10 / 10

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. Obviously if you go with the $100 deductible you'll get a higher payout per incident, but you are going to be paying a higher monthly premium as well.
Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does Healthy Paws cost?

Pricing - 10 / 10

Considering no limits of any kind, and the customizable payout percentages and deductibles, Healthy Paws plans are reasonably priced and even cheaper than less substantial plans. What's more, the company also offers a host of discounts, including special rates for members of AARP, AAA, and Costco.

Starting Monthly Premiums

Rate Details: Annual Deductible: $500, Benefit Cap: Annual & Unlimited, Reimbursement Model: 70% of Annual Cost
Available Discounts: 10% Lifetime Discount for Animal Welfare Volunteers, 10% Lifetime Discount for Association or Alumni Organizations, 10% Lifetime Discount for Membership Groups such as AAA, AARP, and Costco, 15% Lifetime Discount for Employer Sponsored Plans, 10% Lifetime Discount for Military Service

Enrollment & Waiting Periods

Enrollment - 10 / 10

Healthy Paws enrolls pets 8 weeks and older. While some companies have no upper age enrollment restrictions, Healthy Paws limits coverage to 13 years old and younger. Similarly, where some companies offer accident coverage almost immediately, Healthy Paws has 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
13 years
Accident Waiting Period
15 days
Illnesses Waiting Period
15 days
Free Look Period
30 days

Claims & Service

Claims and Service - 10 / 10

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 and 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. Claims are generally processed within a few days.
Advertised Response Time
Claim Form
Online Portal
Mobile App

Contact & Additional Information

Homepage URL
Headquarters Address
1229 120th Ave NE Ste C, Bellevue, WA, 98105
Mailing Address
P.O. Box 50034, Bellevue, WA, 98105
Year Founded

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Customer Comments

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Amy B
Dallas, Texas

Healthy Paws pet insurance may be the best financial decision I’ve ever made. When my dog needed surgery they communicated often and in a timely manner. I was able to not hesitate when making decisions about his care because I knew Healthy Paws was behind me.
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Vladimir O
Los Angeles, California

I am so happy that I found Healthy Paws! I was skeptical about pet insurance coverage prior to signing up and thought that it would either be too expensive and not worth it or that they would barely cover the bills... I was pleasently surprised to see that not only is their monthly premium very affordable ($29 a month for my cat), but my plan has a single $100 deductable and covers 90% of all tests, procedures, and medications. My cat was recently sick and I spent over $1500 in 3 days! Healthy Paws covered over $1100 after my deductable kicked in! I got the reimbursements in roughly 1 week after sending in the claims. Long story short(er) the company is great and I highly recommend them!
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Ashburn, Virginia

Healthy Paws came in when I needed it most. So easy to use. Just uploaded my invoices and medical records using the app and got reimbursement a week or two later. No issues or hassle.
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Bill-Gail L
Los Angeles, California

We have been fortunate to have Healthy Paws Insurance for our last two dogs. Unfortunately our pets have had issues especially our current boy Rudy, but this insurance has never hesitated to be by our side and pay on the claims promptly and without any undue questioning or procrastination. I would never consider having a pet without Healthy Paws. Almost a important as a great veterinarian which The Rudy has both.
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Newark, New Jersey

I have 2 small breed dogs (Shih Tzu/ Maltese mixed and Biewer Yorkie mixed) and I have enrolled my dogs since 12/05/2014, when they were about 4 and 5 years old. After a very thorough research and analysis of all the pet policies out there, Healthy Paws was the most affordable one with great benefits. I paid about $80-90 for both dogs per month with a 90% reimbursement and $100 deductible per year and there are no caps on claims. It doesn't cover preventative care but enrolling in Healthy Paws Pet Insurance gave me a peace of mind that I will be able to afford medical care for my dogs in case they needed it. My dogs are generally healthy and I didn't have to submit any claims but... Read More
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Michael Q
Los Angeles, California

We've been with Healthy Paws since October 2014. In November of 2017, our dog was diagnosed with a partial tear of her ACL. Healthy Paws covered her entire treatment including bi-weekly laser treatments. Unfortunately, the partial tear became a complete tear earlier this year that required surgery. Healthy Paws was with us the entire way, and we are grateful for them. We only paid the original $100 deductible, and HP reimbursed us 90% for all of our costs including the surgery. It's so easy to submit a claim online and they pay FAST which is greatly appreciated. I would highly recommend Healthy Paws for any pet lovers out there looking for insurance to protect their furry loved... Read More
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Los Angeles, California

I have a Frenchie-Pug mix, Ariel, who was a rescue, so I knew very little about her medical background. I got a policy through Healthy Paws because I never want to be that person who asks, "can we afford this?" If one of my fur kids isn't well, I will always do whatever it takes to get them better. When the weather started heating up, I noticed Ariel struggling to breathe (which is common in short-nosed breeds) and it broke my heart. I had her evaluated to see if she'd be a candidate for airway surgery; it's something I've always known was an option but in all my years of owning pugs I hadn't had one that seemed to need it. Turns out Ariel had several issues that were causing her... Read More
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Ashburn, Virginia

Rating based on quote and phone calls about options: I post this review to encourage other pet parents to enroll with Healthy Paws BEFORE your baby turns 8 years old, and so parents of older pets don't get their hopes up if they feel as I do about 60%. I was excited to sign up with Healthy Paws given its excellent reputation, but when I submitted information about my cat for a quote, the only reimbursement option offered was 60%, because she is probably* 8 years old. This made me sad, because 60% isn't enough "insurance" for my peace of mind. A phone call confirmed this information BUT also clarified that the 60% (with $750 or $500 deductible) for 8 or older applies only to NEW... Read More
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Sue A
Newark, New Jersey

I am so impressed with Healthy Paws! I am just going to copy and paste my original email to them after Bilbo had to have emergency surgery. "Hi Healthy Paws, I am so very, very impressed with your wonderful service - from the start of Bilbo getting sick to quickly settling the claim so I could pay off my credit card immediately. Your caring, thoughtful representatives helped me feel reassured as Bilbo was going through the surgery that the treatment should be covered or at least the claim would be addressed expeditiously. Bilbo is doing much better - he just had his stitches taken out of his tummy yesterday so he can get back into the streams and lakes like the real hiking dog he... Read More
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Newark, New Jersey

This company is awesome!! They truly care about you and your pet... they process claims as quick as 3 days from submission and paid within 5 days of that... their staff is friendly, kind, concerned for your pet and many have talked me through tears when my baby girl was sick. The plan i have is VERY affordable. And the best out there.. i've had them for over 5 years and they will always be my pet insurer. Great company!!!
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Top Rated
Our Partner
9.8 / 10
  • Consistently #1 in customer satisfaction, A+ BBB
  • Chosen by almost 90% of visitors
  • Comprehensive illness and accident coverage
  • Unlimited lifetime benefits + no claim caps!
  • Annual deductible (recommended)
  • Free mobile app & no claims forms