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Healthy Paws Pet Insurance Review

3,228 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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3228 Customer Comments & Reviews

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sommer.patterson2

10/19/2020
I highly recommend Healthy Paws!! I adopted a kitten that turned out to have acute asthma! he is only 2 with an ER visit every Sept/Oct at the turn of the season due to Asthma attacks from allergies. The bill was way over $1K not to include meds. Healthy Paws deposited my reimbursement within days (less than a week) at 90% and for his meds as well. I would had never been able to afford his med bills without the reliability of Healthy Paws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sommer - We are so sorry to hear about your little kitties major hospitalization and asthma complications. Having a sick fur baby can be very stressful which is why we are so happy to hear that Healthy Paws was there for you and your little guy when you needed us the most! Thank you for the kind words and for taking the time to post your review. Please give your kitty another hug from us!
gerard.rossy

10/18/2020
When I bought HealthyPaws health insurance for our dog I wondered about the coverage and the customer service, especially given how health insurance for people can be difficult to navigate and to get coverage for medical problems. HealthyPaws online reviews were good so I thought I'd take a chance. Well I was not disappointed. When our precious labradoodle, Lily, was stricken with thyroid cancer we were fortunate enough to find a veterinary radiation oncologist who could treat her fairly advanced cancer. The radiation treatments were not cheap but they were effective and she is making good progress towards recovery. When I submitted the invoices for reimbursement I worried about whether HP... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Gerard - We are very sorry to hear about Lily's diagnosis and ongoing radiation treatments but we are so happy to hear that with the help of Healthy Paws you have always been able to provide your sweet fur baby with the best medical care. Thank you so much for the kind words regarding your experiences and for taking the time to share Lily's story. Please give her more hugs from us!
jnt.liu

10/17/2020
So happy with Healthy Paws from the get go! Signed up our fur ball as soon as we got him at the 3 month mark. Unfortunately, we have had our fair share of emergency appointments and visits to the ER. And each time, Healthy Paws has reviewed, processed and reimbursed the our claims lightening fast! Everything is easily accessible online or from the phone app, making it super convenient. Highly recommend!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
jnt.liu - We appreciate all of your kind words regarding or efficient claims and reimbursement processing. We're sorry that your baby has had multiple visits to the ER, but so glad we can be there to help on the financial side. Give your boy a big hug from us.
ravigokool

10/16/2020
Recently my baby girl 🐶 phoebe was diagnosed with a brain tumor after a couple episodes of seizure. She has since had radiation and chemotherapy. She’s doing good so far and hopefully the follow up MRI will show more good news. I just wanted to take a minute to say thank you Healthy Paws 🙏🏽! I can’t imagine not having her around after all we’ve been thru . I found her on the streets a few years ago and she’s been by my side thru divorce , depression, job change , 3 moves . It’s very costly treatment and I’m greatful that it was covered !

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Ravigokool - We're so sorry that you and Phoebe are having to deal with all of this, but glad she is doing well so far. We are happy that we get to play a small part in her care. Give her a great big hug from us.
M
Marie L

10/16/2020
Our 6 (almost seven) year-old Boston Terrier, Finn, was diagnosed with a corneal ulcer in late August. We think he may have gotten hit in the eye while chasing after a tennis ball (his favorite activity)! Following a week of antibiotic treatment, his ulcer did not heal, and his regular vet performed a grid keratotomy. Another week or so of antibiotic treatment following this procedure and unfortunately, while his ulcer was healing in diameter, it was getting much deeper and turned into what is called a Descemetocele (a surgical emergency that requires immediate attention to save the eye). Finn was seen by an Ophthalmologist at a renowned local Specialty Veterinary Center and luckily,... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Marie - We can't thank you enough for all of your kind words and for taking time out of your day to write your review. We're sorry that Finn had to deal with that serious eye issue, but glad he is doing well. We're so happy that we can play our part in making sure your babies have access to the best available medical care. Give Finn and Marino big hugs from us.
R
Roseann

10/16/2020
So nice to have one less worry in a pet emergency. This company is so easy to work with.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Roseann - We're glad we can reduce some of that worry when your baby isn't feeling well. Give your buddy a hug from us.
P
Phil

10/16/2020
Every time there has been an issue with my puppy and I have submitted a claim they have been very easy to work with. Their website as well as the app is easy to navigate and their customer service in incredible! The claims processed quickly and I got the money with no fuss. Great company and easy to work with.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Phil - Thanks for the kind words regarding our customer service, claims processing and easy to use phone app/website. Give your pup a big hug from us.
P
Priscilla B

10/16/2020
In the past 4.5 years that I've had pet insurance for my adopted Boston Terrier, Healthy Paws Pet Insurance has been extremely consistent in their pricing and reimbursements. I just spent a few grand on having a cyst and three teeth removed. Not only was I properly reimbursed; I was reimbursed within 7 business days of submitting the claim. I notice that there are other competing insurance options now; however, it makes sense to me to honor the plan that has been time-tested and consistent. That is so important.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Priscilla - We truly appreciate all of your kind words and that you have been part of the Healthy Paws family for over four years. We're glad we have been able to play a part in making sure your baby has had access to the best available medical care. Give your buddy a big hug from us.
A
Angela S

10/16/2020
Our dog got suddenly very ill and ended up in the ICU for 2 days. Each phone call from the vet was about yet another test that needed to be done. While we were so very worried about him, we had peace of mind because we had HEALTHY PAWS Pet Insurance. A bill of over $3000 was under $1000 and would've been even less if we had already met the deductible.I have told anyone who asked about him to get HEALTHY PAWS! And, they checked on him afterward! (He is back to normal!)

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Angela - We're sorry your boy was so ill, but glad he is back to his happy self! Glad we could alleviate some of the financial stress so you could concentrate on his well-being. Give him a big hug from us.
D
DALE V

10/14/2020
I insured my dog Luc with Healthy Paws when I adopted him after my last dog died of cancer when he 2 years old. The cost of trying to save him was nine thousand dollars. The first four years or so of my policy I never touch it. Just paid my premiums and my vet bills. A little before Luc was 6 years old he developed a growth on his lung which burst one day when we were out in the woods. It was an intense situation which required advanced medical treatment and surgery. Healthy Paws cleared the claim and sent me the reimbursement payment within days. Fast forward to this year and Luc has had to have his spleen removed due to a tumor, knee surgery, and a severe bacterial infection that... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Dale-We are so sorry that Luc has had to endure all of these issues. Glad we can play a part in making sure he has access to the best available medical care. We appreciate the kind words about our quick claims, reimbursement process and customer service! Give Luc a big hug for 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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