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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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S
sara

10/9/2020
Because of Healthy Paws, we were able to get my dog the best care without having to think about it. She slipped a disc and her back legs stopped working, and Healthy Paws covered everything from the MRI to the surgery, following up quickly to check on how my dog was doing! We've had Healthy Paws for 6 years and would highly recommend it!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sara - Thanks for being part of the Healthy Paws family for the past 6 years. We're sorry your baby had to have back surgery and hope the recovery is going well. Give your buddy a big hug from us.
JoAnn M

10/7/2020
My beloved 2yr old GSD mix, Kai, had gotten really sick. So after vet #1 visit, he got worse and we ended up at the ER. Xrays determined my biggest fear, that he had swallowed something. I about keeled over when I was given an estimate of almost $5000 to perform open surgery, when this same clinic had charged me 5 times LESS for the same surgery, when he was a pup, 2 yrs ago! Even with Care Credit, I paid $4000 to save his life! Once they got in there, they found NOTHING! My poor baby spent 36 hrs in ICU, post surgery with an almost 9” incision & 33 staples! He went through all that for nothing! Thank the Lord he recovered well, after countless meds and an infected incision! I was... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
JoAnn - We are so sorry that your boy had to have that major abdominal surgery, but glad had didn't have any sort of blockage. We appreciate all of your kind words regarding our customer care team and quick reimbursement process. Give Kai a big hug from us.
Peter D

10/6/2020
No Hassle. Resolved my claim with no problems. Clear explanation of what was covered and what was not. Followed up with me to check on Cole's recovery.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Peter - We appreciate the kind words. Give Cole a big hug from us.
steve.bronder

10/6/2020
I want to give a HUGE POSITIVE review of HealthyPaws. I have owned multiple pets in my lifetime and this is the first time I have purchased Pet Insurance. I honestly did not think I would need it because I’ve never had issues with my other pets. However, our GoldenDoodle is just over a year old and has come done with some disease that is causing persistent coughing. She has seen the vet numerous times and been through countless testing. She even went to an internal medicine specialist. All covered. What is important though is that with the enormous cost of just one vet visit, this insurance almost pays for itself. My dog has had almost over $4K worth of care and I have only paid a... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Steve - We're sorry that your Doodle has had to deal with those coughing issues, but glad we can be there to help relieve some of the financial strain so you can concentrate on her care. We appreciate the kind words about our easy to use phone app. Give your girl a big hug from us.
Robin Z

10/4/2020
Healthy Paws is the BEST!!! I have had other pet insurance plans in the past for other animals, and none have been more honest and efficient as Healthy Paws. They are caring and once a claim is processed it takes only a few days to receive the money for your pets care. This is so important to most of us as veterinary care is so expensive and many of us can not manage when something bad happens. All of their customer service people were so very helpful. I highly recommend them to everyone.!!! Robin Allen- Pet Parent

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Robin - we so appreciate all of your kind words about our plan, reimbursement process and most importantly, our wonderful customer care team. We're glad we can play a part in your pet's care. Give your baby a big hug from us.
Emina M

10/2/2020
Healthy Paws has been a life saver for us. Our cat suddenly started vomiting blood, so we made an emergency appointment. It was a very scary, heartbreaking, and emotional experience. The vet bill ended up being very hefty, which was stressful as well. Healthy Paws processed our claims in less than two days, and we had a reimbursement check in the mail in another couple of days – what a relief. Not only that, but they sent a really sweet email to check on how our cat was doing! Healthy Paws is a truly caring, efficient, and affordable pet insurance company. I highly recommend them for anybody who has pets. It takes a huge financial strain off of your back and allows you to focus on what’s... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Emina - We're sorry that your kitty was so ill, but glad we could help relieve some of the financial strain so you could concentrate of your baby's well being. We can't thank you enough for all of your kind words. Give your kitty a big hug from us.
mikebidden

10/2/2020
I had a wonderful experience using HealthyPaws, it is really easy to submit a claim and I received my reimbursement quickly. I did miss a piece of information to have my claim processed buy HealthyPaws proactively reached out to my Vet and got all the information they needed. Highly recommend!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Mike - We're glad we could help in procuring the needs records to process your claim. We appreciate your kind words and hope you and your baby stay well.
A
Alex

9/29/2020
They paid our two claims very promptly. In both cases, they reimbursed us exactly as per the policy terms--no hassles or issues or issues of any kind. Service and care was exemplary in both cases. We are very happy customers, and I've recommended Healthy Paws to my dog-owning friends.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Alex - We're glad we can play a part in making sure your pup has access to the best available medical care. We appreciate the kudos for our policy and customer care. Give your baby a hug from us.
ladycatherineroper

9/29/2020
Healthy Paws pet insurance is a wonderful company. My five year old poodle has had a few medical issues come up and Healthy Paws has made filling claims a breeze. Their web site is extremely easy to navigate. One of the things I like the most is their quick turn around time in issuing me my reimbursements. I often receive a reimbursement before I even receive the credit card statement in which I placed the vet bill. Highly recommend this company.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
ladycatherine - We're glad that our quick turnaround time on reimbursements help alleviate stress on your finances. We appreciate the kind words about our claims process and website. Give your baby a big hug from us.
L
Lauren

9/29/2020
I've had a healthypaws policy for my Border Collie mix since I adopted him five years ago and have had a really positive experience. It's super easy to submit claims, the policy is straightforward with no surprises, and the communication from the company is clear, prompt and caring. One surgery was all it took to make five years of monthly payments worth it! The only reason I can't give five full stars is that it does take a bit of time to get reimbursed after submitting a claim. Overall, I would definitely recommend healthypaws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lauren - Thanks for taking time out of your day to write your review. We truly appreciate all of your kind words. Reimbursement by check can take 7-9 business days for it to arrive. We see that you have just enrolled in direct deposit for any future reimbursements. We're happy to say that this will knock off at least a week in getting those funds to you. Give you boy a big hug from us. The Healthy Paws Team
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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