Healthy Paws Pet Insurance Review

Rating: 9.8 / 10 (Excellent)
1,285 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 Periouds

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
3 days
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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1285 Customer Comments & Reviews

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Uta S
Boca Raton, Florida

Our 3.5 year old boxer developed a cancerous growth in his eye which had to be removed and we had to scan his entire body for possible tumors. Luckily he is fine for now. Healthy Paws was prompt and flawless in reimbursing us, highly recommended!

Birdsboro, Pennsylvania

Straight to the point - Healthy paws may have saved my puppy's life. On Christmas day we were surprised to find our 7 month old mastiff puppy with swollen joints and a softball sized mass suddenly appear on his ribs. We rushed him straight to the emergency vet. We were greeted with a costly diagnosis and treatment plan. Thanks to owning pet insurance, I wasn't burdened by any decisions between weighing my puppy's health vs the balance in my bank account. Concerned, I called customer service who was very receptive, answering all of my questions and putting my mind at ease. You could tell the receptionist was genuinely concerned and cared about our current situation. Honestly, this was... Read More

Miami, Florida

Healthy Paws was there for me when my puppy had a horrible car accident. They paid the claim on the spot over the phone with my vet. I am so thankful for their support and attentiveness during such a traumatic experience. I would recommend this pet insurance to anyone that has a young puppy, because accidents do happen!

Jan M
Pittsburgh, Pennsylvania

I rate healthypaws as one of the best health insurance for your pet. I had to use healthypaws insurance several times in my two young dogs lives and in every instance, they have come through. The service is excellent, you only need to submit their claim form which is very easy to fill out, then submit your receipts. I find it easy to send the form and receipts through email. Within a day or two you receive an email with a claim number then in another day or two you get the explanation of benefits with the amount you will be reimbursed. Within a week to 10 days you receive a check in the mail. I'm very happy I chose healthypaws for my dogs health insurance, I've recommended it to... Read More

Spring, Texas

Enrolling in Healthy Paws insurance for our chocolate lab was such a great decision. Our recent experience with the claims process was incredibly easy and an overall relief. Submitting a claim through the app and sending in medical forms is straight forward and takes about 5 minutes. The best part is if you need help and you call the help line, SOMEONE ANSWERS! This is not typical of insurance companies. My claims were reviewed, processed and paid out within a week. Afterwards, they even contacted me to see how my lab was recovering. What an incredible company and service.

Sabra S
Papillion, Nebraska

I am beyond grateful for the help and professionalism of Healthy Paws Insurance. I try to tell people how important pet medical insurance is, but it is still under the radar, I'm afraid. If it weren't for the medical insurance from Healthy Paws, we would have had to take out loans to keep our dogs alive. I'm so thankful that I found this insurance.

William C
Massena, New York

I purchased Healthy Paws insurance when Maya was just a puppy. She is almost five now. Despite my skepticism of the insurance industry as a whole, this company has processed every claim I have submitted fairly and rapidly. This includes, among others, TPLO surgery on both knees and mast cell tumor removal at Cornell Veterinary Hospital. As you may imagine, no small expense. Without their help we could not have afforded the care that Maya desperately needed. We are extremely grateful.

Lynn T
Hingham, Massachusetts

If you are looking for pet insurance, look no further. Healthy Paws is the insurance to get. They cover all accident and injury (not pre-existing) and pay each and every invoice quickly. We have an epileptic dog and have been having a hard time getting his seizures under control so this has included hospitalizations, MRI's, prescriptions, doctor visits, etc. and Healthy Paws has covered everything - no questions asked. Love Healthy Paws!!

Megan H
Menlo Park, California

We have been SUPER happy with Healthy Paws. They have approved all reimbursements that fall within our policy's guidelines. They even emailed to check in on how our dog was doing after his surgery! Quick payments, wonderful customer service. Totally worth it.

Bob R

I really don't know what I would have done if I didn't have Healthy paws. I've been paying for insurance for the past 3 years for both of my dogs - and actually hoping I would never have to use it - only because I've never had the experience before and I wasn't sure how it would work out. One of my dogs had an accident and needed double knee surgery. He was in pain and thank God for Healthy paws they processed the refund so quickly and they also sent me periodic emails asking about how our dog was doing - the rep I talked to on the phone was helpful and very sympathetic. This has been a great experience.

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