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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Denver, Colorado

No Costco discount. I just confirmed with Costco that they do not offer a discount and are not aware of any such partnership with Healthy Paws. Just put this here to make others aware . Please update the site. Thanks!
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Kate T
Boston, Massachusetts

My 4 year old Siberian Husky decided to eat a chew toy last week.. 3 visits to the vet and several X-rays later, it was determined that he needed surgery! The entire incident ending up totaling nearly $7,000! My dog had surgery last week and I have already received my reimbursement(s) from HealthyPaws via direct deposit! Beyond impressive! I had to make several claims due to visiting different vets over a series of days, but the process was beyond simple. I had to upload photos of the invoices that showed what he was treated for and the amount paid, and within days of each claim I received a break down of the reimbursement amount. I also contacted their customer service department via... Read More
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Newark, New Jersey

I cannot say enough how amazing of a company that healthy paws is and how much stress it took off of us knowing we had insurance. My dog Louie is our family and had make an extremely scary and dire situation that required emergency surgery and having healthy paws made the process a lot easier for us to get through especially knowing our vet bills were going to be so high. The claims process is so easy and fast- we got a response within two days with our EOB. No trucks and no fee schedule. I have had a different pet insurance before and this one is so so much better. I have been and will continue to recommend you to all of my friends and family. Thank you healthy paws!
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Pittsburgh, Pennsylvania

Thank goodness for Healthy Paws pet insurance! My French bulldog recently had to have surgery to remove a bladder stone and then 3 weeks later had a medical emergency that landed him in the hospital for almost a week. Without pet insurance I would never have been able to pursue such extensive veterinary care for him. The Healthy Paws reimbursement policy is fantastic! What a great company!!! I couldn’t be happier with the service I received.
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Newark, New Jersey

Have been a customer for about 4 years. Never had any problem to get reimbursements for any of my claims. Very satisfied!
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Los Angeles, California

Easily the best insurance company out there (this statement includes human insurance companies). Healthy Paws is one of the best decisions we have ever made. Our pup was diagnosed with Grade 3 Lymphoma in December 2016 and Healthy Paws helped extend his life significantly. Without them, we would have never been able to afford the care required to treat this aggressive cancer. Aside from the actual plan being phenomenal and fair, Healthy Paws makes filing your claims seamless with their app and direct deposit feature. Knowing that we HP behind us and peace of mind in this hard time has been a lifesaver. Dug is still with us, he's on his 3rd and most likely last treatment, but healthy paws... Read More
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deborah k
Newark, New Jersey

When I got our dachshund, my family and friends laughed at me when I got insurance on him. They thought it was wasted money. But I had done my research and I knew that this was a breed that was prone to IVDD. I looked at several different insurance companies and their reviews and Healthy Paws came out on top. Fast forward 2 years. My 4 year old pup tried to walk up a set of stairs and became paralyzed. We rushed him to the nearest neurosurgeon for surgery. When I got home, I called Healthy Paws to check my coverage and they told me not to worry. ..I was covered and just to worry about my dog, Dinky. Since the surgery, they have texted me to check in on my dog and have processed my... Read More
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Kristin H
Chicago, Illinois

Healthy Paws literally saved my dog’s life! Without it, I wouldn’t have been able to get her the treatment she needed. Healthy Paws paid my claims quickly and it gave me peace of mind to know that I would be reimbursed quickly following some large expenses. Knowing I had great insurance made all the difference.
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Howard B
Denver, Colorado

Healthy Paws is the best! It is extremely easy to submit claims; my vet sends me a PDF file with my invoice via e-mail, and I just upload this on the Health Paws website. In addition, Healthy Paws processes my claims in an extremely timely manner, with everything resolved in less than two weeks. Any coverage benefits are deposited directly to my checking account. The whole process couldn't be easier! All this for an extremely reasonable cost. Add in great customer service and I am VERY happy that I chose Healthy Paws.
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Los Angeles, California

We've had Healthy Paws Pet Insurance ever since we rescued our fur child 3 years ago and we are so happy with the level of service we receive from Healthy Paws. Although you never want to submit a claim because it means something bad has happened to your pup, the claims process is easy and Healthy Paws always makes it a point to check in on your dog after the fact. Highly recommend!
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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