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Healthy Paws Pet Insurance Review

3,227 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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3227 Customer Comments & Reviews

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Linda B

9/19/2020
When it comes to pet insurance, I can’t say enough about what an exceptional company Healthy Paws has proven to be. The premiums are very reasonable; the coverage is excellent; their response time for the review/payment of claims is very good, and their communication with pet owners and customer service is outstanding.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Linda- We appreciate the time it took for you to write your review. Thanks for all of your kind words regarding our customer service, claims submission and reimbursement process.
T
Tyler B

9/18/2020
My last cat had a lot of health issues towards the end of her life, so when I was getting my new cat his vaccinations and such, the vet recommended getting insurance. I ended up deciding to try it out and after a lot of research so decided to try Healthy Paws. A couple months into his coverage, he got really sick and had to be hospitalized. When I got the $1500 bill I was so relieved I had gotten him insurance... until I submitted the claim. Healthy Paws kept saying, “We need his medical records.” But both his usual vet and the ER I took him too had sent it in twice. They finally closed the claim without processing it. I’ve emailed them twice and gotten no response. I’m not sure what’s... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tyler - We're sorry your kitty was sick and hope he has made a complete recovery. All claim decisions are based off of your pet’s medical records and the signs/symptoms that are noted in those records. Most pet insurance companies including Healthy Paws use a pet's medical records to determine if there are any pre-existing conditions which would keep us from approving a claim. We appreciate your recent efforts to provide us with those records. Unfortunately, we are still missing some needed records to process your claim. One of our customer care team members reached out via email and provided details on what was still needed and has already created an appeal for the closed claim. Once those records have arrived we'll be able to begin processing that appeal. Give your kitty a hug from us.
L
Laura W

9/17/2020
So glad I purchased this insurance. They were highly recommended by others. My young puppy got salmon poisoning which resulted in several visits to the Vet and an overnight stay in the hospital. Very costly and stressful. It was very easy to submit the claim online and I received reimbursement quickly. So worth it, and they even followed up with me to see how my puppy was doing. A+++

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Laura - We're sorry your pup had to deal with that salmon toxicity, but glad we could be there to help. We appreciate your kind words regarding our claims and reimbursement process. Give your baby a hug from us.
Mitzi L

9/17/2020
I have never had such caring and responsive customer service than with Healthy Paws. They truly care about my fur babies! My claim was handled quickly and fairly. Look no further for EXCELLENT pet insurance. It's a great investment in your pet's health and well being.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Mitzi - thanks so much for all of your kind words regarding our customer care team and claims processing. We're glad we can be there to help when your babies aren't feeling well. Give them big hugs from us.
M
Mike B

9/16/2020
The speed with which this company processes and pays claims is outstanding. The customer service is off the charts. I recommend them To anyone looking for pet insurance.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Mike - Thanks for the kind words about our customer service and claims processing. Thanks for the recommendation - give your baby a big hug from us.
Myrna U

9/16/2020
My pets are family… they give us so much unconditional love and complete our family, that when they get sick, it breaks our hearts. After much research and listening to friends referrals, we are blessed to have chosen Healthy Paws Pet Insurance to help us provide the best medical care for our pets. On three separate occasions we have had health emergencies ranging from stomach problems, pneumonia, and heart murmurs. And, on all three emergencies, Healthy Paws was there helping us process our claims promptly and professionally. One of the things I love is their client friendly easy to maneuver website! I am no stranger to the computer, however, my friends not so much. So as a retired... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Myrna - Thank you so much for taking time out of your day to write your review. We're glad we can play a part in making sure your babies have access to the best available medical care when needed. We appreciate all of your kind words about our customer service and easy to navigate website. Give Coco and Mocha big hugs from us.
elena.chrimat

9/14/2020
Been using Healthy Paws for many years now and have had 5 dogs on the insurance so far! Best decision I ever made because I've had emergencies over and over again and it's great not to have to decide between your pet and your financial stability. They've been great to work with and compensate you back quickly. I won't use any other provider.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Elena - We are so happy that over the years we have been able to play a part in making sure your babies have access to the bet available medical care. Thanks for the kind words about our quick reimbursement process. Give your gang big hugs from us.
M
Melissa L

9/14/2020
I was very impressed with the genuine care and concern HealthyPaws showed after I submitted my first claim. They even followed up weeks later to see how my pup was doing. My claim was processed timely and funds were deposited directly into my account. No need to wait for a check!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Melissa - We really appreciate all of your kind words. Glad you like our ability to reimburse you via direct deposit. Give your pup a big hug from us.
jeff.lee6268

9/13/2020
If you have a dog or cat, I highly recommend Healthy Paws Pet Insurance. I have used Healthy Paws for the past three years and have never had any trouble with them. Recently, my three-year-old dog was diagnosed with cataracts and detached retinas in both her eyes. She needed an emergency surgery to fix both before they got worse. The medical expenses for these surgeries was astronomical, but Healthy Paws ended up covering 90% of the cost. It made a world of difference, and allowed me to focus on getting the best quality of care for my dog rather than worry about the bill. Thank you Healthy Paws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jeff - Thanks for being party of the Healthy Paws family for the past 3 years. We're so happy we could help with your pup's major eye surgery. We hope she has a smooth recovery - give her a big hug from us.
sbroockman

9/13/2020
Healthy Paws always responds quickly. It is always easy to upload information. Claims are settled fast and fairly. Our dog is 4 years old and has unfortunately had some health issues. This is our first dog, and therefore our first experiences with pet-insurance. We are so glad we chose Healthy Paws. They not only respond quickly, but check on our dog after a claim is filed and settled, just to see how she is doing. A bright spot in challenging times.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
sbroockman - Thanks for all of your kind words regarding our customer service and easy claims process. We glad we can play a part in your baby's care whenever she has health issues. Give her a hug from 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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