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Healthy Paws Pet Insurance Review

3,223 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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3223 Customer Comments & Reviews

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cschwebke

9/9/2023
Healthy Paws is a terrible company and please find another as their customer service management failed me in every way for a full refund. I have been with Healthy Paws for several years and due to financial hardship due to a devastating divorce I was left with no income and canceling every service I can to survive. I had no ability to pay my $192/mo premium and received a cancelation notice of 9/29/2023 which I expected. Today 9/9/2023 they charged my credit card without my knowledge and refused to refund the $192 premium. I called immediately and was escalated to customer relation management and again they refused to refund my premium. They are really good at taking our money but are... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
cschwebke - We’re sorry for the issues you are having in your personal life and that you were not satisfied with your customer service experience. As you stated in your review, a Notice of Cancelation with a cancelation effective date of 9/29 was received by you. Until 9/29, your policy was active. Since your policy had a premium payment due date earlier this month, premiums were collected. During your call with our team member, the explained how premiums are processed and canceled your policy effective today. You will receive a pro-rated refund of your premiums to the credit card used on your account.
alex.izzedin

8/28/2023
Healthy Paws is very helpful in case of emergencies with my dog. The process to open a claim is very seamless (you just upload copy of itemized receipt which your vet can provide to you). They process the claim within few days and usually reimburse you without any questions!

A
aviolet1

8/26/2023
I have dealt with multiple human and pet insurance companies in my lifetime and none have been as easy to deal with as Healthy Paws. The claims submission process is incredibly streamlined, the turnaround time for reimbursement is quick, and it is easy to access benefits. Other companies put up many barriers to accessing benefits, so it is much appreciated to not have to deal with that while also caring for a sick pet. Thank you, Healthy Paws! I’d gladly recommend your services to any pet owner.

stephenjrosen

8/24/2023
Healthy Paws is good pet insurance. Easy to file claims, no hassle payments, and reasonable rate of reimbursement.

Vasiliki M

8/17/2023
Healthy Paws was prompt with the processing of my claim for my Yorkie's TPLO surgery. They also sent the refund check quickly and I had no problems with the claim at all.

K
Kelli

8/9/2023
Healthy Paws is amazing. My cat was diagnosed with a rare heart condition and if it were not for Healthy Paws I would not have been able to get him the treatment he needs. The claims process is fast and easy. They even have an app so you can conveniently do everything from your phone. I cannot recommend them enough. Healthy Paws has saved my cat's life.

ap

7/31/2023
Overall a good Pet's ins for our French Bulldog. Glad we've got one.

D
dsmare

7/31/2023
The extremely fast turnover was very helpful during this worrisome time. The team seems truly caring and kindly enquirer about about our dog’s recovery.

D
Daniella

7/31/2023
I’ve had Healthypaws Pet Insurance for 3 years now and I’ve been very satisfied with their service. They have been extremely reliable. Filing a claim is easy and they are quick with reimbursements. pleased to be a client.

mikescola

7/27/2023
Excellent coverage. Submitting a claim was easy and they got us a check fast. I'm happy to have them and will continue!

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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