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Healthy Paws Pet Insurance Review

3,343 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 Do We Rate Healthy Paws?

Breakdown

4.5/5
Coverage
4.0/5
Cost
4.0/5
Extras

Our Overall Rating: 4.4 / 5 (Excellent)

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 - 4.5 / 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 / 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 / 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 - 5 / 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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3343 Customer Comments & Reviews

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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
s.v.honeycutt

9/28/2020
I changed my card number online as required, confimred the process via phone with HP customer rep. My plan was canceled but the new card never charged, no denial through my bank. Confirmed with HP it was the correct number, correct exp. date, put in on time. I had never even used the insurance. I understand it was probably a computor issue but since I hadn’t done anything wrong and followed they’re instructions, which they did confirm they weren’t sure what happened, I should have been reinstated but they refused. They said I could reenroll, wait through another waiting period but considering the customer service I recieved on the first two calls I determined they weren’t to be trusted... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
S.V. - A Healthy Paws policy is continuous until either canceled by the policyholder or if there is non-payment of premiums. We understand that there are times a policyholder’s credit card used on the policy could be compromised by fraud or that there may be a change in bank accounts, expiration date, etc. We understand that you updated your card information, but that transaction was also declined. Unfortunately, insurance industry regulations do not allow for the reinstatement of a canceled policy once outside of the notification period. We’re sorry to lose you as a policyholder and hope you and your pet stay well. The Healthy Paws Team
Yuli Y

9/28/2020
very happy with the service. very quick response time, and claim payout turnaround. would definitely recommend.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Yuli - Thanks for the kind words - give your baby a hug from us.
P
Pascale

9/26/2020
To say that I am thankful to Healthy Paws is an understatement. They literally saved my life and my cat's life. At 6 years old, my little Pitchoun unexpectedly fell ill and had to have a major surgery. He stayed several days at the veterinarian hospital and bills started to pile up. Healthy Paws Insurance has been so easy to deal with in these times of stress. I don't know how I could have gone through this terrible ordeal without them. Not only did they reimburse each bill in a timely fashion, but they went the extra mile, even checking on my cat weeks after the surgery to make sure he was doing fine. Dealing with Healthy Paws Insurance is like dealing with a friend or family member. The... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Pascale - Thank you so much for taking the time out of your day to write your review. We're glad we can play a part in relieving some of the financial stress so you could concentrate on Pitchoun's recovery. Thanks for the kind words regarding our customer care team. Give Pitchoun another big hug from us.
B
Brian G

9/26/2020
Absolutely no complaints with healthy paws. Our pooch just had a tumor removed and we only had to pay $180 for the surgery. Her policy is quite clear as to what is covered - we pay for exams and 10% of anything else once the deductible is met. We've never had an issue and get paid within a week of a claim. I just recommended healthpaws to a coworker who had to start a gofundme to pay for her dog's recent surgery. It is nice never to have to worry ourselves.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Brian - We're so sorry that your pup had to have that tumor removal surgery, but glad she is doing well in her recovery. We appreciate the kind words about our easy to understand policy and efficient reimbursement process. Give your girl a big hug from us.
R
Richard C

9/24/2020
Healthy paws has been outstanding our doggies had some serious health issues not only did they pay their share .they follow up with me to extended their condolences for the loss of one and ask how the operation went for the other . As long as I have pets HealthyPaws will be their insurance

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Richard - We're sorry for the loss of one of your sweet pups. We appreciate the kind words regarding our service. Give your baby a big hug from us.
Lynda T

9/24/2020
They always take care of my claims quickly, no surprises. And send personal emails often about how my pets are doing.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lynda- - We appreciate the time it took for you to write your review. Thanks for all of your kind words regarding our customer service and claims process. Give your baby a hug from us.
Lizz H

9/24/2020
Healthy Paws pet insurance has been a lifesaver. Our two young dogs have had a handful of serious emergencies over the past few months. We were able to get them medical care with the peace of mind that Healthy Paws would be super responsive to questions and process our claims quickly. On top of that - their team kindly reached out to check in on our dog after she received emergency care for severe stomach problems. I can not recommend Healthy Paws enough!!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lizz- We are very sorry to hear that your babies have had some emergencies over the past few months. We are so happy to hear that Healthy Paws has given you peace of mind for your family. Please give your babies a big hug from us!
H
Hope E

9/23/2020
HealthyPaws does not cover your actual vet visits/exams (or pre-existing conditions) but other than that they are fantastic. The monthly fee is low and my policy has no upper limit on costs. More importantly, every single person I have spoken or interacted with has been exceptionally nice and willing to help, and speaking with a representative on the phone felt very "small-town" in the best way.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Hope- Thank you so much for taking the time to write your review and for the kind words about our customer service. We do our best to be transparent throughout our website, during the enrollment process and in the policy documents available to each client in their online Healthy Paws account regarding the limited exclusions of our policy. Those exclusions are pre-existing conditions, preventative/routine care and the office visit fee (vet exam, emergency exam, recheck or consultation). Anyone visiting our website can see this information on our “Benefits, Coverage and Exclusions” page. By making these limited exclusions part of the pet parent's financial responsibility, it allows us to offer a complete accident and illness plan at an affordable monthly premium. Our policyholders value comprehensive accident/illness coverage and unlimited benefits at reasonable rates, which is why they choose to assume the responsibility of paying for those costs.
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Rated "Best Choice Overall" by Mashable

  • No Maximum Annual or Lifetime Payouts
  • No Enrollment or Administrative Fees
  • Most Claims are Processed in 2 Days
  • Trusted by More than 625,000 Parents
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