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Healthy Paws Pet Insurance Review

3,221 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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3221 Customer Comments & Reviews

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Shivani C

6/1/2020
We signed up for Healthy Paws within a week of adopting our mixed breed dog from the Humane Society. Our dog was a healthy pup, and we actually didn't have to file a claim with Healthy Paws for the first two years but we felt secure knowing that if something unforseen were to happen we were covered. I did a ton of research online prior to selecting Healthy Paws, and I couldn't be more pleased with our decision to choose them for our pet insurance needs. Our dog is now almost 4 years old, and he has been going through a bad bout of illness over the past few weeks. He has been in and out of emergency rooms, and has required expensive tests and procedures such as x-rays and ultrasounds.... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Shivani - We are so sorry to hear that your pup recently had a few major medical emergencies to include a surgery, we hope that his recovery is going well. Having a sick or injured pet can be very scary and stressful. Veterinary expenses can add up quickly and without having pet insurance it can be very hard for pet parents to pay for their furbabies medical care. Thank you so much for the kind words regarding your recent claims experience and coverage. Please give your pup a big hug from us!
elisa.phillips

5/30/2020
Healthy Paws has been a top notch provider for my two dogs. They have excellent, timely service and through they're consistency, they've built trust that gives me piece of mind for the lifetime of my dogs. I highly recommend Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
elisa - Thank you for the kind words regarding Healthy Paws amazing customer service and fast reimbursements. We are so happy to hear you are so pleased with your coverage. Please give your pup's big hugs from us!
heidi

5/29/2020
Getting Healthy Paws pet insurance was one of the best decisions I've made. My young husky has already had two surgeries and their reimbursement was very reasonable. Filing claims is easy and their processing times are very fast. They even followed up to see how my dog was recovering from surgery. I highly recommend!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
heidi - We are sorry to hear that your husky has had to have surgeries. Thank you so much for being part of the Healthy Paws family member and for the kind words regarding the positive experience you have had with your claim and quick reimbursement. We are so happy to hear that you have been so happy with your claims experience. Please give your furbaby a big hug from us!
orourkes325

5/27/2020
This company has hands down the best customer service! They make it stress free and easy to file a new claim. The process of claims are around 3-10 days and any coverage that is owed back to you is in your account within a few days. Our puppy was sick and they even reached out to ask how he was! What insurance company does that?!! None! I’m so impressed that they even care and check in with their clients. If you have a pet get insurance and use Healthy Paws, you will not be let down. You have my business forever more!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
orourkes325 - Thank you for the kind words regarding your claims experience and quick reimbursement. We are so happy to hear you have enjoyed being a Healthy Paws family member and that your experience has been so positive. We hope that your puppy is feeling better and please give your baby big hugs from us!
T
Tina S

5/26/2020
Where to begin......Healthy Paws staff are all amazing! They care about our kids (to us they are with a lot more hair) They go above and beyond every single day. They are kind and understand everyone's circumstance. Our precious boy, Gatsby had cancer, luckily it was a Mast Cell Tumor, low grade, clear markings. We caught it in the early stages and the tumor was removed, we will not need any other therapy. While the upfront cost of surgery is substantial, Healthy Paws reimbursed our claim and within 48 hours I had 90% of our claim reimbursed. AMAZING! In times of a pandemic crisis, they make life easy. THANK YOU Healthy Paws! We will forever be grateful for taking care of our... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tina - We are so so sorry to hear that Gatsby had to go through such a scary surgery. Thank you so much for the kind words regarding our amazing customer service and quick claims turnarounds. We take great pride in providing our family members with top-notch customer service and a simple claims process. Thank you for sharing Gatsby's story and please give him and Ruby a big hug from us!
Teri B

5/22/2020
I have unfortunately had to use my insurance on my 5 year old golden retriever several times. He has needed medicine for allergies and more recently he had surgery on both back legs after ACL ruptures and it could not have been easier. No questions asked and the claim was processed within days. They even checked in to see how his recover was going. I could not be happier with Healthy Paws

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Teri -We are sorry to hear that your golden has had to deal with allergies and major leg surgeries. Thank you so much for being a Healthy Paws family member and for the kind words regarding the positive experiences you have had with your claims and quick reimbursements. We are so happy to hear that you have been so happy with your claims experiences. Please give your pup a big hug from us!
T
Tracy W

5/22/2020
Healthy Paws is the best insurance company I’ve ever dealt with. They are very quick to finish claims and pay back money owed. They truly cover everything they promise. Everything is done by computer and claims are very easy to complete. They truly care about your pet and follow up to make sure they are doing okay. Getting Healthy Paws was the best decision I’ve made!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tracy - Thank you for the kind words regarding our quick and easy claims process. We take pride in making the whole claims process as simple and easy as possible so our family members can focus on what's most important, the health of their pets. Please give your pet a big hug from us!
Leila D

5/21/2020
Third time was a charm! The first two pet insurance companies that I tried were such a hassle to deal with. Healthy Paws makes it so easy! Just download their app... when you have a new claim just take a picture of the invoice through their app and hit send. You will receive emails saying they have received your claim, then another that they are reviewing it, then a final one saying it’s been completed. At that point they will either send you a check for reimbursement or you can have it direct deposited into your account. Healthy Paws has always been very fair with reimbursement. It is such a quick an easy process... I highly recommend Healthy Paws for your fur babies!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Leila - We are so happy to hear that Healthy Paws has exceeded your expectations and that you have been so pleased with the coverage. Thank you so much for the kind words regarding Healthy Paws super convenient mobile app feature and quick reimbursements. Please give your fur babies big hugs for us!
A
Amy

5/20/2020
I have used Healthy Paws Insurance for two dogs for a total of 5 years. In both cases, HP has delivered on what they say. It was easy to talk to someone who,patiently, listened and answered all of my questions. Additionally, the claim processing is quick and typically processed within a week with a check received shortly after completion . This is excellent and consistent Customer Service . I encourage my friends to use Healthy Paws for the pets!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Amy - We are so happy to hear that you have been so happy with your Healthy Paws coverage and customer service over the years. Thank you for the kind words and for taking the time to post your review, we truly appreciate it. Please give your both your pups a big hug from us!
G
Gwynne

5/20/2020
I love the personal service. Healthy Paws sent a follow up postcard and email to check up on my dog after she had to be hospitalized for a life saving procedure. That extra step meant a lot to us. They are also extremely easy to work with and very efficient. I did everything I needed to do and sent my claim right on my phone, and in under a week I received my reimbursement checks.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Gwynne - Thank you for the kind words regarding our easy claims process and friendly customer service. We are so happy to hear you have been so pleased with your Healthy Paws policy and look forward to providing you and your dog unparalleled service for many years to come. Please give your pup a big 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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