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Healthy Paws Pet Insurance Review

3,228 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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3228 Customer Comments & Reviews

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Michelle P

5/7/2020
So happy with them. I have never had pet insurance for my dogs but felt it was the responsible decision to make. I am extremely happy I did. My dog needed to have invasive, severe knee surgery unexpectedly. submitting the claim was extremely easy and I was reimbursed within a week and a half I’d say from submission to receiving a check. Whenever you call healthy pets they are extremely helpful and just all-around wonderful. I highly, highly recommend this pet insurance and if you are considering getting insurance it is absolutely worth it.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Michelle- We are so sorry to hear about your pups major knee surgery, and hope that recovery is going well. Thank you so much for taking the time to share your story and for all the kind words regarding Healthy Paws amazing customer service. Please give your sweet baby a big hug from us!
Tracy T

5/6/2020
So easy to work with and received claim reimbursement in less than a week.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tracy-Thank you for the kind words regarding our quick and easy claims process. Please give your pet big hugs from us!
J
Jen M

5/6/2020
I have had Healthy paws insurance for both of my dogs and they have always been super quick to process claims, answer questions and cover a lot of vet bills we have had over the years. I have and continue to be so impressed. Thank you -

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jen-Thank you so much for all the kind words regarding Healthy Paws incredible customer service and super easy claims submittal process. We take great pride in providing our family members with exceptional customer service and an easy claims process. Thank you again for taking the time to write your review and please give your furbabies a big hug from us!
S
Sheryl H

5/4/2020
We have been with Healthy Paws since August, 2017. Our 3 pound poodle has had various issues from simple ear infections, tummy troubles to major abdominal surgery and even back lacerations from a large dog attack and Healthy Paws has been there for us! I would never have a pet without this insurance company! They have stood by little Blink through thick and thin! And it’s so easy to submit a claim! Literally I just take a picture of the doctor bill on my cell phone and with a simple push of a button it’s submitted! The check usually arrives within a couple of weeks! It’s that easy! If you are thinking about insurance for your pet... DO IT! Trust me Healthy Paws has reimbursed me over... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sheryl-- We are so sorry to hear that your furbaby has been through so much. As pet parents ourselves we totally understand. Luckily that's exactly what having pet insurance is all about. Protect our furry loved ones, and our bank accounts against all of those unexpected accidents, illnesses, and injuries. Thank you for taking the time to post your review and for the kind words regarding Healthy Paws effortless claims process and quick reimbursements. Give little Blink big hugs from us!
joannepetrilli

5/4/2020
Healthy Paws saved my sanity. My dog Sparky was diagnosed with lymphoma in October 2019. Dire news with 2 options, putting him down or chemotherapy. I contacted one of the many wonderful customer service reps to ask if my policy covered cancer treatment, I was told Yes!! as well as all the medications involved. Sparky is now in total remission and will only need followup ultrasounds etc. Healthy Paws has given my Sparky added months to his perfect little life. I will be forever grateful to Healthy Paws for helping extend Sparky's life. My only form of gratitude is to tell every dog owner I see to switch to this company. Thank you all at HP. Joanne Petrilli

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Joanne- We are so sorry to hear that Sparky had go through chemotherapy, but we are very happy to hear that he is in total remission! Having Healthy Paws allows pet parents to make the best decisions for their pets without having to worry about the costs. Thank you so much for sharing your story and for your kind words. Give Sparky a big hug from us!
K
Kelsey T

5/1/2020
We did a lot of research for our giant schnauzer, Greg, when choosing pet insurance. We landed on Healthy Paws after a few people we knew recommended it and reading great reviews on the company. It was the best choice we’ve made with our pup so far. He’s very mischievous and somehow lands himself in the puppy hospital every other month. Healthy paws processed the claims quickly and has never pushed back about the services he receives when it comes to paying for his vet bill. Healthy paws differs from other pet insurances in the way that they do not require a second vet’s opinion before a service is rendered, has no maximums, you can go to whichever vet you please, and has no complex spread... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kelsey T- We are very sorry to hear about your curious pups mischievous ways. We are very happy to hear that he is protected by Healthy Paws, and that we can be there when you need us! Thank you for the kind words and for taking the time to share your story. Please give your Greg a big hug from us!
laylamcdeen

4/30/2020
I have been a member of healthy paws for about 5 years. In the last month they have really gone downhill. It's been really difficult getting my reimbursement. I had to submit a document to them 4 times and then call twice just for one invoice.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Thank you for being part of the Healthy Paws family for the past 5 years. As a company, we value our client’s input, good or bad. Unfortunately, we cannot find your account in our system with any degree of certainty using the limited information in your review. We apologize for any delay in the processing of your claim as a quick turnaround time on claims is a priority for our customer care team. We are very sorry your baby was ill, please give them another hug from us!
C
Carol A

4/30/2020
The best care partner when you need them most. Wonderful customer service and ease of claim processing. I highly recommend them.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Carol -Thank you for the kind words regarding your customer service experience. We are so happy to hear you have enjoyed being a Healthy Paws family member and that your experiences have been so positive. Please give your pet a big hug from us!
Debra C

4/30/2020
I have had insurance with Healthy Paws for 7 years for 2 dogs. I have always found them to be caring, compassionate and professional. Their claim process has been streamlined and is very easy to complete on line. Staff are quick to process the claim. I have never had difficulty with reimbursement and have received checks in a timely manner. I would highly recommend Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Debra- We love hearing from our longtime Healthy Paws family members. Thank you for the kind words regarding your claims experience. Please give your furbabie's big hugs from us!
stcornell

4/30/2020
Healthy paws was great and came through flawlessly when our dog needed surgery. Excellent, timely and responsive service!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
stcornell - Thanks for all of your compliments! We're sorry your pup had to have surgery and hope the recovery is going smoothly. Give your baby 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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