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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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M
Marko L

4/4/2020
We took a Healthypaws insurance for our dow when we bought him 7 years ago. What ever happens in our dog's health, with Healthypaws we can be peace in mind. Filing a claim is really easy and claim processing time is quick. If additional questions or documents are needed Healthypaws contacts Veterinaries directly and saves the effort from us. Last month our dog got major problems and needed an MRI and lumbar puncture. Final bill was 3060$. Healthypaws processed the claim in 7days paid 80% of the cost. Our dog got the best care available and is happy and normal again.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Marko - We are so sorry to hear that your dog recently had some major problems and needed an MRI procedure and lumbar puncture. Thank you so much for the kind words and for taking the time to share your story. We love hearing from our longtime Healthy Paws family members. We are so happy that we were able to help you and your furbaby when you needed us the most. Please give your furbaby a big hug from us!
S
Shelley

4/3/2020
Healthy Paws is wonderful! It is very easy to submit a claim and the turn around time is fast! We’ve had multiple claims and Healthy Paws has been a huge help every time. Thank you Healthy Paws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Shelly - Thank you for the kind words and for taking the time to post your review. We are so happy to hear that you have been so happy with your Healthy Paws coverage. Please give your furball a big hug from us!
L
Lisa I

4/2/2020
My cat had to have surgery and initially did not do well afterward, necessitating a follow-up visit, which under the present stay-at-home order was especially stressful. Most veterinarian paperwork was done electronically, and I was pleased to see that I could upload the vet statements as PDFs directly to Health Paws. I received my reimbursement in about 24 hours as a direct deposit, which was great peace of mind, especially since I myself had not been well. Even under trying circumstances, Health Paws came through for me and my kitty, and I am very grateful.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lisa - Thank you so much for the kind words regarding your recent claims experience. We are so sorry to hear that your kitty recently required major surgery and follow up care. Hopefully, she is doing much better now. Please give your kitty another big hug from us!
pmckenna419

3/30/2020
I purchased health insurance for my dog when he was five years old. I spent several months researching all the companies out there because honestly, I was skeptical that companies wouldn't be reliable, trustworthy, wouldn't actually pay out when the time came. But, I've been down the end-of-life road with several dogs and it rips your heart out while wiping out your finances. I needed to be prepared and chose Healthy Paws. A year ago my dog had a large tumor that required a splenectomy and numerous expensive tests. Thankfully we caught and removed the cancer before it could spread. The bills totaled around $10,000 between checkups, surgery, ultrasounds, x-rays, and meds. Healthy Paws paid... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
pmckenna419 - Thank you so much for all the kind words and for taking the time to write your review, it's folks like you who are helping to raise awareness about the importance of having pet insurance for our furry friends and we thank you for that. We are so happy to hear that Healthy Paws has always had your back when you and Rex have needed us the most. Please give Rex more hugs from us!
L
Linda F

3/30/2020
Our 4 yr old Golden Retriever, Laika, had a walnut-sized lump removed from her chest on Jan. 30th, that I was worried about . . . it had been aspirated earlier, and tests showed that it was okay. But, I just didn't feel good about leaving it there. I pushed for surgery to remove it - it showed that the lump was malignant Subcutaneous Hemangiosarcoma. I thank God that it was removed before it spread to her organs - once it reaches their organs, there is no hope! Healthy Paws was right there with us - paid for all of the surgery, meds, etc. One month later, we went to the oncologist to have xrays and an abdominal ultrasound - once again, Healthy Paws covered these tests, which were... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Linda - We are so sorry to hear that Laika had to go through such a major surgery. It is so good to hear that she is doing much better now and all her test results came back negative. Thank you so much for taking the time to share your story and for all the kind words. We are so happy to hear that Laika is doing so much better and please give her one more big hug from us!
A
Anna

3/29/2020
It is apparently a truism that the pets of vet students (and those of their parents) come down with virtually every illness known, giving students the opportunity to have first-hand experience with every possible condition. When my daughter was in vet school, she and her classmates researched pet insurance companies to determine which were the best. A large majority selected Healthy Paws. After several urgings from my daughter, I signed our two dogs up for Healthy Paws insurance and will be forever grateful that I did. After about a year on insurance, one of our dogs began having serious medical problems in rapid succession—near-fatal pancreatitis, IBS, very difficult to control diabetes,... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Anna - We are so sorry to hear that your furbaby has been dealing with some rather serious health issues. Having a sick furbaby can be very stressful and scary, and also very expensive which is why having pet insurance is so important for all of the unexpected pet emergencies. We are so happy to hear that Healthy Paws was there for your family when you needed it the most. Thank you so much for all the kind words and for taking the time to share your story. Please give your pups more hugs from us!
M
MARIE Y

3/27/2020
I would recommend Healthy Paws to anyone after my latest experience. I had to take my cat for diagnostic testing, which included a CT scan, bloodwork, and a biopsy, and if I didn’t have pet insurance I simply wouldn’t have been able to afford his treatment. Healthy Paws also worked with my vet to make a direct payment so I was only responsible for my portion of the bill up front. Even if you aren’t concerned with your pet’s health now, this is a great way to prepare for the unexpected.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Marie - Thank you for the kind words regarding your recent claim experience. Although we are so sorry to hear that your kitty was not feeling well recently, we are so happy that we were able to help your furbaby when needed it the most. Please give your sweet kitty another hug from us!
sarahnmorrow

3/26/2020
Before I made a decision to purchase pet insurance through Healthy Paws, I had done a lot of research and it turns out I am so happy with my decision. Healthy Paws has provided the best insurance for my 4 year old lab. She has had a couple of unexpected issues and needed xrays, samples sent out for analysis of a potential bladder stone, and antibiotics. Since I knew Healthy Paws offers such complete coverage, I was so relieved that I didn’t have to choose between treatment options— I could choose the best option with out having to worry about cost. Not only has the coverage been superb, but the processing and reimbursement has been quick and simple. I would 100% recommend Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
sarahnmorrow - Thank you for taking the time to write your review and for all the kind words regarding Healthy Paw's comprehensive coverage. We are very happy to hear that you have been so happy with your lab's pet insurance policy. Hopefully, her bladder stone issues will resolve soon so she can get back to being the goofy lab she deserves to be. Please give her one more big hug from us!
njdavani

3/26/2020
I did all the research to choose a Pet insurance for my 3 rescue's and after careful consideration, I chose healthypaws. It wasn't just about price, but also service, and their involvement as stewards to help other animals. I'm grateful for their phenomenal service with my Pug Gus, and also Frankie and Pablo who have also had visits the healthypaws reimbursed for. It's a great benefit to get pet insurance, but more importantly, it's something your pet deserves, and will give them a healthy and longer life. Without healthypaws, sometimes people have to make sad decisions they normally wouldn't have because of the financial consequences. healthypaws gets rid of that problem, and it's... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
njdavani - We are so happy to hear that Gus, Pablo, and Frankie are part of the Healthy Paws family and that having your furbabies protected means you can sleep easier at night. We agree that no pet parent should have to make hard medical decisions based on what they can afford which is why we believe that every pet should be insured. Thank you so much for the kind words and please give your 3 furbabies another big hug from us!
S
Stacy

3/25/2020
I cannot say enough good about Healthy Paws! They are just amazing from start to finish - from picking a package, to submitting a claim, to being there when you need, no questions asked! They are unlike any insurance company I have ever gone through, and not just pet insurance. HIGHLY recommend!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Stacy - Thank you for taking the time to write your review and for all the kind words. We are so happy to hear that all of your Healthy Paws experiences have been so pain-free. Thanks for the recommendations and please give your furbaby 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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