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Healthy Paws Pet Insurance Review

3,229 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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3229 Customer Comments & Reviews

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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!
J
Jennifer

3/25/2020
Easy claim submission by phone, excellent customer service and quick reimbursement! I’m so grateful I chose Healthy Paws for my pet insurance needs!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jennifer - Thank you for the kind words regarding our excellent customer service. We are so happy your experiences have been so positive. Please give your furbaby a big hug from us!
Lorilyn M

3/25/2020
Healthy Paws has been a life saver for me. They have been swift with the reimbursement checks while I have been dealing with the pain of having to have my dogs leg amputated. If it wasn't for them my baby would still be suffering

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lorilyn - Thank you very much for the kind words. We are so very sorry to hear about your pup's major leg amputation surgery and hope that your baby's recovery is going well. Please give your furbaby a huge hug from us!
Lisa B

3/25/2020
Every contact I have with Healthypaws is amazing. I have 2 large breed dogs insured by them and sign their praises to anyone who will listen. One of our dogs recently had to have a major surgery (over $4000) and healthypaws customer service did everything they could to ensure that it went smoothly and even worked out a direct pay with the vetereinarian so we didn't have to come out of pocket for the majority of the cost. That is major when you are unexpectedly hit with a $4000 bill. I refer them to all the pawrents I know.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lisa - We are very sorry to hear that one of your furbabies recently had major surgery and hope the recovery process is going well. Thank you so much for taking the time to share your story and for the kind words. Although we are sorry that your pup needed a major surgery we are so happy that we were able to help with the expenses. Please give both your pups another big hug from us!
L
Loren R

3/24/2020
Prompt, friendly customer service. Extremely easy to work with. Very caring staff-checks in on your pet after procedures. Various options of insurance coverage-not too expensive. Would highly recommend to anyone looking for any type of coverage for their pet.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Loren - Thank you for the kind words regarding your recent 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!
nikki.schulman

3/24/2020
I've been paying the monthly premium for Healthy Paws for my dog for about four years now, all the while hoping, of course, that I wouldn't ever need it, but also wondering at times "is this expense REALLY necessary?" I got my answer recently when my 8-year old dog had to have surgery to repair a ligament in her knee. The surgery and hospitalization costs ran up to about $7,000. I submitted my claim the same day, and with no hassle or question, the claim was processed and I received my check in the mail before my credit card payment was even due. I was so glad I had the policy and immediately felt that the past four years of payments were worth it. My dog will need to have some physical... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Nikki - We are very sorry to hear that your pup needed a major knee surgery recently and hope her recovery is going smoothly. Thank you so much for 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. Please give your furbaby another big hug from us!
Tracy S

3/24/2020
The best pet insurance you can have! Unfortunately, my dog has had two catastrophic injuries and without Healthy Paws, we would have been able to treat her as the vet bills were in the tens of thousands both times. The process of submitting a claim is effortless and takes less than 30 seconds. They reimburse you very quickly and always check up to see how your pet is doing. I can’t recommend Healthy Paws enough!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tracy - We are so sorry to hear that your furbaby is a little bit accident-prone. 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. We hope your pup stays healthy and please give her a big hug from us!
H
Heather A

3/22/2020
The caring customer service staff at Healthypaws provided rays of caring sunshine during the nightmare of our dog being run over by one of our employees. When I called in to ask a question or check the status of my claim, I had a competent and empathetic ear on the other end of the line. I was truly surprised at how much of our claim was reimbursed. I used to think pet insurance was a frivolous investment I would never use. Boy was I proved wrong when our golden Sandy was the picture of health with zero preexisting conditions at age 6 when we added a new puppy to our family. We decided to get insurance for the puppy and then said why not do the same for Sandy? Six months later Sandy was... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Heather - Thank you so much for all the kind words regarding our caring and compassionate customer service team. Our team takes great pride in taking care and reassuring our Healthy Paws family members when they need it the most. We are so very sorry to hear about Sandy's major accident and hope she is doing much better after her major surgery and please give both of your furbabies a big hug from us!
J
John D

3/21/2020
Healthy Paws is ABSOLUTELY the best pet insurance. Healthy Paws has saved us thousands of dollars. We have had the benefit of extending our pets lives. When your pet has a serious illness and you take them to a first class hospital your bill can be enormous. We had a Golden Retriver who ate a stuffed animal and had to have surgery. That bill was $5,000. Than shad to have a splenectomy which was another $6,000. Healthy Paws after a $250 deductible they paid 90% of the bill. We were able to keep Our golden for 16 years. If we didn’t have Healthy Paws we would not have been able to afford it. We have had two other dogs who also needed care and Healthy Paws was there for us again.... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
John - We are so sorry to hear about your Goldens major foreign object removal, and splenectomy surgeries. Obstruction surgeries are quite common, usually unexpected, and are always very expensive. Although we are very sorry to hear your dog had to go through such a major surgery, we are so glad that Healthy Paws was able to help with the financial aspect. Thank you so much for the kind words and for sharing your story. We are so happy to hear that you have been so happy with your Healthy Paws coverage over the years. We look forward to protecting your pups for many years to come and please give your furbabies one more big hug from us!
Becky M

3/21/2020
Healthy Paws is an amazing company with incredible customer service! Submitting a claim is as easy as uploading a picture of your vet bill with your phone. Reimbursement checks are received within a couple weeks and they send you an email asking how your pet is doing! This is a business that cares about it's customers. It is such a comfort knowing that my fur babies will always have access to the best available medical care. It's worth every penny!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Becky - 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!
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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