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Healthy Paws Pet Insurance Review

3,227 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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3227 Customer Comments & Reviews

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Stu J

6/25/2023
Healthy Paws hasn't reimbursed my insurance claims. I'd recommend going with another insurance company.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Stu - We're sorry for any confusion or frustration during the processing of your claims. Your claims were denied due to missing information. Per your plan documents, we do require medical records for all enrolled pets in order to process claims. Once full records are received (typically we ask for them when you file your first few claims) we will keep them on file for future claims processing and you will never have to submit full records again. In the future, if we do need clarification for a specific claim, we may simply request the date of service exam notes for that visit. We are still in need of detailed examination notes from your pet's veterinarians. We have only received some notes and what are called line item records (these do not note much information with regard to the visits). We had previously requested the records from the clinic and have not received any of the needed documentation. Our team sent another request today on your behalf. Once these records are received, we can gladly open the claims up again for review.
T
Travis H

6/13/2023
I’ve had nothing but positive experiences with Healthy Paws. I’ve, unfortunately, had to submit a few large claims due to emergencies, and the reimbursements were direct deposited to my bank account within just a few days. They even emailed to check in on our kitties. The app makes it very easy to submit your paperwork, and customer service has always been quick to respond. Highly recommend.

Renee M

6/12/2023
The best pet insurance that there is, highly recommend to all. My two pups have been on the plan for over 7 years, and we couldn't be happier.

melissamartinez0311

6/12/2023
Our puppy was electrocuted and was hospitalized for six days. If it wasn’t for our friends that recommended insurance through Healthy Paws, we would have had to put Odysseus down. Healthy Paws is affordable and covers almost everything. All we had to do is take a picture of the paid invoice and upload it to the app. It was also easy to speak to customer service on the phone. We can’t speak highly enough about the company.

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Larry M

6/7/2023
I can't say enough about Healthy Paws and the care they have enabled me to give my dogs! They came through every time. My dogs ended up being pretty high maintenance and there were many expensive hospital and vet bills over there lifespan. The peace of mind is invaluable in knowing that whatever procedure is needed to help your pet, can be given without hesitation knowing that Healthy Paws will be there for you and your pets! That is invaluable!! All of their many Vets know that whatever procedure or treatment they think my dogs need, I would not hesitate to say: "Yes, do it!" They always have to ask anyway. I thank them so much for their kindness and consideration thought all the... Read More

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Leon Y

5/25/2023
Healthypaws pet insurance is simply incredible. They are proficient, expedient and caring. They have insured my furry family member since he was old enough to qualify. Claims are processed in record time. I routinely share my love for their services to all my other friends that are pet owners too.

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Larry K

5/22/2023
Our doodle had emergency surgery. We submitted the claim to Healthy Paws with the documentation including diagnosis and Xrays and lab tests. The Vet's office submitted the visit notes and details. Healthy Paws covered 90% of all expenses minus standard office visit and deductible, according to the plan outline, and we had a reimbursement check mailed to us within 5 days of submitting the claim. Then, we received a follow-up letter from Healthy Paws making an inquiry regarding our dog's recovery. There were no surprises. We are very grateful to Healthy Paws for honoring the commitment and for the speedy reimbursement. We made an excellent choice of insurance providers. We wish for our pet's... Read More

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nich

4/25/2023
They did exactly what they're supposed to do--back us up on emergency situations. Insurance is sort of pre-paying for things & a backstop for catastrophic situations. Healthy Paws made an awful situation a little easier. Will be working with them for all our pets & glad we chose them many years ago as well.

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Ashley T

4/23/2023
I’ve had Healthy Paws for about 3 years and cannot recommend them enough! They have been SO EASY to work with. Submitting claims is very quick and as easy as submitting a pic on the app. It takes less than a minute. I’ve always had an email reply within just a few hours updating me on the claim status, and have had zero problems getting reimbursed. They are very clear about what is and isn’t covered, and the customer service is excellent. I had to take my 3 year old dog to the emergency vet last week and Healthy Paws even reached out checking to make sure he’s feeling better!

mkollarus

4/10/2023
Healthypaws is the best pet insurance! There is no comparison. All the other insurances pay for wellness visit/vaccinations and very little or nothing for medications and procedures for illness, disease and injury. Basically your premium payments are paying for wellness visits/ vaccines. What coverage do you get in return? Nothing! Healthypaws pays for 80% of any illness, disease or injury procedure and medications cost!!! And there is no yearly cap on how much they will pay! My dog needed very extensive surgery and hospitalization. Healthypaws reimbursed me within days of recieving the claim! They even contacted me to see how my dog was doing! Great customer service!!! I tell... Read More

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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