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Healthy Paws Pet Insurance Review

3,231 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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3231 Customer Comments & Reviews

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William H

1/19/2020
My 5 star rating is NOT exaggerated by any means. Quick story, we always adopt rescues and our second developed cancer 6 months after we had adopted her. Treatment was well into the $3K range, which we paid, but it was so advanced and not caught in time that she passed from it. We were able to spend 9 precious months with our beloved Angel (actual name, she was a LARGE White wooly Siberian). We got pet insurance after that for our others just to be safe and thankfully we did. Our other rescue was diagnosed with cancer and a very expensive surgery to correct it ~$6k, luckily we had Healthypaws. Thanks to them we were able to spend more years with my pup Bexley. Their process for... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
William - Thank you so much for the 5-star review and for taking the time to share your story. Please accept our sincere condolences fo the loss of your precious pup. We are so happy to hear that because of Healthy Paws you have been able to provide your current dog with the very best life saving medical care and that Baxley is doing so much better now. We hope you and your pup get to spend many more years together. Please give Baxley another hug from us!
K
Kim C

1/19/2020
This isn’t my first review of Healthy Paws, but I just can’t say enough about the company. My 4 ½ year old Goldendoodle, Sailor, was recently hospitalized overnight for an intestinal problem, and we had to return to the ER Clinic the next night, and follow up with a visit to her regular veterinarian two days later. She had multiple x-rays, a catheter, sedation, and numerous medications, etc. and the total of all bills was approximately $ 3000. Healthy Paws processed my claims within 3 days and direct deposited my reimbursement immediately. They e-mailed me every step of the way, letting me know the progress of the claims, when they had completed processing the claims, and a final... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kim - Thank you so much for all the kind words and for continuing to write positive reviews about Healthy Paws. It's people like you who are helping to raise awareness about the importance of having pet insurance for our furry friends. Pets are expensive and sick or injured pets can be very very expensive and Healthy Paws believes that no pet parent should ever have to decide between giving their pets the best medical care possible or not. We are sorry to hear about Sailor's recent major tummy issues and hospitalization. Hopefully, she is back at home and feeling much better now. Please give Sailor another big hug from us!
M
Michael I

1/16/2020
Healthypaws has saved my dog and I! My dog, Haddie, has unfortunately developed severe skin allergies, thyroid issues, and potential kidney issues. Healthypaws was there to support me through multiple cycles of antibiotics, shots, blood tests, anti-fungal medications, food changes, etc. Healthypaws is truly top notch!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Michael - We are sorry to hear that Maddie has been suffering from severe allergies and a thyroid issue. Hopefully, with the proper treatment and medications, her doctors will be able to get those issues under control. Thank you for the kind words and please give sweet Haddie a big hug from us!
packtwin

1/16/2020
Healthy Paws has been nothing but the best for me and my dog, Emmett. I sing their praises whenever someone asks me about pet insurance. In December of 2019, Emmett had to get multiple MRIs and x-rays done and was diagnosed with multiple bulging discs causing nerve issues. Healthy Paws covered all the diagnostics and his new medications with no complications — and completed the claim before Christmas . Then a week later due to side effects of prednisone (body thinks it's starving) he ate a rope toy for the first time in his life (he's 8 years old.) Healthy Paws covered the ER visit with no hassle.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
packtwin - We are sorry to hear about Emmett's recent back and foreign object issues. Poor guy. As pet parents ourselves we understand just how stressful it is when one of our furbabies is not feeling well. Luckily having Healthy Paws pet insurance means you can always give your pet the very best medical care available when they need it most. Thank you for the kind words regarding your Healthy Paws experience. Please give Emmett more hugs from us!
Karen H

1/15/2020
This has been a life saver for both myself and my beautiful Donavan..Makes keeping him healthy very enjoyable. Xo

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Karen - Thank you for the kind words. We are so happy to hear that your sweet Donovan has Healthy Paws and that if an emergency ever arises you will be able to provide him with the very best medical care available without having to worry so much about the costs. Please give Donovan another hug from us!
R
Raymond J

1/15/2020
My partner and I are animal photographers and photograph countless dogs. After the death of our Beagle last year, I decided to insure our other three dogs so I would never again have to weigh the financial impact of an illness or injury. I talked to many pet owners and always heard excellent things about Healthy Paws. They focus on the expenses I felt were important - the unexpected. They don't cover preventative care, but as a pet owner, that's something you plan for anyway. Soon after insuring our pet family, our puppy Tilda broke her leg. The experience was very traumatic, but I felt comfort knowing we were insured and that I could focus on what was best for her, knowing the... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Raymond - Thank you so much for taking the time to share your story and for taking the time to write your review. It's people like you who are helping to raise awareness about the importance of having pet insurance for our furry loved ones. Please accept our sincere condolences regarding the passing of your beloved Beagle. We are sorry to hear about Tildas' recent major leg injury and hope that her recovery is going well. We feel so honored that you trust Healthy Paws to protect 3 dogs and that all of your Healthy Paws experiences have been so positive. Please give all of your pups more big hugs from us!
victorkfujikake

1/15/2020
Over the past six years with HealthyPaws, I have nothing but pleasant experiences. Easy access to the claim process page on its website, and timely completion reply and reimbursement. They cover my two labradors. The most recent claim made for my dog, who had her femur head & neck 0stectomy, was handled and reimbursement made promptly. Very impressive. But most impressed by the follow-up email from them concerning my dog's recovery and the fast recovery. Now, do I ever hear that from my health insurance company??? They care and show their concerns more so than insurance companies for us humans. I am quite satisfied with Healthy Paws. Victor F,

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
victorkfujikake - We are so sorry to hear that your sweet lab recently needed major hip surgery. Hopefully, her recovery from the surgery is going smoothly. Thank you so much for sharing your story and for being such a loyal and longtime Healthy Paws family member. We love hearing that our longtime Healthy Paws pet parents love their Healthy Paws coverage and will continue to cover their sweet furbabies with us. Please give those lovable labradors more hugs from us!
kerriewhly

1/14/2020
I started policies on our four rescued Galgos a year ago. I was starting to wonder if we really needed the coverage; my dogs were young. What were the chances of me making a claim that would cover the monthly premiums? Then my 5 year old, Paquita, started exhibiting symptoms which were of concern to my regular vet who referred us to a specialist. It was Thanksgiving. I was unable to get an appointment so I had her admitted as an emergency. I didn't stop to check my Healthy Paws policy/coverage. I simply wanted the best care available immediately. A month later, after the initial scare and a promising prognosis, the credit card bills were due. I logged into the app expecting a long,... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
kerriewhly - We are sorry to hear about your furbabies recent major health scare. Having a sick pet can be very stressful and expensive which is why having Healthy Paws pet insurance for our furry loved ones is so important. Thank you for all the kind words regarding Healthy Paw's amazing customer service and easy to follow claims process and for taking the time to share your story. Please give those sweet furbabies of yours another great big hug from us!
Karen B

1/14/2020
I can't say enough good things about Healthy Paws insurance. We insured our mini dachshund, Abby, who didn't have as much as a sniffle in 12 years, then, the issues started, and for 2 months we tried everything to save our girl, and spent a LOT of money. Healthy Paws came through for us, paid what they said they would, quickly and with no questions asked. Wonderful company to deal with.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Karen - We are so happy to hear that you were able to give Abby the very best medical care when she needed it the most. We know that losing a furbaby is never easy but we are happy to hear she was given lots of love and the best veterinary care available during her final months. Thank you so much for taking the time to share your story about Abby and for the kind words.
karenbzimmerman

1/14/2020
My daughter did extensive research before selecting Healthy Paws to insure her dog, so I simply followed her lead. I frequently tell her how glad I am that I did! My four-year-old dachshund recently required emergency back surgery, and Healthy Paws could not have been more responsive and helpful during this stressful time. As promised, my claim was processed quickly and fairly. I especially appreciated the mobile app, which was extremely easy to use.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
karenbzimmerma - We are so sorry to hear about your pup's major back surgery and hope it's recovery is going smoothly. Thank you for the kind words and for taking the time to write your review. Please give your little furball 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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