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Healthy Paws Pet Insurance Review

3,226 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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3226 Customer Comments & Reviews

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Becky D

12/20/2019
We have an English Bulldog and have done a lot of research on health issues pertaining to them. I looked at different insurance companies and finally decided on Healthy Paws. It is very easy to submit a claim and within 48-72 hours you have a response regarding your claim. We can't thank Healthy Paws enough for their prompt response and outstanding customer service. We are very thankful that we choose Healthy Paws for our insurance company!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Becky - Thank you for the kind words regarding our outstanding customer service and prompt claims turn around times. We are so happy to hear that you have been so pleased with your Healthy Paws coverage. Please give your Bulldog a big hug from us!
rwa.james

12/19/2019
My 3 yr old King Shepherd had a horrible case of hemorrhagic gastroenteritis and needed a late night visit to the local emergency vet clinic (Winchester, VA, totally awesome folks). Needless to say, the visit was not cheap and I ended up with a bill for close to $1,200. I have had HealthyPaws insurance since he was a wee pup and have never had cause to use it until the other night. I am sooo thankful that I kept the coverage! HP have already reimbursed me (minus my deductible) for the promised 90% of the bill, apart from the actual office visit charge which I knew was not covered anyway. These guys rock!!! If anyone is on the fence about signing up I'd highly recommend it. Having never... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
James - We are so sorry to hear about your pup's recent hospitalization and hope he is feeling much better now. Thank you so much for all the kind words and for taking the time to share your story. Gastroenteritis is very common, especially in young pets, and the treatments and hospitalizations can get very expensive. Healthy Paws is so glad we were able to help you and your pup when you needed it the most. Please give your sweet boy a big hug from us!
sealsamy1

12/19/2019
Healthy Paws has been simply wonderful! My cat had to have quite a few tests and ended up at the ER/vet hospital the evening before Thanksgiving (and spent the night). Healthy Paws was incredibly prompt with their processing and reimbursement. They provided the exact coverage outlined, and I was thrilled. It took a lot of stress away from a very stressful situation. I appreciated everything they did!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
sealsamy1 - Thank you for taking the time out of your day to write this wonderful review. We are so happy to hear that you have been so happy with your pets' Healthy Paws coverage. We hope your kitty is feeling much better after the recent emergency room visit. Having a sick pet is always very stressful but having pet insurance those stressful situations a whole lot more manageable. Please give your kitty a big hug from us!
Becky S

12/18/2019
They have been wonderful. They even emailed to see how my dog was doing. Great company.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
We are so happy that you have been so pleased with your Healthy Paws coverage and thank you so much for the kind words.
jamie.m.roberts

12/18/2019
healthypaws has been nothing short of wonderful for us and our pet. The coverage is clear and not confusing, so we are able to safely estimate how much we'll get reimbursed for. The reimbursement itself is very quick and easy as a customer. The monthly charges do go up on an annual basis, but not in a way that seems out of line with the extra risk they take on with an aging pet. We'll be sure to use healthypaws in the future and for our next pet.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jaime- Thank you so much for the kind words regarding our straight forward coverage as well as our quick and easy claims process. It's people like you who are helping to raise awareness about the importance of having pet insurance for our furry friends. Please give your furbaby another hug from us!
amsfloyd

12/18/2019
I took out pet insurance on a whim, never thinking or hoping I would actually need it. I have never had pet insurance, but from past experience I know how emergency services can add up, so after much research, I chose Healthy Paws. Unfortunately my sweet Baxter developed some problems and I cannot express how great it’s been to have Healthy Paws. The decisions I’ve had to make were easy because I knew I could actually afford to give him the best health care for a longer life and Healthy Paws has made that possible.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
amsfloyd - We are sorry to hear that Baxter has been dealing with some health issues but we are so happy Healthy Paws has been by your side the whole way. Having a sick pet can be very scary and no pet parent should have to go through that alone Thank you very much for the kind words and for taking the time to write your review. Please give Baxter another big hug from us!
Kelly A

12/16/2019
I was hesitant to purchase pet insurance - it seemed expensive and unnecessary. Then my dog had an emergency vet visit and I quickly realized the value! I researched and compared brands and finally decided on Healthy Paws because it seemed like the best fit for what I was looking for. We have had this insurance for over 3 years and our 4 year old Golden Retriever has already used it several times. They cover 80% of our costs outside of standard well visits, etc. We had a very expensive surgery to remove a possible cyst and it was totally covered. Aside from the good coverage, I also LOVE how easy it is to submit claims. I usually scan my receipts and records while standing in the... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kelly - Thank you for the kind words regarding our simple and easy claims process, great customer service and quick reimbursements. We are sorry to hear about your pup's major cyst removal surgery and hope your Golden is doing much better now. Please give your furbaby big hugs from us!
Chris M

12/16/2019
I am not normally a review person…but sometimes a company goes above and beyond even my expectations and I feel they need to be recognized as such. My last dog had a lot of health issues and 13 years ago dog insurance was not talked about much. This past year I got a new puppy and decided from the get go to get insurance on her. I did my research and Healthy Paws came out on top across the board so I signed her up. It was the BEST decision I have ever made. No one can foresee the future, but it turned out during the first year of my new puppy’s life I would need that insurance time after time. From possible obstructions that resulted in exploratory surgery to gastrointestinal issues that... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Chris - We couldn't agree more about the importance of having pet insurance, especially during those crazy puppy years because you just never know what those little stinkers are going to get into. Having Healthy Paws pet insurance allows pet parents to give their pets the best medical care possible without having to worry so much about the costs. Thank you for all the kind words and for taking the time out of your day to write such a glowing and thorough review. Please give your sweet puppy a big hug from us!
laura.polden

12/16/2019
The hope of pet insurance is that you never have to use it. I have been a customer with Healthy Paws for two years before actually needing them! Unfortunately, life happens. Our cat ripped all ligaments in his knee and needed an immediate amputation. Pet care sometimes puts the owner in an impossible position. The expense toll it can take is incredible but having Healthy Paws backing me up made the choice easy. Once I submitted the paperwork via their easy to use app, it only took a week for the checks to arrive at my house. They covered 80% of the incredibly expensive surgery. Their customer service was knowledgeable and empathetic. The only downside is you have to pay upfront which can... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Laura.polden - We are sorry to hear about your cat's recent major leg surgery. Having an injured pet can be very scary and stressful which is why having pet insurance is so important. We actually do have the ability to pay your vet directly. Anyone can learn more by visiting the "Frequently Asked Questions" page of our website and look under the topic "Getting Reimbursed" for more information. Thank you for the kind words and for letting us know how your cat is doing after his major surgery. Please give your baby big hugs from us!
dillon.elena

12/16/2019
We've been very happy with Healthy Paws Pet Insurance. We're new to having pet insurance and were reluctant to purchase it, but with 3 dogs it seemed necessary. Healthy Paws is easy to work with, they do just what they say (!) and they are very prompt in paying claims. I especially appreciate how easy they make it to check everything online.....payments, progress of claims etc. I highly recommend Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Dillon.elena - We are happy to hear that your Healthy Paws experiences have been so positive. 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. Please give all of your dogs another 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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