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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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Syreece M

11/25/2019
Our dog needed extensive surgery to correct his painful dislocated knees and torn ligaments. The raw cost was very high but Healthy Paws covered 80% and made it possible.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Syreece - We are sorry to hear about your pup's recent major leg surgery. We hope his recovery is going smoothly. Thank you for the kind words regarding our comprehensive coverage. Please give your pup a big hug from us!
T
Tiffany P

11/25/2019
Healthy Paws Pet Insurance has been a true blessing !! Putting in a claim is easy as can be. They are super fast to review it and get a check out right away.. They are professional, kind and truly care about your pet !! This is the only Pet Insurance Co. I trust. To anyone out there interested in Pet Insurance, this is the company to go with !! I promise you will not be disappointed !! Thank you so much Healthy Paws !! We love you !!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tiffany - Thank you so much for all the kind words regarding our super easy claims and reimbursement process. We take great pride in making the claims process so easy and straightforward so that our pet parents can focus on what really matters, taking care of their pets! Please give your furry friend another hug from us!
agehrke

11/25/2019
Quick payments and friendly staff. What they cover is clear and I feel they provide good value.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
agehrke - Thank you for the kind words and for taking the time to write your review. Please give your furry friend a big hug from us!
niduna

11/25/2019
Our french bulldog Gus needed emergency spine surgery due to a ruptured disk. Healthy paws worked with our neurologist and hospital to get the payment straight to them so we didn't have to pay funds upfront. It was such a stressful time for us and Healthy Paws made it so much easier and helped keep our focus with Gus instead of the financial paperwork. Healthy Paws also checked in with us on how Gus was doing and these little things are why we will never change our insurance!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
niduna- We are so sorry to hear about your Frenchie's recent emergency back surgery. Hopefully, Gus is feeling much better now. 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 to protect our furry friends. Please give Gus a big hug from us!
Holly F

11/25/2019
The best pet insurance ever. So helpful and they even sent me an email to check on my dog after her surgery. I would highly recommend Healthy Paws. Having this insurance has saved both of my dogs lives.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Holley - Thank you for the kind words. We are so happy that we have been able to cover and protect both of your sweet pups. Please give both of them a big hug from us!
T
Tara-Mae R

11/24/2019
I got insurance for my pup as soon as she was old enough. I had never gotten pet insurance before but thought it wise with a new puppy in the house! Boy was I glad! And I'm EXTRA glad it was Healthy Paws. They have a great app that I can use where ever I am so that I can get my claims in quickly and not have to worry about them. The turn around time is great for reimbursement and customer service has always been great the very few times I've reached out. Lola is now 4 years old and we've been through a LOT. I'm grateful for the caring people at Healthy Paws who even checked in on her when she had TPLO. Not your average pet insurance, I'm certain of it! Reasonable monthly rates that are... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tara-Mae - Thank you so much for taking the time to write your review and for all the kind words regarding our friendly and helpful customer service team. We love hearing from our loyal and longtime pet parents! We are so glad that you have been so happy with our super-simple claims process and convenient mobile app. We strive on having the best customer service in the industry as well as making the whole pet insurance process as easy as possible so our pet parents can devote their time to taking care of their sick or injured pet. Thank you again and please give your sweet girl a big hug from us!
M
Marco F

11/21/2019
Healthy Paws is truly the best pet insurance out there. Their coverage is very comprehensive and I have never had any problems submitting any claims. No questions asked the reimbursement is usually deposited in my account within a few days. I strongly recommend healthy paws to anyone who is looking to get pet insurance.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Marco - Thank you so much for all the kind words regarding our comprehensive coverage and easy claims process. We are so happy that you have been so pleased with every aspect of your Healthy Paws experience. Please give your furbaby a big hug from us!
violetfoo

11/21/2019
Excellent customer service with timely responses. Claims are processed within a 2 week time frame. I have been very satisfied with them.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
violetfoo - Thank you 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 furbabies and we thank you for that! Please give your furbaby a big hug from us.
M
Monica F

11/21/2019
Healthy Paws reimbursed us for our dog’s surgery in less than two weeks, their stated turnaround time. Their web interface is very easy to use - I uploaded three files within one minute. After a few email updates, and a follow up to see how my dog was doing, I received my check in the mail - no hassle.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Monica - Thank you for the kind words regarding our quick and easy claims process. We take pride in making the claims and reimbursement process as simple and easy as possible fo all of our pet parents. Please give your pup a big hug from us!
M
Monica A

11/20/2019
I am so thankful that I have my dogs insured through Healthy Paws Pet Insurance! Customizing your monthly payment and deductible is very simple. They make filing claims easy and painless, and they process the claims super quickly! After meeting your deductible, your reimbursement is in your account within days and they send a detailed review of what services are being covered. One of my dogs recently had surgery and they made the whole process way less stressful because I knew they were going to help cover a large majority of the cost! I would highly recommend them to anyone who has a pet!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Monica - Thank you for taking the time to write your review and for all the kind words. We take great pride in having excellent customer service and a quick and easy claims process. We are so sorry to hear that your pup needed a major surgery recently and hope their recovery is going smoothly. Please give your sweet 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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