Many or all of the companies featured compensate us. Compensation and research may determine where and how companies appear. Learn more
  1. Home
  2. Pet Insurance
  3. Healthy Paws Review

Healthy Paws Pet Insurance Review

3,229 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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.
 
VIEW RATES

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

Our Comments Policy  |  How to Write an Effective Comment

Leave a comment for Healthy Paws Pet Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

3229 Customer Comments & Reviews

Loading Reviews ...
S
Scott L

10/28/2019
I have been paying into this plan for a year and a half. I’m so glad I made the decision to buy this insurance! Recently my dog suffered multiple herniated discs and lost his ability to walk. Surgery was one of two options with the latter being euthanasia. Thanks to this insurance paying 90% ish (exam fees were excluded) of the total cost I didn’t even have to consider euthanasia. The dog is on the mend and within 5 days the reimbursement was in my account.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Scott - We are so sorry to hear about your pup's major back issues. Hopefully, your dog is recovering well after such a major surgery. 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 and we thank you for that! Please give your pup a big hug from us.
Drew H

10/28/2019
Healthy Paws and the claim process is very easy. You can link your bank account to your account which helps speed up the reimbursement process. After having to submit a number of claims on my dog Roxy, I'm thankful we have Healthy Paws insurance. We'd be over $2000 of expenses and for most items, we get the 90% rate reimbursement. Keep up the good work Healthy Paws!!! Thanks-Drew

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Drew - Thank you for the kind words regarding our super easy claims process and convenient direct deposit feature. Please give Roxy a big hug from us!
C
Colleen M

10/28/2019
Our 4 month old golden doodle broke her leg a few weeks ago. We had to make visits to the ER vet, our vet plus have surgery. Healthypaws processed and paid all charges (excluding office visit charge) within 10 days if not sooner. Two weeks after surgery I also received a personal email asking how Maddie was healing after surgery. I have been so impressed, would recommend them highly.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Colleen - We are sorry to hear about your sweet pup's major leg injury. Having an injured pet can be very stressful and scary but we are so happy to hear that she is feeling better and recovering at home with her family. Thank you so much for the kind words and high praise. Please give your little doodle another big hug from us!
mikeshirkhan

10/25/2019
Great service. Outstanding customers service. The company you can count on...I am glad i picked the right insurance company for my Dog. My Dog had a major surgery and they were with us all the way to the end. Thank you Michael

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
mikeshirkhan - Thank you for the kind words regarding our outstanding customer service. Although we are sorry to hear that your dog needed major surgery, we are so happy to hear that having Healthy Paws pet insurance was a major relief during such a stressful time. Please give your pup a big hug from us!
beckiennen

10/25/2019
I have had Healthy Paws insurance for my dog for 2 years. 1 year ago she started limping occasionally, which progressively worsened to the point that she was walking on 3 legs after exercise. Our vet and a specialist diagnosed her with a torn ligament and surgery was recommended. The surgery was covered fully by HealthyPaws and I was refunded within 1 week of submitting the claim. Thank you!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
beckiennen - Thank you for the kind words and for taking the time to write your review. We are sorry to hear that your pup needed major knee surgery. Hopefully, her recovery is going smoothly. Thank you for being a part of the Healthy Paws family and please give your sweet girl a big hug from us!
maryaliceclay

10/23/2019
I can not say enough about the benefit of having Healthy Paws Insurance! Our lab Bailey was diagnosed with immune-mediated hemolytic anemia in 2016 and we have been on a roller coaster ride since then. She has had blood transfusions and IVIG treatments. She is doing well now with the help of lots of meds, good veterinaries and Healthy Paws Insurance. The expenses were a lot but with the insurance it is possible for us to keep her with us. She is feeling good and looking GREAT! I would recommend every pet owner to get Healthy Paws Insurance!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
maryalicelay - Thank you for the kind words and for taking the time to write your review. We are so happy to hear that your pup Bailey is doing so well with her anemia issues. Having pet insurance allows us to focus on our pets when they are sick or injured instead of worrying about the cost. Please give Bailey another big hug from us!
ggerrish25

10/23/2019
Amazing company and excellent customer service with no hassle at all on coverage. My dog had to have emergency surgery for bladder stones and Healthy Paws was there for us every step of the way. They even emailed to check on my dog following his surgery which, to me, earns a 5-star review all on its own. Thank you HP for caring about and loving my dog as much as we do.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
ggerrish25 - We are so sorry to hear that your pup recently needed emergency bladder surgery. Poor thing. Thank you very much for the kind words regarding your customer service experience, we take great pride in providing our pet parents with excellent customer service because like you said we do care about and love all of the Healthy Paws pets. Please give your dog a big hug from us!
cougar.kruger

10/23/2019
Thanks to some incredible vets and Healthy Paws, we defeated our golden retriever's urinary issues. There were no case studies to guide treatment of this severe infection which involved a vulvaplasty, bladder surgery, and extensive catheter-based infusions and hospitalization. Only with this level of support could we have seen the return of our cherished family member. Her personality has even returned to its former happy self. Yay!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
cougar.kruger - We are so sorry to hear about your pup's major urinary issues and hospitalization. Having a sick or injured pet can be very scary and stressful. We hope she is feeling better after that scary ordeal. Thank you for the kind words and for taking the time to write your review. Please give your sweet girl a big hug from us!
L
LiLi

10/22/2019
My now 12.5 year old yorkie has been with Healthy Paws since he was 6. After many horrendous experiences with other companies, I cannot recommend Healthy Paws enough. Their coverage is clear and concise, and I absolutely love their online app that allows me to take a photo of his invoices to be submitted right away. The direct deposit option is also not only extremely convenient, but allows us to be environmentally friendly by saving trees. I work a lot in Canada, and they have been amazing in covering my pup's veterinary bills without any issues. I love them, and have sent many, many of my fellow pawrents there. Thank you Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lili - Thank you so much for being such a loyal Healthy Paws customer and for taking the time to write your review. We are so happy to hear that you have been so pleased with your policy over the years. Our free mobile app allows pet parents to submit their claims quickly and easily wherever they are. Please give your little Yorkie a big hug from us!
guleria.pankaj

10/21/2019
Healthy paws has been one of the best decisions that we have made for our dog. Even though the premiums are a bit on the higher end, it has always been super easy to submit claims. The EOB after the claim has been processed, clearly calls out the breakdown and I have never had to go back to customer support on this. We recently got a major surgery (ACL) done for our dog and I submitted the invoice a couple of days after. This was a huge bill and I was nervous on how much I would be getting back (based on the breakdown of the invoice). Surprisingly the majority of the bill was covered by the insurance and money deposited into my account in a few days, there was not even a single follow up... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
guleria.pankaj - We are sorry to hear that your sweet dog recently needed major knee surgery. Hopefully, rehabilitation is going smoothly. Thank you so much for all the kind words regarding our simple and easy claims process. We are so happy that you have been so pleased with your coverage and handling of your claims. Please give your furbaby 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

 

READ FULL REVIEW >
VIEW RATES

Related to Pet Insurance

Top Articles
Suggested Comparisons