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Healthy Paws Pet Insurance Review

3,228 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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3228 Customer Comments & Reviews

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ljmb21

10/18/2019
Great company to work with, they seem to really care about our pets and always follow up to make sure my dog is ok if she has had a procedure. I also received a sympathy card from the company when I lost my previous pet.....you don't find many companies that care for their customers the way Healthy Paws does......I am extremely satisfied with their service!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
ljmb21 - Thank you for taking the time to write your review and for the kind words. It's people like you who are helping to raise awarness about the importance of having pet insurance. We are so glad that you have been so pleased with your Healthy Paws pet insurance policy. Please give your pup a big hug from us!
R
Richard O

10/18/2019
Our elderly lab mix recently had a mass discovered during her annual exam. Although the initial diagnosis was very grim, after further ultrasound and splenectomy, the mass was determined to be benign and she is doing well. She has also had two ACL repairs within the past few years. All has been covered by Healthy Paws, we're very glad we've chosen to have pet insurance, and chose Healthy Paws. Especially after losing two previous dogs to cancer. Claims submittal is easy and online, and processing is usually very quick and efficient. I wish our healthcare system worked this well!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Richard - Thank you for the kind words regarding Healthy Paw's easy claims process. We take great pride in making this process as quick and easy as possible for our pet parents. We are sorry to hear that your pup recently had a large growth removed but are so relieved to hear that it was benign. Please give your pup a big hug from us!
D
Devon W

10/18/2019
Most amazing and wonderful pet insurance out there. We have had Healthy Paws since our little guy Fisher was a baby and unfortunately he is a pup that suffers from allergies. They helped us with all the allergy testing to help our pup get some relief. The best part is the check in emails they send to see how your baby is doing. Made me feel so thankful.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Devon - We are sorry to hear that Fisher has been dealing with some ongoing allergy issues, but we are so happy that Healthy Paws has been able to help with the testing and medications. Thank you for the kind words and please give Fisher another big hug from us!
K
Kate

10/18/2019
I cannot begin to properly describe what Healthy Paws has meant for us. Not only have we saved upwards of $12,000 in the past 5 years, we have piece of mind knowing that our beloved pets are covered in emergencies, we don't have to choose life or death. When one of our dogs was diagnosed with cancer and ultimately passed after 10 months, we were given condolences and personal notes. I cannot thank them enough for their care and concern.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kate - We are so sorry to hear about your dog's passing. Losing a pet is never easy but we are happy to hear that our condolences have helped easy some of the pain. Please give all of your pets a big hug from us!
Kathryn L

10/16/2019
I could not disagree more. I've been with healthy paws a little over two years, and my rates have gone up twice. I have not so much as made one claim on my two pets that are on my policy. In other words, I've been paying them quite a bit of money every month, upwards of $80, and they have not covered a single thing. Now, they are raising the rates on all California residents because of the wildfires. What does that have to do with anything? This does not seem like an ethical move! I am looking to leave this company as soon as I can find better coverage for my pets, which will not be too difficult to find. Do not go with this company, you will throw money at them, with little to nothing... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kathryn - We truly understand that no one likes any form of premium increase. We also know you haven't had to file many claims and we hope you don't have to - that means your pet is happy and healthy. Our management team works hard to keep our premiums as low as possible while still providing comprehensive coverage. New technology, advancements in veterinary treatments, and overall claim costs are taken into consideration when assessing our rates. In no way are premium increases in California related to the devastating fires people are having to deal with. Your monthly premium has gone up because the increase in claim payments has been faster than the premium increases in your state. As a result, we need to increase the premium level for all pets in your state so you and your pet can have continued access to the best veterinary care. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of veterinary care. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website.
E
Eileen U

10/16/2019
Healthy Paws is so easy to use, and they responded very quickly after I submitted my claim, even though I expected a delay. They provided a detailed explanation of how my claim was processed, and even sent an email after processing my claim to check in on my dog. I wish all insurance companies operated like Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Eileen - Thank you for the kind words regarding our quick and easy claims process. We take great pride in making this process as simple as possible for all of our pet parents. Please give your dog a big hug from us!
A
Annette S

10/15/2019
My American Bulldog has had more than her fair share of health issues, from joint issues to heart troubles to allergies. Once, she reacted to a medication and needed to spend a few days at a pet hospital, which resulted in a several-thousand-dollar bill. Luckily, she's insured through Healthy Paws. There is no way we would have been able to take care of all of her health needs for these past 7 years without it. Submitting invoices is easy, and we've never had any hassles with them not covering stuff. They've truly been a godsend and I cannot recommend them highly enough.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Annette - We are so glad that we have been able to help you and your pup over the past 7 years. Thank you for being such a loyal customer! Hopefully, Healthy Paws can continue to cover your sweet Bulldog for many years to come. Thank you for the kind words regarding our easy claims process and for the recommendations. Please give your pup another hug from us!
Jackie W

10/15/2019
Four years ago, we decided that we wanted to add a fur baby to our family. His name is Seamus. Being first time pet owners, we knew the first and most important thing was to get good pet insurance. Having done some research, we found Healthy Paws. They offer broad coverage and a reasonable monthly fee that we can afford. Just recently Seamus cracked two of his teeth chewing on a bully bone and had to have them removed! An unexpected cost like that can be stressful. It was comforting to know that Healthy Paws was there to cover 90% of the cost. We highly recommended Healthy Paws to pet owners. Submitting a claim is so easy and they are quick to reimburse us. We can't thank Healthy... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jackie - We are sorry to hear about your pup recently fractured a tooth and required a major dental extraction surgery. Having pets ourselves we know how stressful it can be to have a sick or injured pet. Thank you for the kind words regarding our quick and easy claims and reimbursement process. Please give Seamus a big hug from us!
A
Ann H

10/15/2019
This is, hands down, the best decision I have ever made. After nursing a chronically sick dog for three years and having no insurance, we researched health insurance for our next pet. And it has been SO worth it. Our dog, Cuper, has a chronic auto immune disease that required thousands of dollars in tests to diagnose and now costs hundreds a month to treat. He is happy and healthy and feels awesome now and it's 100% because of Healthy Paws. We would never be able to afford this level of care without the insurance. Did our rates gradually go up? Yes, but not to an outrageous level. I still feel that our rates are a bargain compared to the stress of paying for a sick animal. We have... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Ann - Thank you so much for all the kind words. We are so sorry to hear about Cupers autoimmune illness. Hopefully, with the proper medications and treatment he can continue to live a long and happy life. Please give your furbabies a big hug from us!
J
Jennifer M

10/14/2019
I have tried a few different insurance companies for my dog and this is absolutely the best. And now that my dog is older and requires more medication and treatments, I know I can get what he needs thanks to Healthy Paws, Without it I don't know what I would have done.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jennifer - We are so happy that you are able to give your pup the best care possible when those unexpected illnesses or injuries occur. Thank you for the kind words and please give your sweet boy 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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