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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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S
S W

10/14/2019
Healthy Paws was quick to respond, and come through with resolving my claim. I loved that they continually checked in on my pet's well-being throughout the process and his recovery.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
S Walton - We are so happy to hear that your claim was resolved so quickly. We strive to make the whole claims process simple and easy so our pet parents can save time and focus their attention on their furry friends well being. Please give your pet another hug from us!
Karen P

10/13/2019
My dog has had several health issues and the response of Healthy Paws could not have been better. Claims are very easy to file and the response time has been unequaled. I may be paying a little more for pet insurance but I have gotten more than my money’s worth. I have recommended this company to several people as well as the veterinarians my dog sees.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Karen - We are sorry to hear your pup has had some health issues but we are so glad that we are able to help. Thank you for the recommendations and kind words. Please give your pup another hug from us.
Krista B

10/13/2019
I purchased pet insurance within a week or so of adopting our husky. After 11 years with a German Shepherd with megaesophagus, I couldn't take any chances. After a year with no issues, our husky managed to injure his spine while out on a walk and lost rear mobility. He was rushed to the vet and kept overnight on IV medication. He improved enough to be sent home with a full body harness and lots of meds. The bill was much higher than expected due to it being a very well equipped facility. Healthy Paws processed my claim in only a few days with no difficulty. I am happy to pay for it, and I'll never have another dog without it being covered by Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Krista - We are sorry to hear that your sweet husky recently injured his spine. We will be sending positive thoughts that his recovery process goes smoothly. Thank you for the kind words regarding our quick claims process. Please give your boy a big hug from us!
Mari G

10/13/2019
We've had Healthy PAWS for just two years now. Our youngest pup Bubba fell into some hard times about 6 months ago. He blew out his knee and most recently developed a tumor on his toe. Its been a rough go at it for him. HealthyPaws has been a God send. I have to tell you and it's not over. He was getting better and then stepped in a hole and completely disabled him. HealthyPaws has paid for everything. They have been amazing. The claims are easy to submit and pay quickly, they deposit our reimbursement right into our checking account. We don't know what we would do without them. THANK YOU HEALTHY PAWS

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Mari - Thank you for all the kind words regarding our quick and easy claims and reimbursement process. We take great pride in making this process as easy as possible for all of our pet parents. We hope that your sweet boy Bubba is doing much better now after his recent growth removal surgery and accident. Poor guy. Please give your boy Bubba another big hug from us!
K
Karen

10/13/2019
This is the best Pet insurance company. They were there when we needed them. They did exactly what they said they would do if our pet was sick or injured when we signed up. They were fast and kind and caring and they followed up to ensure our dog was better. I wish I had insurance this wonderful for myself. Best experience ever.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Karen - Thank you for the kind words and for taking the time to write your review. We are so happy that you have been so pleased with your Healthy Paws pet insurance policy and the peace of mind that it brings. Being pet parents ourselves we understand how stressful it can be when one of our furry friends is sick or injured. Please give your pet a big hug from us!
slickrick858

10/11/2019
Healthy Paws has been amazing. My dog needed to have 2 ACL surgeries and they were there every step of the way and the reimbursement checks came in extremely quick. I highly recommend them.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
slickrick858 - We are so sorry to hear that your dog has required 2 major leg surgeries. Poor thing! Thank you for the high recommendations and for the kind words. Please give your pup a big hug from us!
C
Carlo S

10/11/2019
Healthy Paws has been one of the best decisions my wife and I have made. We were originally reluctant in getting insurance for our 2 dogs (English Bulldog and Great Dane/English Mastiff mix). Unfortunately we had to do surgery on both dogs and Healthy Paws was great at reviewing the claim and getting the reimbursement direct deposited into our account. Filing a claim was as easy as using the App, taking a picture of the receipt, and hitting submit. If you are thinking about getting insurance for tour pet I would highly recommend Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Carlo - Thank you for all the kind words regarding our simple and easy claims and reimbursement process. Although we are sorry to hear that both of your pups have needed major surgeries, however, we are so glad that you were able to provide them both with the best medical care possible. Please give both of your furbabies a big hug from us!
Jennifer M

10/11/2019
My family and pup, Jax are so fortunate to have Healthy Paws in our lives. My 4 year old, Lab, Jax had recent ACL surgery which would’ve cost us $4700 without insurance. Instead, they covered 80% of the surgery, all his meds which he continues to take and rehabilitation which he will be starting soon! Thank you from the bottom of my heart, Healthy Paws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jennifer - We are so sorry to hear that your pup Jax recently needed major knee surgery. We hope his rehabilitation is going well. Thank you for the kind words and for taking the time to write your review. Please give Jax another hug from us!
J
Jo b

10/10/2019
We researched for a long time before deciding to sign up with Healthy Paws and we couldn’t be happier. Our Bull Terrier needed surgery after swallowing a foreign object (sewing needles !!) and apart from prompt reimbursement they also sent an email checking on how he was doing. Reimbursement is speedy as well. Best decision!!! I highly recommend Healthy Paws

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jo - We are so sorry to hear about your pup's major sewing needle removal surgery. That sounds like a very scary ordeal indeed! We are so happy to hear he is doing much better post-operation. Thank you so much for the kind words regarding our speedy reimbursement process and for the recommendations. Please give your pup a big hug from us!
Kennedy M

10/10/2019
We have been with Healthy Paws for four years. In that time our dog has had two knee surgeries and Healthy Paws covered us and also checked in on how my dog was feeling/doing. Reimbursement is always prompt and the interface is extremely easy for filing claims. I recommend Healthy Paws 100%.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kennedy - Thank you for the high praise and for taking the time to write your review. We are sorry to hear that your sweet pup has required 2 major knee surgeries, but we are so glad you were able to give your pup the best medical care available without having to worry about the cost. Please give your dog one more 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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