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Healthy Paws Pet Insurance Review

3,357 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 Do We Rate Healthy Paws?

Breakdown

4.5/5
Coverage
5.0/5
Cost
5.0/5
Extras

Our Overall Rating: 4.8 / 5 (Excellent)

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 - 4.5 / 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 / 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 - 5 / 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 - 5 / 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 - 5 / 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 - 5 / 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 - 5 / 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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3357 Customer Comments & Reviews

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Carolynne W

7/17/2019
We have a four-year-old Havanese dog, Achoo, that just finished his second surgery this year. He tore is CCL on his left knee in March and then in June tore his right CCL. Both times we went to the same veterinarian surgeon who recommended surgery to stabilize his knees. The surgeon also suggested that Achoo do water therapy and rehab which we took his advice and thought it was well worth it. Having the security in knowing that his medical expenses would be covered was a great relief and that we did not have to give a second thought about what the expenses would be. As soon as we submitted our bills we got an email assuring that they were being processed and soon after the check would... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Carolynne - We are so sorry to hear that your sweet pup, Achoo has needed two major knee surgeries. Poor guy. We know how scary and stressful it can be one one of our furbabies is sick or injured. Hopefully, Achoo is feeling much better after this second surgery and rehab his going well. Thank you so much for the kind words and please give Achoo a big hug from us!
Vikki C

7/16/2019
I have had Healthy Paws Insurance for 4 yrs. an they have been incredible up until this month. The wait on the phone has exceeded 30 mins. an when I ask about my dogs claim they keep telling me “Technical Issues”, seriously 😒. It has now been over 10 business days since I filed the claim an the customer rep. acted like they could care less, just wanted me off the phone. This is not the company I remember, I hope they get their Technical Issues cleared up.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Vikki - Thank you for being a longtime Healthy Paws policyholder and for the kind words. We would like to apologize for the longer than usual hold times recently and appreciate all of your patience. It appears that all of your open claims have been processed and your explanation of benefits have been emailed to you. We apologize for any inconvenience the delay may have caused. Please give your sweet pups a big hug from us.
Bill B

7/16/2019
They were very clear with regard to the required medical records necessary to complete the claims, and explained what would and would not be covered. I submitted 4 different claims for three separate hospitalizations. Once they received the necessary records they were very prompt in notifying me of what was covered and what they would be paying for in each claim. The checks arrived two days later. I have 3 cats, which I have covered with HealthyPaws insurance since I adopted them as kittens 2 years ago and am glad that I purchased their coverage and very satisfied with their claim process.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Bill - We are so sorry to hear about your kitties recent hospitalization. Hopefully, they are feeling much better now. Thank you for taking the time to write your review. We are so happy that you have been so pleased with your Healthy Paws policy. Please give all of your sweet kitties a big hug from us!
S
Sam R

7/15/2019
My experience with Health Paws Pet Insurance has been excellent. My dog has had a serious Urinary Tract issue which required extensive testing and eventual surgery. Filing claims could not have been easier, and they respond quickly, keeping you informed as to where they are in processing your claim. They pay quickly. I highly recommend them.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sam - We are so sorry to hear about your pups major urinary tract infection and eventual surgery. Having a sick pup is never easy but having pet insurance can make the whole experience so much less stressful. Thank you for the kind words regarding our easy claims process and prompt communication. Please give your pup another hg from us.
rosemarydanny2

7/15/2019
Healthy Paws is the absolute best. I have had many of my dogs insured with them and Healthy Paws has never let us down. They pay claims within days of them being submitted and if I ever have a problem or question they are easy to reach and highly motivated to solve the issue. My greyhound, an ex-racer from Ireland, broke his leg and along with that developed hyperfibrinolysis, which is a life-threatening situation. Veterinary Specialty Hospital in conjunction with the help from Healthy Paws insurance, saved his life and continues to support anything he might need. He is thriving and I thank Veterinary Specialty and Healthy Paws for that!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
rosemarydanny2 - We are so sorry to hear about your pups major leg injury and hyperfibrinolysis issues. As pet parents ourselves we know how scary and stressful having a sick or injured pet can be. It sounds like your greyhound is doing much better now which is excellent news! Thank you for all the kind words and please give all of your furbabies one more big squeeze from us!
J
Julie G

7/15/2019
We are forever grateful that we have Healthy Paws for our dog. We would do whatever it takes for our sweet boy to be healthy. Healthy Paws gives us a peace of mind that we will be able to afford to do that. Healthy Paws allows you to customize your plan based on how much you want covered and refunded versus how much you want to pay a month. The process to submit a claim is so easy - my vets office was even impressed. A few clicks on the app and you are done! They communicate effectively where they are in the process. Granted, we are all looking at the pet insurance for monetary reasons but Healthy Paws goes a step further and they have called and e-mailed to check on our dog and... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Julie - Thank you so much for all of the kind words. We are so happy that having your sweet boy insured brings you such comfort and peace of mind. As pet parents ourselves we feel the same way! Being able to provide our furry friends with the best available medical care without having to worry about the cost is what having pet insurance is all about. Please give your sweet boy another hug from us!
Karen G

7/15/2019
I bought a Healthy Paws plan when we adopted our pug from the shelter 3 years ago. What a blessing! He's had some eye problems develop and we were able to see a specialist and get him surgery to try to restore some sight. They have covered 90% of his bills - better than my human insurance! The app is great for submitting claims and super easy to navigate. They are very prompt with reimbursements as well. Would highly recommend them to any pet parents. We also purchased a policy for our younger pet too, but he's been very healthy so far.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Karen - We are so happy that you were able to provide your sweet boy with the best medical care possible to treat your pups eye condition. Thank you for taking the time to write such a wonderful review. We pride ourselves on having an easy and straightforward claims process and speedy reimbursement. Please give both of your furbabies another big hug from us!
adi.benyosef

7/15/2019
Great great service, affordable price. I recommend ensuring your beloved pet here.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
adi.benyosef - Thank you for the kind words. Please give your furbaby a big hug from us!
R
Rikki G

7/14/2019
I rarely write reviews but Healthy Paws has exceeded my expectations in all regards. It is the the most amazing pet insurance, for that matter, any insurance that I have ever encountered. They are incredibly efficient, responsive, and caring. When was the last time your insurance company emailed to find out how you are feeling? Healthy Paws has reached out to me numerous times to find out how my dog is feeling. Their website is intuitive and easy to use. They follow up on claims very quickly, are very clear as to what they approve, and pay in a very timely manner. While my dog has had her share of medical issues they have not raised my premiums other than minimal increases. I really... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Rikki - Thank you so much for all the kind words about Healthy Paws. We are so happy that all of your experiences with our customer service team and with submitting and being reimbursed for your claims have been so positive. Please give your sweet pup one more big hug from us!
S
Sue F

7/14/2019
I am 77 years old and have had animals forever and have used several different animal health insurance companies over the years. Healthy Paws is by far the best and the most simple to use. If your pet is sick or injured, he is covered. The claim form is easy. It can be emailed to the company. They email that they have received the claim and that it is being processed. They email me when it is complete. I generally have a check within 10 days before my credit card bill is due. I love this company. They are sweet on the telephone, and their emails are also kind.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sue - We are so happy that you have been so pleased with your Healthy Paws pet insurance policy and thank you for all the kind words. We pride ourselves on having an easy to follow policy with limited exclusions, a simple claims process, and friendly and caring customer service. Please give your furry friend another hug from us!
Top Rated
Our Partner

✅ Trusted by More than 620,000 Pet Parents

  • Reimburses Up to 90% of Covered Claims
  • No Max Annual or Lifetime Payouts
  • Backed by Chubb - a Trusted Name in Insurance
  • Covers Accidents, Illness, Hereditary Conditions & More
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