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Healthy Paws Pet Insurance Review

3,358 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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3358 Customer Comments & Reviews

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Audsey D

2/25/2019
I’m writing this review to recommend Healthy Paws Pet Insurance in the highest degree. I have insured two dogs with Healthy Paws, both of whom I was able to get the best possible medical care because of the assurance of having Healthy Paws Pet Insurance. Most recently, my dog Eva, a very healthy mix breed had two serious medical issues. This past May, she came down with acute pancreatitis out of the blue (I believe due to tainted treats from Blue Buffalo). She spent a week in emergency care at a veterinary specialist and Healthy Paws handled the claims for her care and follow-up quickly and without question. Based on the insurance plan I have her on, this meant that 90% of the... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Audsey - Thanks so much for all of your kind words. We're happy we could play a part in assuring Eva has access to the best available medical care. We appreciate all of the recommendations you have made on our behalf. Give Eva a big hug from us!
Brenda J

2/25/2019
I initially purchased pet insurance for my (then) young male cat since I was seeing and hearing about the costs to diagnose and treat urinary blockages. I spent 3 years paying the premiums but never had a dire emergency. That all changed in mid-January when I woke up to find a spool of thread had been unwound and strewn throughout the house. The first 24 hours were fine. My cat, Baker, ate and then, as cats often do, threw up some. Between 24 - 36 hours, he started slowing down, not eating and wanting seclusion. When he vomited a significant amount of brown, smelly intestinal contents, I knew that he was obstructed. I ran him to a 24 hour vet clinic at 10 PM. Baker was promptly seen... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Brenda - Thanks for taking the time to write your review. We're glad Baker is feeling better, but his foreign body issues were really serious! We happy we could ease the financial burden of his hospital stay. Give your buddy a big hug For us!
Nicole C

2/24/2019
We did quite a bit of research about finding a good insurance for our baby French Bulldog, figuring if we didn’t get it something was bound to happen and if we did then we would be covered. Beyond glad we chose Healthy Paws as our pup took a tumble at doggy daycare and fractured his elbow about a week ago and racked up huge vet bills. We submitted the claims via the Healthy Paws app and were reimbursed within the week! We couldn’t be happier with the quick turnaround, customer support when we called with questions and the follow up of the team. Most importantly, they saved us over $4,000 in out of pocket expenses. Very glad we chose Healthy Paws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Nicole - We're sorry your Frenchie had that major leg injury. We appreciate all of your kind words regarding our customer service, easy to use phone app and quick reimbursement. We hope your boy does well in his recovery. Give him a big hug for us!
S
S

2/22/2019
I have been a customer of Healthy Paws for over 5 years now. I've had two of my pets covered with Healthy Paws within that time. I've never experienced huge increases in premiums with my first pet's insurance. She was covered for nearly 4 years, but that pet has since passed. Currently, I only have one pet covered since Jan 2016 with a premium of $39.72/month. After one year it increased slightly to $43.70/month, which is reasonable. However, the next year it jumped to $54.18/month, and they just raised it again to $67.81/month this year. These are substantial increases, which they justify as increased cost of vet care. They really put pet owners in a bind and forcing them to choose... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
S - We appreciate you being part of the Healthy Paws family and glad we've been able to provide coverage for your pets claims over the years. We understand that no one likes any form of premium increase and realize this increase was larger than normal. 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. We have seen an increase in the frequency of high-value treatments such as anterior cruciate ligament surgeries, cancer treatments including chemotherapy, and foreign body exploratory surgeries performed by veterinarians. These are some examples of procedures performed during the last 12 months that ranged anywhere from $3,000-$16,000. Your monthly premium is going 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. Rest assured, we never penalize a client with higher rates for making claims. 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. We hope you and your dog stay well!
Rosco P

2/21/2019
I just want to say that I could not be more pleased with Healthy Paws and how easy it to file claims and receive reimbursements. Our German Shepherd was diagnosed with a potentially life threatening fungal infection and required thousands of dollars worth of treatment and medications. I am not in great financial shape right now so to be able to focus on my dog and not have to worry much about the financial side of treatment is such a blessing. Getting Healthy Paws insurance was a great decision and I would never own a pet again without this insurance. I have been telling my friends and family about Healthy Paws and highly recommending getting pet insurance through them.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Rosco - We're glad we could be there for your buddy during his serious fungal infection. We appreciate all of your kind words and happy that we could alleviate some of your financial stress so you could concentrate on your pup's recovery. Give your buddy a big hug from us!
Marty K

2/20/2019
Our relationship with Healthy Paws has been beneficial, stress free, and delightful since Day 1. Submitting our cats' veterinary invoices is a quick and easy process via iPad, cell phone, laptop, or desktop and scanner. The reimbursement checks seem to arrive before we've powered down our devices and Healthy Paws is very quick to communicate the status of our claim so we always know what's up.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Marty - Thanks for all of your kind words. We're glad you find our policy beneficial and stress free. Give your kitty big hugs from us!
Celia M

2/18/2019
Signing up with Healthy Paws was the best decision we could have made for our pup who unfortunately has had a lot of health issues including a recent, unexpected surgery. In each case, Healthy Paws has covered these expenses and lived up to their promise. It’s so easy to use their app to submit claims. They process the claims quickly and will submit your reimbursement directly to your bank account if you choose. I can honestly say that without Healthy Paws we couldn’t have afforded to give our dog the care he needs. We owe so much gratitude to Healthy Paws! It’s a decision you won’t regret.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Celia - We're glad we can play a part in assuring your pup has access to the best available medical care. We appreciate the kind words regarding our easy to use phone app and reimbursement process. Give your pup a big hug from us!
Louis K

2/17/2019
I have had Healthypaws on my dogs since I adopted them as puppies. Having this coverage is something you hope you NEVER have to use but when you need it, having it can mean that you can remove financial concerns as a factor in if your loved one lives or dies. One of my pups became very ill and if it wasn't for Healthypaws I am not sure if I would have been able to remove the financial burden from decisions about care. I am forever grateful to Healthypaws for that.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Louis - We're glad to be there when you and your pups need us. Give them big hugs from us!
H
HCV

2/16/2019
This is what insurance should be. I can't say enough how grateful I am that my best friend recommended healthypaws to me and I signed my dog up. My dog is my child and a very important part of my family. She needed two surgeries in one year and healthypaws alleviated financial stress without adding any stress. Simply drag and drop your invoice, you then get a sincere personal message from their team, and then a check in a few days. Their coverage specifics are incredibly transparent on their website, and they have held to be accurate. It is obvious that the people behind this company are true animal lovers and dog parents themselves. Hopefully my dog will never need another surgery... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
HCV - We're glad you appreciate the transparency of our policy. Thanks for the kind words regarding our customer care team. We're happy we could relieve some of the financial stress that came with your pup's surgeries. Give your baby a big hug from us!
Jane S

2/16/2019
My experience was as good as I could’ve hoped for under the conditions. I lost my fabulous two-year-old border collie pup to a freak internal tear. I would have paid anything to have her recover, but to face her loss followed by the $6000 vet bill would have been intolerable. Healthy Paws was fast, efficient and the gal who handled my claim was gentle, supportive and sympathetic. The check arrived amazingly fast. I couldn’t have asked for anything more. I can only give them my best recommendation.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jane - We're sorry sorry for the loss of your sweet pup. We appreciate all of your kind words regarding our team and reimbursement process. Good thoughts and vibes to you from your Healthy Paws family.
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✅ 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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