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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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Amanda R

12/11/2018
Hands down the best! Never any issues with a claim. We have been with Healthy Paws since we got our dog over 5 years ago and it was the best decision we have ever made. Our dog has always been healthy with small issues like worms (yuck), ear infections, and cysts. This month however we had a really scary issue where our poor dog had a stomach blockage and had to be hospitalized for two nights with a feeding tube, catheter, and IV. The entire time he was in the hospital we said thank goodness for Healthy Paws! We were able to focus on getting our dog back to health instead of on the bills that were mounting to thousands of dollars. Healthy Paws customer service truly cares about the... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Amanda - We're happy we could help over the years and most recently during Lu's serious illness. Please give Lu a big hug from us and enjoy the holidays!
Zane B

12/11/2018
I signed up for HealthyPaws pet insurance a couple of years ago on the recommendation of a friend. I didn't expect to need it, but since my friend's dog suddenly required tens of thousands of dollars of vet care it seemed like a wise thing to do. Three years later, my dog was diagnosed with thyroid cancer requiring specialty vet services including major surgery. HealthyPaws has been amazing throughout this. I have 80% coverage and filing a claim online was very easy and working with their representatives to get the proper documentation from my vet was simple and reassuring. They even offered to call my vet directly and help identify the specific records they needed submitted. My claims... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Zane - We're glad to hear the good news about Franklin from your vet! Appreciate all of the kind words regarding our customer care team and claims process. Give Franklin a big hug from all of us!
Nicole S

12/11/2018
Healthy paws is amazing. When our dog tore his ACL, they took the worry out of everything. We were able to focus on Lenny, instead of on the cost of the surgery. Then six months later, when our dog tore his other ACL, healthy paws was there to help. They covered the cost of both surgeries, and checked in later to see how he was doing. Healthy paws really helped us to take the best care of our dog. Healthy paws is amazing. When our dog tore his ACL, they took the worry out of everything. We were able to focus on Lenny, instead of on the cost of the surgery. Then six months later, when our dog tore his other ACL, healthy paws was there to help. They covered the cost of both surgeries, and... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Nicole - 2 major leg surgeries in one year - Lenny is a trooper! We hope his recovery is going well and glad we could play a part in his care. Enjoy the holidays and give your boy another big hugs from us!
A
Anthony K

12/11/2018
Amazing. Truly great company. If you’re looking for insurance for your dog, use this company. It will be worth your investment.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Anthony - Thanks for the glowing endorsement. Have a wonderful holiday season!
arianabarkley23

12/10/2018
We are so so thankful for Healthy Paws! Our two year old pup had surgery and unfortunately experienced a difficult recovery. We were absolutely devastated and unsure whether or not she would pull through. As difficult as all of this was, having Healthy Paws and not having to worry about the financial aspect of her care, made everything that much easier. I felt better knowing that as long as she was able to push through we wouldn’t have to give up on her. Whatever test or treatment she needed, we were able to do. Our sweet girl is doing much better now, and we have already received a check from Healthy Paws with no hassle at all. We can't recommend Healthy Paws enough!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
arianabarkley23 - So happy your baby is doing so much better! We're glad we could play a part in relieving some of the financial stress so you could focus on her recovery. We hope all of you have a wonderful holiday season
Joe G

12/10/2018
They took care of our dog Emma and I was reimbursed within 2 days. Amazing service.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Joe - We hope Emma is progressing in her recovery. Thanks for the kind words and give your baby another big hug from us!
K
Kimberly C

12/8/2018
After tons of comparative shopping and research, we chose Healthy Paws 2.5 years ago to cover our two Great Danes when they were 6 months old. The Policy was clear and easy to understand. The coverage as compared to other providers, along with the rate, is why we made the decision to go with Healthy Paws. The Customer Service team was great in answering any questions I had. We purchased the insurance hoping we would never need to use it. Unfortunately, one of our dogs (Vegas) was diagnosed with Addison's disease when she was about a year old. Her treatment requires costly monthly injections, other daily medications, and frequent Vet visits for lab work. Another condition Vegas had... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kimberly - We appreciate the positive comments regarding our claims process and customer service. We hope Vegas and Reno are recovering well from their surgeries. Give them great big hugs from us!
E
Erica W

12/8/2018
If your looking for pet insurance Healthy Paws is the BEST!!!! The prices are fair and when your furbaby needs medical care Healthy Paws is right there !! Reimbursement is fabulous OMG fabulous!!!!! No limits are your pets care that's what I love. If they're sick or injured do not fear about getting them proper care as long as YOU HAVE HEALTHY PAWS you can rest easily. TRUST ME !!! Get Healthy Paws before you buy anything else. I love them and will always have them for my fubabies!!! 10 stars for this company

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Erica - Thanks for all of your kind words and support for us:) We're so happy we can play a part in making sure your babies have access to the best available medical care. We hope your and yours have a great holiday season
Madvi P

12/6/2018
I cannot rave enough about having my pets insured with Healthy Paws. My 4 year old Shih Tzu/Bichon mix, Reese, in less than 2 months had to undergo 2 big surgeries. The first one was a Cystotomy (bladder stone removal surgery) in October 2018 and the second one was for a Portosystemic Shunt surgery (congenital liver shunt) in November 2018. The stones from the first surgery were sent for analysis and their composition turned out to be Urate (Ammonia) stones which are very uncommon for Reese’s breed. Further diagnostics revealed that he had a liver that was not functioning 100% which is the reason why the stones had formed. We are hoping this fixes the issue and Reese is done with his share... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Madvi - Reese sure has been through alot in the law fews months! We hope his recovery is going well from his most recent surgery. Our team really appreciates all of your kind words regarding the customer service they provide:) Give Reese and Rio more big hugs from us!
Diane K

12/6/2018
Great company to work with. Very easy to submit claims I can do it right on my cell phone. It takes me about a minute to submit them. There is no wheeling and dealing if it qualifies they cover it. They are not your average insurance company they are superior. I have 3 dogs and covering them was not an option. One of the dogs is an English Bulldog who alone as a breed have a lot of medical problems. We had a few things arise with her and Healthy Paws was with us every step of the way. They covered everything they said they would and I had the check in my hand within a week. Thank you Healthy Paws for being a great pet insurance company and making a trip to the vet not so scary

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Diane - Thanks for all of your kind words. We wanted to make claims submission efficient and that's why we created our app. Glad you find it useful! Have a great holiday season and give your babies hugs from us!
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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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