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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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Kelly M

9/17/2018
I have coverage for two dogs and one cat. One of my dogs and my cat have rarely (if ever) used the coverage, HOWEVER - my second dog was diagnosed with cancer at only a 1.5 years old. I never had to consider cost when choosing the best possible care for him. Filing claims was easy, and I was paid quickly. I had one very minor issue with a claim; I called HealthyPaws, the customer service was exceedingly nice, and they fixed it immediately. When friends discuss adopting a dog, it's the first thing I suggest. Get. Insurance. You never want to have to make a medical decision based on what you can or can't afford.

J
Jennifer W

9/15/2018
My decision to insure our rescue puppy came down to Healthy Paws and another reputable insurance company. I didn't know much about Healthy Paws but I liked that they had locked in rates and that alternative services such as acupuncture were covered. I quickly learned what an amazing pet insurance company this really is. At 5 months old our puppy woke up blind one day. After pricey diagnostic tests that included an MRI we found out she had a very serious condition and had to make the humane decision to euthanize her. It was heartbreaking. As I began the process of submitting her claim I was worried that services wouldn't be covered or the insurance would find a loophole and not reimburse... Read More

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Andrew S

9/15/2018
My Healthy Paws experience has been wonderful. This is a truly reputable organization that cares for its customers and their furry companions. They are quick to process claims and stand by their word. I even received a very nice email from Tim Weiss, a Claws and Paws Protector checking in on my pup. They are good people and I highly recommend you sign up with them. I cannot thank them enough. :)

Catherine W

9/14/2018
I am so pleased with health coverage! My dog had some major health issues and the company reached out just to check up on his recovery. HP seems genuinely concerned about welfare of animal and the claims process is easy and fast. I will be customer for life!

C
Carrie T

9/14/2018
We have been having healthy paws since we got our puppy last year , we are very pleased with the coverage and their top tier customer service, super fast claim reimbursements, and we even receive follow up emails from them just want to make sure our dog is recovering well , I really appreciated their service and coverage , it does give us a peace of mind knowing our dog is in the good hands, if you’re looking for a pet insurance , we strongly suggest healthy paws . They are the best of pet insurance company that a pet owner could ever ask for !

J
Janice C

9/14/2018
I must say, Healthy Paws saved my dogs life. This pet insurance company is the most awesome company EVER!!!. They are wonderful on the phones, the people answering them and answering your questions...they are so incredibly helpful. They are pretty much always there for you. They are so quick in receiving vet invoices and viewing them and sending you your check. SO QUICKLY. I am in awe of Healthy Paws. The best company ever. My doggie "Jazzy" had a torn ACL last year, that was $6,000.00 and Healthy Paws paid 90%. And Jazzy tore the other ACL 3 weeks ago and the bill was over $4,000.00. And Healthy Paws paid 90%. And quickly. I recommend Healthy Paws to anyone who has an... Read More

Ris M

9/13/2018
My pup Bowie broke his femur back in March and since then has had six surgeries, three ear infections, and countless hospital stays, amounting to well over $20,000 in medical expenses—with more to come! Thanks to HealthyPaws, we have saved a total of $14,321.87. There is no way we could have provided our fur baby with the care he needs without the wonderful humans at HealthyPaws. Not only have they provided the financial assistance necessary, but they are kind and compassionate and continuously send e-mails checking in on our little guy. Since Bowie's injury, I have become a HUGE advocate for pet insurance and tell everyone who will listen about HealthyPaws Pet Insurance. 15/10 would... Read More

J
Jennifer M

9/11/2018
Healthy paws is the absolute best!! Recently my precious cat had a $3,000 vet bill due to an emergency. Healthy paws was a lifesaver, they covered everything except the special diet, and doctors fee, and I got my claim completed in less than a week! I had to make decisions for my cats health, and was able to quickly get someone on the phone to help me understand what was covered, I didn’t have to skimp on anything! If there had been a private celebrity cat wing at the animal hospital Healthy Paws probably would have covered it, because they treat my beloved cat like a prince!!! I also really love the personalized follow up emails!

M
mel

9/11/2018
When my 12 year old dog passed on I got another husky, a rescue. He's an absolute joy and only 3 years old. I had insurance for my former dog and was not impressed, but I did a lot of research and signed up for Healthy Paws the day after I got Bernie. Suddenly 3 weeks ago he collapsed. I rushed him to the ER. After life saving surgery and a blood transfusion, he was diagnosed with Hemangiasarcoma, an awful disease, rarely seen in Huskies, and even more rare in young dogs. He is doing remarkably well, and we are doing all we can to give him a happy healthy life. Healthy Paws covered 90% of the costs, just like they said they would. The paperwork was processed rapidly. I am very impressed.

M
MaryJ

9/10/2018
My dog was recently diagnosed with osteosarcoma. She is only 5 years old and we have been healthy paws customers for the past 4 years. Our dog has been healthy up until now and never required more than routine care. I did not imagine how important pet insurance would be until we had this very serious diagnosis. Healthy Paws has covered all of our dog's treatments and diagnostics (x-rays, biopsy, and amputation surgery) at 90%. It has been the easiest process ever they have been so helpful, even offering to arrange for an upfront payment if we couldn't afford the initial surgery payment. Without their support, our dog literally would not be with us. We are so grateful for their help and... Read More

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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