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Healthy Paws Pet Insurance Review

3,346 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
4.0/5
Cost
4.0/5
Extras

Our Overall Rating: 4.4 / 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 - 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 / 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 - 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 - 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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3346 Customer Comments & Reviews

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Cheri W

12/18/2017
I would like to send my appreciation and Thank You to Healthy Paws Pet Insurance. They have always answered the phone and emails quickly. They have never never disappointed us with their response but have instead been so concerned to the health and recovery of our canine family. Their response time has never been over a month for any claims we have had to submit these last few years. We have two beautiful German Shepherd dogs. I knew I never wanted to be in the position of worrying about whether or not I could afford their care when faced with a crisis. Odin my 4year developed Perianal Fistulas when He was 3years of age. When doing research on this condition, I discovered that many... Read More

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Ryan V

12/18/2017
They have exceptional customer service, pay quickly, and are fully transparent with what you are receiving and why you are receiving it. I wouldn't go with any other company

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Robin

12/17/2017
Healthy Paws claims process is super easy using their app. My dog recently had major eye surgery, and their claim response time and time to receive the refund was less than a week! This really helps me focus on my dog instead of on how I am paying for his expenses. They also contacted me with genuine concern about how he was doing, which was extremely nice. I recommend Healthy Paws to all of my friends with dogs!

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Kim

12/16/2017
I know i needed insurance for my bulldog the moment i got him but was so nervous about picking the right one. I work in medicine and deal with insurances all the time so i was skeptical i could find a trustworthy company that didn't cost and arm and a leg for my notoriously medically challenged furry friend. I found healthy paws and read the reviews. Still hesitant, i signed my pup up. I have not been disapppointed yet. I seemed to have great coverage for a low cost. Every encounter with their customer service has been easy and pleasant. Submitting claims easy. But i hadn't really challenged them yet...that was until my sweet boy tore his acl like the good bulldog he is. A $5,000 operation... Read More

Michelle S

12/16/2017
I’ve had Healthy Paws for 2 years. One of my dogs needed 2 leg surgeries within 8 mos. I filed my claim and was reimbursed my coverage amount within 2 weeks. They even followed up to see how he was doing. By far, it’s the best pet insurance.

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K

12/16/2017
Submitting claims is super easy and reimbursement is always really quick. Plus, they follow up to check on how your pet is doing after surgery/illness/whatever. I'm super happy with them!

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Colleen R

12/16/2017
Thank goodness I bought Healthy Paws Pet Insurance for my puppy. She just had emergency surgery for a life threatening infection and I was able to have the expensive procedure performed knowing that Healthy Paws would reimburse me for the costs. Such a relief! They make the claim process easy and pay out quickly on the claims.

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Michelle

12/15/2017
Dear Healthy Paws, Thank you for your incredible customer service and support. I am so pleased with my experience with Healthy Paws pet insurance and would recommend it to any and all pet owners. My fiancé and I went back and forth on pet insurance for many months, because we had no way of knowing if it would pay off in the long run. Charlie was 100% healthy and never had trouble with counter surfing, chewing, or eating foreign objects. I eventually enrolled our dog "just in case" because I felt it would give me the most peace of mind during what could be an extremely stressful time. I’m pleased to report that our dog now has better health insurance than me! Right before... Read More

Renee R

12/15/2017
This must be the easiest pet insurance to work with. It makes care for our pup a no brainer. We can make difficult decisions a lot easier knowing he’s covered and we won’t have to fight for reimbursement. The app is simple and very user friendly. We’ve been with Healthy Paws from day 1 and it was a great choice.

Cheri B

12/15/2017
Hi, I would like to tell everyone about Healthy Paws Pet Insurance. But first I need to give you just a little background on why I’m writing this. This was our Baby Girl Shiloh. We were lucky enough to adopt her from German Shepherd Rescue of Northern California, when she was about 3 1/2 years old. She had a congenital problem with her hips not fitting in their sockets properly, and because of this had arthritis and took meds daily. We ended up adding another shepherd to our family as a companion. Blue started out with some very severe skin problems, and also had to take meds every day, we finally added a scrawny little white cat who showed up in our garage In the middle... Read More

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