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Healthy Paws Pet Insurance Review for 2020

Our team has researched the coverage, cost, and customer satisfaction scores of the nation’s top pet insurance providers.

Healthy Paws Pet Insurance received our award for The Best Plan for 2020 and customers agree: from Yelp to the Better Business Bureau, Healthy Paws reviews are higher than any other pet insurance plan.

If your interested in learning more about Healthy Paws, our complete review has all the information you need.

Table of Contents:

Healthy Paws Pet Insurance

Healthy Paws is the only pet insurance company that provides unlimited lifetime benefits with an annual deductible. This means that there is no limit on the number of claims you can file, and no cap on reimbursements. Your pet is covered for any accident or illness, for life. Period.

Their policies cover all accidents and illnesses, and there are no restrictions for hereditary or congenital conditions, including cancer. Healthy Paws automatically reimburses congenital and hereditary condition diagnosis and treatment, with no hassle. It’s another important reason why Healthy Paws plans are the best.

Healthy Paws is Rated #1

Healthy Paws was the #1 pet insurance provider in 2017, 2018, and 2019.

The average customer rating is 9.8 out of 10.

  • Healthy Paws Yelp: 4.5 out of 5 stars from 252 pet parents
  • Better Business Bureau: A+ consumer grade
  • Trustpilot: 9.7 out of 10 from 155 Healthy Paws reviews

Healthy Paws

  • Rated #1
  • Unlimited Benefits
  • No Restrictions for Hereditary/Congenital Conditions

healthy paws pet insurance
4.9 out of 5

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What’s Covered with Healthy Paws?

With Healthy Paws, you can go to any licensed veterinarian that you choose. This includes specialists and emergency animal hospitals.

90 % of your veterinary bill is covered with every plan and is based on actual costs.

Healthy Paws Pet Insurance covers the following:

  • Accidents, Illnesses & Cancer
  • Diagnostic Treatment
  • Hereditary, Congenital, & Chronic Conditions
  • X-Rays, Blood Tests, Ultrasounds
  • Surgery & Hospitalization
  • Prescription Medications
  • Emergency & Specialty Care
  • Alternative Treatments

Alternative Therapy

Healthy Paws’ coverage also includes services like advanced testing, surgeries, prescription medications, as well as alternative therapies such as:

  • Acupuncture
  • Hydrotherapy
  • Chiropractic care

Alternative therapies can provide that extra care for injured pets or older cats and dogs. They are known to be very helpful for:

  • Degenerative spine issues
  • Neurologic disc problems
  • Hip dysplasia
  • Cruciate ligament injuries

Healthy Paws policies cover expensive congenital and hereditary conditions, like hip dysplasia and heart defects. Other plans often exclude these from coverage or “include” them in their plans but deny claims after a pet parent has spent thousands in vet bills.

Healthy Paws Covers Costly Treatments

Healthy Paws coverage also includes:

  • Chronic conditions
  • Ear infections
  • Allergies
  • Renal failure
  • Cancer

These are ongoing and costly, but Healthy Paws will never deny a claim for treatment.

When your pet visits the vet for an accident or illness, Healthy Paws pet insurance pays for diagnostic treatment, testing, and prescription medications. If your pet requires surgery, they cover surgery and hospitalization. Puppy stepped on a bee? Emergency visits are included as well.

Additionally, if your pet needs specialist care for an illness like cancer, Healthy Paws coverage is there for that too.

Healthy Paws Offers Unlimited Benefits

Very few insurers offer no limits or caps on their policies, but this is one of the features that sets Healthy Paws apart.

Also, other pet insurance providers will only offer unlimited benefits on a Cadillac level policy. This is not true with Healthy Paws who offers the no limits benefit on their standard plan.

Some providers, like Embrace, only offer benefits up to $15,000 which can be limiting if your pet needs serious treatment as it is not uncommon for a medical bill to be as high as $20,000.

As with other pet insurance plans, they will pay the entire bill, no matter the cost, as long as the condition is not pre-existing.  At the facility or doctor of your choice.

Healthy Paws Reimbursement Is Based On The Actual Vet Bill

An important distinction between Healthy Paws and other providers is the reimbursement method.

Healthy Paws reimbursement is based on the actual veterinary bill. Some plans reimburse you according to a benefit schedule or “usual and customary” vet costs, which is usually based on the national average cost.

Let’s say you paid a $500 vet bill to treat your dog’s ear infection:

  • Your pet insurance reimburses according to a benefit schedule
  • The benefit schedule indicates that $300 is “usual and customary” to treat a dog ear infection
  • You chose 90% reimbursement when you enrolled, so your pet insurance will reimburse you 90% of $300, so $270. But you paid $500. That’s almost half of your out of pocket cost!

With Healthy Paws coverage, you would be reimbursed based on the $500 vet bill: 90% x $500= $450. Now that’s more like it! Makes sense why Healthy Paws insurance reviews are the best, right?

How Much Does Healthy Paws Pet Insurance Cost?

When you look at the benefits of no limits, deductibles, and a customized payout percentage, Healthy Paws plans are well priced.

The company also offers a variety of different discounts, including special rates for members of AARP, AAA, Costco and more!

Some of the other groups that they give a 10% lifetime discount are the following:

  • Animal Welfare Volunteers
  • Association or Alumni Organizations
  • Membership groups such as AAA, AARP, and Costco
  • Military service.

Employer-sponsored plans enjoy a lifetime discount of 15 %.

The average starting premium for dogs is $32.80 and for cats is $17.19.  Of course, it depends on other variables such as your dog or cat’s age, where you live and the breed.  And, which policy you choose.

Save with Our Healthy Paws Promo Code!

We want your pet to have the best health insurance, so we’ve partnered with Healthy Paws to offer you a 10% discount on your monthly premium, for as long as you have the plan!

To redeem your Healthy Paws pet insurance promo code, click on any of the buttons on this page. The discount will automatically apply at checkout when you enroll for a new Healthy Paws policy.

Healthy Paws

Receive a 10% discount on your monthly premium with Healthy Paws.

healthy paws pet insurance
4.9 out of 5

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Annual Deductible

Annual deductibles mean that you only have to meet your deductible once per year.

Other plans have per-condition deductibles, so you have to meet your deductible each time your pet has an accident or gets sick. This ia s huge cost savings for you, and just one of the reasons that Healthy Paws pet insurance reviews are the best, 4 years in a row.

Healthy Paws give you the option to choose from multiple deductibles. This gives you a level of customization to your specific financial needs.  Deductibles can be

  • $100
  • $250
  • $500

Just like other insurance, the higher your deductible the lower your monthly premiums.  It just depends on your needs and what you anticipate for your dog or cat in the coming year.

Enrollment & Claims Process

Pets eight weeks and older are eligible for coverage, while 13 years old is the upper age of coverage.

Healthy Paws has two waiting periods with their policies:

  • 15 days for accidents and illnesses
  • 12 months for hip dysplasia

Healthy Paws pet insurance requires a full physical exam of your pet by a licensed veterinarian in order to be eligible for coverage.

No additional diagnostic testing such as x-rays or blood work is required. The timeline of this exam will depend on your pet’s age at the time of enrollment.

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.

Healthy Paws does not require any medical records or proof of enrollment exam before submitting your first claim. When you file your first claim, they will then need a copy of your pet’s full medical history, including documentation of the enrollment exam.

The Claims Process with Healthy Paws is Fully Automated!

Healthy Paws is one of the only pet insurance companies to fully automate its claims process online.

To file a claim, you simply visit the claims portal website or download the app on your smartphone. They have a high claims approval rating and fast turnaround time for reimbursements.

Healthy Paws pet insurance is the most reliable partner to help you pay for your pet’s health care.

Healthy Paws Customer Reviews

According to customer reviews of Healthy Paws pet insurance, 9 out of 10 pet owners who purchase a policy are very satisfied with their coverage and with the customer service.

Among the large volume of reviews of Healthy Paws, here are a few typical reviews:

“Healthy Paws is the best pet insurance, hands down.”

Healthy Paws has been amazing to have for my two-year-old puppy, who has had his share of medical mishaps. The peace of mind I have knowing that my dog is protected is wonderful, and I recommend Healthy Paws to every pet parent I meet. One of the best decisions I’ve ever made for my dog.

“Wonderful Pet Insurance.”

I’ve never reviewed any insurance company before. But Healthy Paws has been so good to my accident-prone German Shepherd that I had to write this. They respond to claims immediately and pay everything as promised. Such a relief dealing with a company who treats my dog’s health as the highest priority.

“Healthy Paws took great care of my Golden Retriever.”

Everything from the conduct of the attendants to the review and processing of customers’ information is handled with professionalism and a minimum of hassles.

“Thank you, Healthy Paws, for coming through for my puppy’s emergency.”

Healthy Paws pet insurance has been recognized over and over as the very best. It offers extensive coverage, with unlimited benefits for your pet’s lifetime, unlike just about every other pet insurance provider.

“Healthy Paws was a breeze to set up and easier to deal with for claims.”

Healthy Paws’ app, website, and email and phone support make it easy to access profiles and to receive the help you need with your policy and your claims. Thanks to the company’s flexible hours, there are also plenty of opportunities to get in touch with their representatives. The one drawback seems to be that the mobile app is only available to Apple users.

“Reimbursement for my Dachshund’s $3400 surgery took just 3 weeks.”

The process of filing a claim couldn’t be easier. Either fill out the short, easily accessible form, take a snapshot of the invoices and submit them through the app, or alternatively send scans of the invoices through email. After that, the claims are processed as quickly as possible.

“Their policies are easy to understand and coverage is flexible.”

The fact that the reimbursement level and deductibles can be adjusted to meet individual preferences is a big advantage; with Healthy Paws, flexibility is a given.

Healthy Paws vs Other Pet Insurance Providers

Customer Rating 9.8 7.9 9.1 8.7 7.6
Unlimited Lifetime Benefits Yes No No No No
Covers All Illnesses & Accidents Yes No Yes No Yes
Covers All Genetic Conditions Yes No Yes No Yes
Includes Alternative Therapies Yes No Yes No Yes
Type of Deductible Annual Annual Annual Annual Per Incident
Financial Stability Rating A+ A A+ A- A+

Healthy Paws Gives Back

A portion of your monthly premium benefits their Foundation, which donates a significant portion of the company’s profits to provide medical care for homeless pets.

Steve Siadek, the company’s founder, spoke with us for almost an hour to answer all of our questions about Healthy Paws.

Prior to founding the company, Steve managed a no-kill animal shelter.

His energy and compassion for helping animals is reflected in the outstanding Healthy Paws reviews from customers and veterinarians.

Healthy Paws

  • Rated #1
  • Unlimited Benefits
  • No Restrictions for Hereditary/Congenital Conditions

healthy paws pet insurance
4.9 out of 5

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FAQ

Where Do I Find Healthy Paws Promo Codes And Discounts?

There are several ways to save, including discounts for AAA members, friends, and family of existing members, and multiple pet savings. We offer a Healthy Paws promo code link that gives you 10% off the cost of your policy for as long as you have it!

What Does Healthy Paws Cover?

Any illness, accident, or injury is covered by Healthy Paws insurance. Surgery, hospital visits, medications, blood tests, x-rays, and other life-saving medical treatments are all paid for with Healthy Paws coverage.

Are There Any Types Of Limits On Coverage?

Healthy Paws pet insurance reviews are highest because there are no annual or lifetime limits on coverage. You can submit unlimited claims for any dollar amount, as long as your pet is enrolled. Like all pet insurance companies, Healthy Paws does not cover pre-existing conditions.

Are Hereditary And Congenital Conditions Covered?

Congenital conditions are birth defects and hereditary conditions passed down from your pet’s parents. These conditions can be expensive and difficult to treat, and may not show up until your pet is into adulthood. Healthy Paws coverage has no restrictions on congenital and hereditary health coverage. There is a standard 365 day waiting period for hip dysplasia.

What Is Not Covered with Healthy Paws?

Healthy Paws policies don’t cover routine care and regular veterinarian visits. Flea prevention, heartworm treatment, dental care, and behavioral modification are examples of excluded treatments. Excluding preventative care keeps the cost of insurance low, and cost is just one of the reasons why Healthy Paws reviews are consistently the best.

How Does My Pet Qualify For Coverage?

If your pet is under six years old, a copy of its most recent veterinary visit is all that is required. For pets six years and older, a veterinary examination performed during the past 30 days will be needed. If you don’t have the necessary veterinary records, you will need to have your pet examined before being approved for coverage.

How Do I Contact Healthy Paws?

For claims, you can email [email protected] or fax: (888) 228-4129. You can send a letter or submit your claim by mail at Healthy Paws Pet Insurance, P.O. Box 50034, Bellevue, WA 98015.

How Long Is The Waiting Period?

Your coverage begins at 12:01 a.m. on the day after enrollment. For accidents and illnesses, the waiting period is 15 days after you enroll. For pets younger than six years old, there is an additional 12 month waiting period for hip dysplasia.

How Do I Cancel My Coverage?

You may cancel your policy anytime by calling customer service at 1-855-898-8991.

How Do I Get A Quote?

Instantly get your free pet insurance quote from Healthy Paws and you’ll also activate an instant lifetime discount if you choose to enroll.

Does Healthy Paws Have An App?

Yes, Healthy Paws offers a free mobile app that lets you submit claims, update photos, update billing information, check the status of claims and review your policy. You can download the Healthy Paws App for iOS or get it on Google Play.

What About Customer Complaints?

Healthy Paws reviews from real customers are mostly singing their praise. However, we did find a few negative Healthy Paws reviews. On Rip Off Report, one customer had trouble canceling his policy.

Other customers complained about conditions not being covered or reimbursements being refused because they were pre-existing.

What Do Other Review Focused Companies Say?

Looking for even more perspectives? Smart move!

Don’t just take our word for it, check out the well-regarded company, Consumers Advocate, for an alternative review of Healthy Paws pet insurance.

136 Comments
  1. Reply
    DANIELL TANBIR 10/10/2017 at 11:25 am

    I agree- it is the Cadillac of insurance plans. My dog Buddy is old aged, I never know when something might come up, and it’s just good to have coverage. Learned the hard way that there are a host of issues that can arise over the course of a pet’s life.

  2. Reply
    DANIELL TANBIR 10/10/2017 at 11:53 am

    Really I agree with PET Insurance. Itt has been amazing to have for my 1-year-old puppy, who has had his share of medical information. Now the the mind I have knowing that my dog is protected is wonderful, and I Healthy Paws to every pet parent I meet. One of the best of others

  3. Reply
    LIes 01/17/2018 at 7:08 am

    These reviews are fake

    • Reply
      Pet Insurance U 01/17/2018 at 8:29 am

      Hi there, we assure you these reviews are not fake. Integrity is very important to us since a pet’s health or life could be at stake if a pet owner uses our site to review pet insurance. Is there something you’d like us to add to our Healthy Paws reviews?

  4. Reply
    Sophie Tilson 02/08/2018 at 1:45 am

    Hi everyone, healthy paws has been the biggest lifesaver ever. I have only been with them a year and they have now covered two major treatments (surgery and extensive medical testing) costing at least $6000 which they covered 80% of plus a bunch of other random visits I’ve had to have. They are super nice and so fast at processing especially if it’s for expensive things like surgery which they can cover up front in most instances. A big shout out to Shelby and Nikki who work in customer service. They were so nice to deal with and so has everyone else I just can’t remember their names lol. I seriously wish I could be insured myself by healthy paws instead of the human insurance options because I am far more impressed with them haha – Sophie T

  5. Reply
    Leslie 04/29/2018 at 8:52 am

    I am so lucky I have Healthy Paws insurance. Both of my pups are covered, but my girl Anya has had many health issues, while Jimmeny my boy has been very healthy. Anya has had many orthopedic issues, an immune mediated blood disorder, and recently she ate a bone that perforated her intestine and she became septic. She spent a week and a half in the ICU and Healthy paws paid for 90% of her $14,000 medical bill. I hope that is the last of her health disasters, but I am sure glad Healthy Paws has our back. Leslie, Anya and baby Jim

  6. Reply
    Theresa P 06/14/2018 at 8:45 pm

    Healthy Paws is the best. I had them for at least 8 years and used them this past year when my dog became ill. They covered 90 percent of the cost for his 2 surgeries, multiple tests and sadly his euthanasia. All of this was just about $10,000. I have compared them with other companies and they are by far superior. I am definitely going to use them again.

  7. Reply
    Carol Chapman 06/26/2018 at 1:59 am

    I am extremely disappointed in the recent denial of a claim for my dog’s PRP (Platelet Rich Plasma) treatment for elbow dysplasia. I reached out to Healthy Paws to confirm coverage for various orthopedic treatments and was clearly told by the representative that treatments for dysplasia were covered with the exception of some natural remedies and herbal supplements, and in digging deeper I was told that some of the natural remedies were actually covered because they have been found to be beneficial. The representative was very clear that the only exclusions were some natural remedies, so I moved forward with the very expensive PRP injection for my dog. Upon submission, I my claim was rejected because I was told that PRP is considered “experimental”. A therapy that has been used since the 70’s in humans and for almost 10 years in dogs, and has been deemed, in study after study, a highly beneficial treatment for various forms of dysplasia in dogs, is considered “experimental”? That is ridiculous. Yet chiropractic medicine, acupuncture, and some herbal remedies have definitive results and are covered? The policy is terrible and the representative who relayed the information to me misrepresented the coverage. Healthy Paws has done nothing to remedy the situation and claims that they cannot reimburse me for any part of the procedure because they can’t change their coverage. When I asked about reimbursement because their representative misrepresented the coverage, they denied my request. My other two dogs are on Pet Plan and I’ve never had an issue like this. I work in the animal field and will never recommend Healthy Paws to anyone again.

  8. Reply
    Tiffany Marzuki 07/12/2018 at 5:32 am

    Does Healthy Paws cover any dental outside cleanings?

  9. Reply
    Lisa Wise 07/14/2018 at 1:44 am

    I learned today that one thing was NOT at all clear about their coverage – they do NOT cover the cost of the vet/office visit for an emergency visit. The Q&A above says “Healthy Paws policies don’t cover routine care and regular veterinarian visits. Flea prevention, heartworm treatment, dental care, and behavioral modification are examples of excluded treatments. Excluding preventative care keeps the cost of insurance low, and cost is just one of the reasons why Healthy Paws reviews are consistently the best.” It doesn’t tell you that if you take your pet to the vet for an emergency visit, they won’t cover the office visit portion. In some cases, like ours, this was 3/4 of the cost of our trip. So, if you subtract that from the amount covered and then the 20% deductible, I was not very pleased to see how little they actually applied to my deductible for the year. Yes, I know it’s still probably worthwhile if a major health issue arises, but I can’t help but think maybe I should just put my money into a savings account instead. Make sure you understand what the policy covers before enrolling!

  10. Reply
    arne 07/24/2018 at 2:12 am

    Overall healthy paws has been good but the most recent claim was unjustly denied. Our male dog needed to be neutered (at 5 years of age) because of a prostate issue that was causing discomfort and peeing blood. This issue arises in maybe 50% of intact males and most have no symptoms. Very obviously the neutering at this point was NOT elective or preventative but medically necessary. They refused to cover it which is ridiculous. The vet notes clearly stated this procedure was medically required. I understand that normally neutering is considered preventative and not covered. Preventative of what is unclear but that is a different story. (the best time to neuter a male dog is never).
    So, Healthy paws is basically telling me that if neutering were required to save the dogs life they wouldn’t cover it.

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