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Healthy Paws Pet Insurance is a reputable provider with consistently high customer satisfaction scores, comprehensive coverage, and efficient claims processing. The company prides itself on providing exceptional customer service and processing 99% of claims within two days of filing. Plus, with every insurance quote issued, Healthy Paws makes a donation to pet rescues and animal shelters across the country.
While we love the simplicity of the single insurance plan for comprehensive coverage, there are a few potential drawbacks to be aware of. First, there’s no 100% reimbursement option—you can tailor your plan to reimburse between 70% and 90% of your costs. Secondly, there are restrictions on hip dysplasia coverage, which could be a problem for large-breed dog owners. However, there are no caps on claim payouts and as long as your pet isn’t suffering from a preexisting condition or one of the very few other exclusions, Healthy Paws will pay out as much as needed to get your pet healthier.
| Pros | Cons |
|---|---|
The Pet Insurance Factors We Analyzed
Pricing
With Healthy Paws, there are no complicated plans to choose from and no additional costs for extra services. However, your monthly rate still varies depending on several pet-related factors (including your pet’s breed, age, and geographic location), as well as several policy-related factors (including your chosen deductible and reimbursement percentage). Healthy Paws insurance coverage starts at $15 a month for cats and $25 a month for dogs. Deductible options range from $100 to $500, while reimbursement options range from 70% to 90%. Unfortunately, there is no 100% reimbursement option with Healthy Paws.
Customer experience
Healthy Paws is known for its high levels of customer satisfaction. You’ll find largely positive reviews on trusted sites like Trustpilot, where Healthy Paws has a rating of 4.5 out of five stars, and the Better Business Bureau (BBB), where Healthy Paws currently has a rating of four out of 5 stars. Customer reviews highlight the ease of claims filing, fast processing, and responsive customer service. There are also comparatively few complaints of denied claims, which is generally the primary cause of complaints among insurance customers.
Information is reasonably easy to find on the Healthy Paws website. Although Healthy Paws doesn’t offer a feature-rich app like Figo’s Pet Cloud, you can still file claims quickly and easily through the Healthy Paws app.
Coverage
Healthy Paws offers one comprehensive, easy-to-understand coverage plan. Illness, accidents, congenital conditions, chronic conditions, cancer, diagnostics, surgery, hospitalization, prescriptions, emergencies, specialists, and alternative treatments are all covered. The only exclusions are preexisting conditions, vet exams, and preventative care. There are no caps on claim payouts, so you’ll be covered no matter how expensive your pet’s treatments get (assuming that the issue is not a preexisting condition).
The one major hole in coverage concerns hip dysplasia. There’s a 12-month waiting period for hip dysplasia coverage (meaning your pet must be insured with Healthy Pet for 12 consecutive months before any signs or symptoms manifest), and your pet must have been enrolled with Healthy Pet at age six or younger. If you have a large-breed dog, which is known to be prone to hip dysplasia, you may want to choose a provider that’s more hip dysplasia friendly, such as Figo Pet Insurance.
Healthy Paws Pet Insurance Overview: Financial Strength, Availability, and History
Healthy Paws Pet Insurance is underwritten by the Chubb Group, which currently holds an A+ rating for financial strength from AM Best. In operation since 2009, Health Paws became accredited by the BBB in 2011. Healthy Paws boasts an A+ BBB rating and a higher-than-average customer review score of four out of five stars. Healthy Paws also enjoys a strong 4.5 out of five stars on Trustpilot and pet coverage is available nationwide.
- In business since: 2009
- BBB Rating: A+
- AM Best Financial Strength Rating: A+ (for underwriting company, the Chubb Group)
- States served: 50
The Competition
| States Available | Vet Exam Coverage Offered | Wellness Coverage Offered* | |
| Healthy Paws | 50 | No | No |
| Figo Pet Insurance | 50 | Yes | No |
| Nationwide | 50 | Yes | Yes |
| Embrace | 50 | Yes | Yes |
| 24 Pet Watch | 50 | Yes | Yes |
| Trupanion | 50 | No | No |
*Coverage for routine care like vaccinations, flea/heartworm prevention, etc.
All information accurate as of 03/23/2020.
The Bottom Line
Healthy Paws Pet Insurance offers comprehensive coverage in a straightforward policy that leaves little room for confusion or misunderstandings. With high customer satisfaction ratings, quick claims processing, and unlimited claim payouts, Healthy Paws is a solid option for most pet owners. And we love that it regularly donates to pets in need. Having said all that, if you have a mature, large-breed dog, you may want to consider an insurance provider with fewer restrictions on hip dysplasia coverage. Figo Pet Insurance, for example, doesn’t have a pet age limit or require a 12-month waiting period for hip dysplasia. However, with that single exception, it’s hard to go wrong with Healthy Paws.
About the Authors
The Reviews.com staff is dedicated to providing you with all the deep-dive details. Our writers, researchers, and editors came together from Charlotte, Seattle, San Juan, Fort Worth, Fort Lauderdale, San Diego, and Chicago to put this review together.
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