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Healthy Paws Pet Insurance Review

3,228 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 is Healthy Paws rated?

Breakdown

3.5/5
Coverage
4.0/5
Cost
4.0/5
Extras

Overall Rating: 3.9 / 5 (Very good)

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 - 3.5 / 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

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

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 - 4 / 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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3228 Customer Comments & Reviews

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Renee

9/16/2019
I have had Healthy paws for more than a year now for my 5 fur-babies. So far I had to submit 3 different claims. The process to file a claim and my claims were processed very quickly.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Renee - Thank you for taking the time to write your review and for trusting us to protect all of your sweet fur-babies. We are so happy that you have been so pleased our quick and easy claims process. Please give all of your pups a big hug from us!
J
Jeannette

9/16/2019
My dog Karlito ingested a toxin and visited two different specialists for care. Healthy Paws was quick to process the two claims reimburse me for 90% of the costs after the deductible kicked in. Submitting the claim was simple and getting reimbursed was even easier - their direct deposit appeared within 24 hours of the claims being processed. I couldn’t be happier with HealthyPaws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jeanette - We are so sorry to hear about Karlitos recent toxicity scare. Having a sick pup can be very scary and stressful so we are so happy that Healthy Paws was able to help during Karlitos recent emergency. Thank you so much for the kind words regarding our simple and easy claims and reimbursement process. Please give Karlito another big hug from us!
C
Cathy Z

9/9/2019
This pet insurance has the greatest customer service! They are quick to reimburse you for your covered expenses and has never given us grief. We had a healthy puppy when we first got her, but early on started limping. We later found she had elbow dysplasia. We are on the 90% coverage plan with $100. Best decision we ever made!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Cathy - Thank you for the kind words and for taking the time to write your review. We are so glad that you have been so pleased with your policy and that we have been able to help you and your puppy when you both need it the most! Please give her a big hug from us.
clogan98

9/9/2019
Healthy Paws is truly the best there is. My dog had luxating patella surgery and I only ended up paying $207 of the $2070 fee. And their claims processing time is absolutely fantastic. I’m reimbursed usually within 2 weeks. I no longer panic in fear when we have to go to the vet wondering what we’ll have to give up that month to make up for the amount the visit costs. I’m reimbursed before my credit card payment is even due. It’s truly a huge weight off my shoulders. Especially with such an incident prone puppy!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
clogan98 - We are sorry to hear that your pup had major knee surgery recently. Hopefully, rehab is going well. Thank you very much for the kind words regarding our customer service and quick claims processing. We pride ourselves on having excellent customer service and a quick claims process. Please give your puppy another hug from us!
Amber R

9/3/2019
A long overdue review for Healthy Paws and their excellent service. My young cat had a medical emergency and I was able to go straight to the ER without a worry. I signed off on his life saving procedures knowing he would be covered by Healthy Paws. The claims process is straightforward and efficient. Customer service is kind, responsive and helpful. Wonderful company!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Amber - Having a sick pet can be very stressful and scary. We are so happy that you were able to give your kitty the best medical care available without having to worry about the cost. Thank you so much for the kind words regarding our amazing customer service and for taking the time to write your review. Please give your sweet kitty a big hug from us!
N
nicole m

9/3/2019
healthypaws has always been there for my dog Mr, Darcy who suffers from bladder stones. My poor fellow has had 3 operations to remove his stones and thank God he is covered by excellent pet insurance!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
nicole - We are so sorry to hear about Mr. Darcy's major bladder stone operations and we hope he is feeling much better now. Thank you for all the kind words and please give Mr. Darcy another hug from us!
Karen S

9/3/2019
Absolutely terrible. Upon sign up, they failed to mention a $25 initiation fee on top of the 1st month's fees, and that's with speaking to 2 different representatives and neither mentioned anything. Also, note their deductibles are not accurate. They stated a $1000 for my dog's policy but unlike other insurance companies, they reduce the deductible by the % they cover. This is misrepresentation and fraudulent. They should be honest about their fees and coverage and how their coverage is calculated UPFRONT! It is difficult to speak with a supervisor there and when I did, 50% of them were unhelpful and not friendly. Poor customer service and terrible transparency.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Karen - We're sorry that our customer service did not meet yours or our expectations. We do our best to be transparent regarding our enrollment fee by including this information during the online enrollment process you completed. We charge a one-time admin fee to cover your initial account set up, as well as monthly billing costs. This is the only administrative fee you will see on your account for the lifetime of your policy. In regards to how our reimbursement calculation works, we include this information (including examples) on our website within our "Frequent Asked Questions" page, and on our "For Customers" page within our website. Our process for calculating reimbursements are approved by each state's Department of Insurance and are based upon the deductible/reimbursement level a client chooses at enrollment. There are many pet insurance companies that use this same method for determining reimbursement amounts.
P
Patricia S

9/2/2019
While new to this company, I've submitted many small bills accruing amounts to apply to the deductible. They advertise up to a two week period to process....try months! My vet resubmitted the invoices over and over and I'm still waiting for it to be processed. Well, not exactly, I cancelled the policy after only having them a few months. Waiting on the phone to make an inquiry, standard time 45 minutes to 1 hour plus. Only to be transferred to another person who I had to wait for another 15 minutes. Was my question answered? Only with a stall of resend the invoice. After reading and researching legitimate complaints BBB, their complaints were aligned with mine. They take it upon... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Patricia - We apologize for the longer than normal hold times recently and that your Healthy Paws experience did not meet yours or our standards. After looking at your account, your last two claims were processed in the time frame advertised. However, your first claim did take a bit longer since we still needed your pets full medical records. Additionally, it doesn't appear that you were subject to any premium increases since you had not yet reached your policy anniversary date. If there is a premium increase, insurance regulations require that we send out an emailed notice to our clients 60 days prior to any increase. We always email pet parents regarding premium increases using the email address they have chosen for their account. We are sorry to lose you as a policyholder and please give your pet a hug from us
M
Matthew W

9/2/2019
We have had both of our active Golden retrievers insured with Healthy Paws for several years since we rescued them at a year and half old. Over the years we have filed multiple claims, mostly for fairly minor testing and treatments. The claims process is very easy and efficient using their app. Submit pictures of the invoice and associated vet’s notes and typically within less than a week they get back to us with the determination. Payment follows immediately in our case as a direct deposit to our bank account. I can only wish filing a claim for my own health insurance was half that easy. Recently our 6 year old Golden, Cody who is well known for zoomies around the back yard and flying... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Matthew - We are sorry to hear about your retriever's recent major shoulder and elbow issues. Hopefully, with surgery and rehabilitation Cody will be back to zooming around your back yard in no time! Thank you so much for taking the time to write such a thorough and glowing review. It makes us so happy to hear that you have been so happy with our customer service and easy claims process. Thank you for giving us the opportunity to protect your sweet Golden retrievers and give them both more big hugs from us!
M
Mini

9/2/2019
Great customer service and quick response to claims! I had no issues getting a very expensive surgery covered with no hassle! Highly recommend.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Mini - Thank you for taking the time to write your review and for the kind words regarding our customer service. Please give your pet a big hug from us!
Top Rated
Our Partner
  • No enrollment or administrative fees
  • Accidents, illnesses & emergency care
  • Most claims are processed within 2 days
  • Flexible premium & deductible options

 

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