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Healthy Paws Pet Insurance Review

3,229 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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3229 Customer Comments & Reviews

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Pam S

5/30/2019
I have Healthy Paws for all my animals. My boxer has benefited the most. She’s had several surgeries and I would have had to get a second job to pay for them. Healthy Paws never hesitated with my claims and even called to check on me after her surgeries. It gives me unbelievable peace of mind to know Zip is covered and cared for both financially and emotionally.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Pam - Glad we can keep you from having to find a second job to take care of Zip:) Can't thank you enough for all of your kind words regarding our customer service. Give your babies big hugs from us!
Hal G

5/29/2019
Healthy Paws has a great claims process, online & easy to use, very responsive. They've help us get through two TPLOs. We highly recommend.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Hal - Sorry your pup had to have those major leg surgeries. We appreciate all of your kind words. Give your baby a big hug from us!
M
Mary

5/29/2019
I would NOT recommend this insurance. Requested information for my pets injury was provided. Yet they kept requesting all her medical records from over 2 years. She tore a ligament, and needed surgery, all that information was provided even her initial exam after her adoption but that was not enough. This insurance closed the case made no payment. This was the first claim I filed in the 2+ years I have had her. I will be moving to different coverage. Worthless coverage. Very unsatisfied customer.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Mary - We're sorry your baby had to have that leg surgery and appreciate your efforts in regards to your pet's medical records. All claim decisions are based off of your pet’s medical records and the signs/symptoms that are noted in those records. Most pet insurance companies including Healthy Paws use a pet's medical records to determine if there are any pre-existing conditions which would keep us from approving a claim. Since we only had the most recent medical records for you pet, we could not process your claims. One of our Customer Liaison Managers reached out to your veterinary hospital on your behalf and was able to get the needed records. As of 5/30, all of your claims have been processed based on the reimbursement level and deductible you chose at enrollment. We hope your baby makes a quick recovery from their surgery!
Sonja T

5/28/2019
My 7 month old puppy needed surgery and HealthyPaws was there throughout the process. They quickly processed my claim and reimbursed me. They even followed up afterwards to see how my puppy was doing! I am very thankful for choosing HealthyPaws and would absolutely recommend them!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sonja - We're sorry your pup had to surgery, but glad we could be there to help. Thanks for the kind words regarding our claims processing and customer care. Give your baby a big hug from us.
luke.a.kopec

5/28/2019
Wonderful to work with. My only regret was that I didn't sign up earlier when my puppy had to go to the hospital. If you love your pet, you should join!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
luke.a.kopec - Thanks for your review. Give your pup a big hug from us!
Rebecca W

5/28/2019
We highly recommend HealthyPaws. They are responsive via email and phone. Best of all they follow through on the terms of contract. We just had a huge vet bill ($$$) from major surgery on our dog, who ate a corn on the cob which got stuck in her small intestines. HealthyPaws came through and honored our contract. Very pleased with HealthyPaws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Rebecca - We're sorry your girl had to have that major foreign body surgery. We appreciate your kind words in regards to our responsive customer care team. We hope your girl continues to do well in her recovery.
J
Jane O

5/26/2019
Love these people. If you are looking for pet insurance... this this the one you want.... They even follow up on how your dog is doing after they help you pay the bill. Did not expect that AT all. This company amazed me... thank you again... Healthy Paws. Jane Olson Spokane , Wa

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jane - We appreciate all of your kind words. Give your baby a big hug from us!
Mallory M

5/24/2019
There have been no surprises with Healthy Paws. They keep you in the loop on the status of your claim, every step of the way. You're able to submit & forget - focus on your pet's health and then a check arrives in the mail! I am SO glad I signed our Bella up for Healthy Paws and I would do it over and over again in the future! Thank you Healthy Paws!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Mallory - We're glad we can be there for you and Bella! Thanks for the kind words regarding of claims process and client follow up. Give Bella another big hug from us!
E
Elizabeth

5/23/2019
Recently, our dog, Roxy, had to undergo an unanticipated surgery. While our concern and focus was on her recovery and rehabilitation, the team at Healthy Paws quickly reviewed our claims and kept in contact regarding her well being. It has been a relief to work with people who are friendly, responsive and compassionate to our family member. I am thankful we choose Healthy Paws as our partners in Roxy’s healthcare and would recommend them to anyone in need of pet insurance. Amazing team!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Elizabeth - We're sorry Roxy had to have surgery, but glad we could be there to help relieve some of the financial stress. We appreciate all of your kind words about claims process and customer care team. Give Roxy a big hug from us!
Tom B

5/23/2019
Fast service, great communication. First time I needed to use after 4 years of having the insurance and was very pleased.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tom - Thanks for your kind words. Give your babies big hugs 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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