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Healthy Paws Pet Insurance Review

3,223 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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3223 Customer Comments & Reviews

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predatorbao

1/24/2019
My 5-month-old GSD puppy had a critically serious viral pneumonia, because of which my puppy almost died. My boy had to rely on the ventilator for nearly two weeks to survive, which cost over ten thousand dollars per day and I had to pay for the treatment daily. The policy of healthy paws insurance is the greatest, as, in my case, they were able to make the direct payment to the veterinary everyday so that I only had to pay the balance after the coverage. There were still a couple thousands to pay daily, but what healthy paws did truly meant a lot. Healthy paws helped me out of there and literally saved my GSD puppy. I'm sincerely grateful to healthy paws for the timely help!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Predatorbao - We're sorry your pup had such serious pneumonia issues and had to be hospitalized for so long. We're glad he's doing better and happy to help by making those direct payments to the hospital giving him care. Give your boy big hugs from us!
R
Rachel M

1/24/2019
We’ve been beyond impressed with Healthy Paws. After reviewing all pet insurance options, it was clear to us that this is the absolute best. We’ve never had an issue with a claim and reimbursement is very quick. As with anything, read the fine print. I’d recommend them to anyone...you will not be disappointed!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Rachel - We appreciate your kind words and recommendation. Give your pups big hugs from us!
Kat R

1/24/2019
Many people tried to talk me out of pet insurance when I adopted my dog. I was told it was a scam, that they didn't cover anything, and that as my dog aged, the premium would skyrocket. However, a few good friends told me about Healthy Paws and said they had wonderful experiences with them. After doing my research (including a rather lengthy call grilling a Healthy Paws rep on what they do/do not cover) I took the leap. I figured paying $45/mo would be like a savings plan for that inevitable day I needed a 5k procedure. I hoped that day would be many years off. Jump forward to the one year anniversary of adopting my 8 year old dog. He's rushed to the vet, who sends us to an ER, who sends... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kat - Many thanks for taking time our of your day to write your comprehensive review. As you stated in your review, we'll never penalize a client with higher rates for making claims. We're happy the you and Louie are part of the Healthy Paws family. Give Louie a big hug for us!
E
Erika P

1/24/2019
My dog is thankfully healthy but recently had a accident that required a pretty serious surgery. He is family so we would have done whatever it takes to get him well but without Healthy Paws the financial burden would have been great. His insurance plan is worth every penny! They processed the claim without delay. We received reimbursement less than 2 weeks after his surgery AND they checked in to see how his recovery is going. Wonderful customer service, I wish human health insurance worked this great! I am thankful I chose Healthy Paws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Erika - Our customer care team appreciates all of your kind words. We're glad your boy is doing well after that surgery and that we could help relieve some of your financial stress. Give him a big hug from us!
Rebecca G

1/23/2019
We are very grateful for how fast Healthy Paws has been with reimbursing the costs of our dogs treatment and ongoing medication for a condition I had never even imagined as a possibility. Epilepsy/seizures was such a scary and unexpected diagnosis for us but finding great medical care and having pet insurance has made a huge difference in working to manage his care and ease our fears over this diagnosis.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Rebecca - We're sorry your buddy has to deal with epilepsy/seizures and glad we can be there to help with his ongoing care. We appreciate your kind words. Give your boy a big hug from us.
S
Sarah B

1/23/2019
This company is excellent. They processed our claim quickly and even followed up to find out how our dog was doing. The claim was for surgery and was over $5,000. They were clear, patient and helpful during a very stressful time.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sarah - We appreciate your kind words. Glad we could help with your pet's expensive surgery. We hope your dog is doing will in their recovery!
Stephanie K

1/23/2019
I can't even began to thank Healthy Paws. Our dog is here with us today thanks to them. It's been a blessing to have this insurance from the beginning and I highly recommend every pet owner to have it. Healthy Paws thank you for always being there for us and for checking on our fur baby to see how he is doing.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Stephanie - We appreciate all of your kind words. We're glad we could play a part in assuring your fur baby has access to the best available medical care. Give your pup a big hug from us!
M
Maddy M

1/22/2019
My cat ate a sewing needle and had to have surgery on her intestines to remove the needle. I submitted my claims to healthy paws, which was reviewed within a couple days and I recieved the money in my bank account about a week later via direct deposit. The healthy paws customer service people even was able to request my vet records from my vet directly. I interacted with the customer service team at Healthy Paws twice during this expierence and was very pleased with how everyone was so helpful and thoughtful during this scary time. I was very emotional when I first called since my cat was still in surgery and the customer service agent was so compassionate. She was even able to reach... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Maddy - Thanks for all of your kind words regarding our team and claims process. Having your kitty swallow a sewing needle is scary indeed! We're happy we could help in getting the necessary medical records from your veterinarian. Give your kitty a big hug from us!
B
Bentley C

1/22/2019
As an Iraqi vet my cat O'Reilly is my battle buddy in transitioning to civilian life. He has saved me and Healthy Paws allowed me to save him. After conducting research into pet insurance carriers I found Healthy Paws to be superlative. They have certainly demonstrated to be. Claims were filed over the phone app and were approved within 2 days of submission. Healthy Paws has delivered time in and time again not only through O'Reilly's urinary issues but when I became concerned he may have ingested a foreign body. O'Reilly initially got blocked for which a urinary catheter was placed but shortly thereafter had urinary issues again. After taking him to the vet three times... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Bentley - Thanks you for taking time out of your day to write your review. We're sorry that O'Reilly was having such serious urinary tract issues and that his surgery was a success. We sincerely appreciate your service and your "battle Buddy" is there for you. Give Bentley and O'Reilly big hugs for us!
Michele V

1/22/2019
My Bandit had to have TPLO knee surgery. It was a “routine” surgery however very costly! It was so comforting to have peace of mind knowing that the surgery was covered and my portion would be affordable. The claims process was quick. I received reimbursement for the preliminary expenses (diagnosis and initial visit with the surgeon) before he even had surgery. They even approved to pay the specialist directly so I didn’t have to worry about coming up with the money and being reimbursed. I’m so thankful for their team. Everyone involved was sympathetic and made this stressful event a little less painful! They even contacted me to follow up and see how he was doing! Great customer... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Michele - Glad we could be there to help with Bandit's major knee surgery. So happy we could reduce your financial stress by providing a direct pay to your specialist for the surgery. We appreciate all of your kind words and hope Bandit's recovery is smooth and uneventful!
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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