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Healthy Paws Pet Insurance Review

3,357 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 Do We Rate Healthy Paws?

Breakdown

4.5/5
Coverage
5.0/5
Cost
5.0/5
Extras

Our Overall Rating: 4.8 / 5 (Excellent)

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 - 4.5 / 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 / 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 - 5 / 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 - 5 / 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 - 5 / 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 - 5 / 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 - 5 / 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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3357 Customer Comments & Reviews

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lisabethfabio

4/6/2021
After losing my two dogs within 5 months of each other I often wondered what more I could have done for them with the financial ability to do so. When I got a new puppy and she had a tendency to put everything she saw in her mouth I thought I would make an investment and get insurance. After looking at many different companies and plans I went with Healthy Paws. The ability for me to choose my payback percentage and deductible and customize my plan was a huge draw. The phone app is a godsend. The moment I get an invoice I just take a photo on the app and let it get processed! Unfortunately at just two years old my little girl was diagnosed with a pretty bad autoimmune disease. heathy paws... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lisabeth - We're sorry your girl is having to deal with that autoimmune disease, but glad we can be there to help. Thanks for all of the kind words regarding our phone app and plan coverage. Give your baby a big hug from us.
G
Gerri

4/3/2021
BEWARE OF HEALTHY PAWS I have had Healthy Paws for a year now and I'm currently searching for another pet insurance company. I'm shocked no one has complained about them because they have treated my pet horribly. First off, when I first spoke to them on the phone a year ago about insuring my small 3 year old mix dog, they said they cover exam fees if the exam is diagnostic and leads to treatment. They also told me they need proof that she is healthy with no preexisting condition. My dog hadn't seen a vet in over a year so I decided to pay $70 to have a vet perform a nose to tail examination, He wrote them a letter and sent in his documents stating she was in perfect health.... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Gerri, We're sorry that your baby injured her paw. We do our best to be transparent throughout our website, during the enrollment process and in the policy documents available to each client in their online Healthy Paws account regarding the limited exclusions of our policy. Those exclusions are pre-existing conditions, preventative/routine care and the office visit fee (veterinary exam fee). By making the office visit fee (vet exam, emergency exam, recheck or consultation) part of the pet parent's financial responsibility, it allows us to offer a complete accident and illness plan at an affordable monthly premium. Our policyholders value comprehensive accident/illness coverage and unlimited benefits at reasonable rates, which is why they choose to assume the responsibility of paying for those costs. Your policy documents and our website outline the need for medical records. All claim decisions are based off of your pet’s medical records and the signs/symptoms that are noted by your veterinarian. We use a pet's medical records and notes written by the attending veterinarian to determine if there are any pre-existing conditions which would keep us from approving a claim. Anyone visiting our website can see information regarding policy exclusions and medical record requirements on our “Benefits, Coverage and Exclusions” or "Frequently Asked Questions" page. Give your girl a big hug from us.
kayley.seder

3/31/2021
Great service. Not expensive, and no hassle to submit claims. Really helpful customer service, too.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kayley - We appreciate your kind words regarding our customer service and efficient claims processing. Give your baby a big hug from us.
C
Connie31415

3/29/2021
Healthy Paws has lived up to all my expectations and more. Our poodle-mix rescue was a healthy one-year-old when we got her. She's eight now and Healthy Paws has helped us keep her going. She's had major dental work ($3600), two pancreatic attack incidents, several injuries, and ongoing allergy medications. Healthy Paws reimburses us promptly and sends messages asking how she is doing. Whenever we need Veterinary services, we do not hesitate to get our dog the care she needs. This insurance gives us great peace of mind.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Connie - Thanks for being part of the Healthy Paws family for the past eight years. We're glad we can continue to play a part in making sure your girl has access to the best available medical care and reduce some of the financial strain. Give your girl a big hug from us.
makeupbycc

3/29/2021
We can't say enough good things about Healthy Paws. Putting in a claim is super easy with your phone and they reimburse you very quickly. Our very athletic shitzu terrier mix Lola just blew out her ACL and required TPLO surgery. This was her second time. The first one was 4 years ago on her right and this time on the left. Not an inexpensive procedure. Thank goodness for Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
makeupbycc - We're sorry that Lola had to have another major leg surgery and hope she continues to do well in her recovery. We appreciate the kind words regarding our phone app and efficient reimbursement process. Give your girl a big hug from us.
Kerry R

3/29/2021
I got this for my lab when we got her as a 7 year old. She now is 8 and is undergoing chemo after a large surgery. Healthy Paws covered everything they said they would. I upload my receipt and get paid with days! One time is was the next day! Customer service is top notch. I couldn’t have gotten my dog treatment if u didn’t have healthy paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kerry - We're sorry your girl has got to go through chemo treatments, but hope she is doing well. Appreciate all of the kind words about our customer service and efficient reimbursement process. Give your baby a big hug from us.
R
Rhonda T

3/29/2021
Our dog Tofu recently underwent surgery for an intestinal obstruction. His recovery was complicated and we were very worried about him pulling through. The stress of taking care of Tofu was difficult enough; at least we didn't have to worry about the high medical expenses thanks to the excellent coverage we have through Healthy Paws. Healthy Paws Pet Insurance covered everything they promise to cover with no questions asked and with a quick turn around time. I would highly recommend everyone who loves their pet to take out a Healthy Paws insurance for peace of mind. The last thing you want to worry about while carrying for your sick pet is how you're going to cover the bills!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Rhonda - We're sorry Tofu had to have that major abdominal surgery. Glad we could alleviate some of the financial stress so you could concentrate on his recovery. Thanks for the kind words in regards to our plan coverage. Give Tofu a big hug from us.
L
Lauren S

3/26/2021
I cannot say enough about how wonderful our Healthy Paws Family is! We absolutely love this company, the customer service is second to none. They are amazing at processing claims quickly and efficiently. They also follow up through email to make sure our baby is ok after we have filed a claim and truly care about their clients! The rates are affordable with different plan offerings and the reimbursement is great!! You will not regret covering your fur babies with Healthy Paws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lauren - Thanks for all the love you're sending our way! We appreciate your kind words regarding our customer service and efficient claims processing. Give your baby a big hug from us.
D
Daniel P

3/26/2021
We've had Healthy Paws policies for our pets for 6 years now, and we are very happy with the level of service they have provided us over the years. When adding a pet, they are very thorough, but it's necessary and has the added bonus of making sure we have records of our pet's histories, which we like to keep track of anyway. The younger the pet, the easier it is to enroll! Once enrolled, though, upkeep is very simple. I just take pictures of all my pet's invoices/labs and submit a claim on my phone, no writeup required. We recently experienced our first incident where we went beyond our deductible due to our cat being hospitalized for a week. Luckily, he came out of it like a champ.... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Daniel - Thank you for taking time to write your review. We truly appreciate you being part of the Healthy Paws family for the past six years. Thanks for the kind words regarding our easy to use phone app, customer service and efficient claims processing. Give your babies big hugs from us.
Isabel R

3/25/2021
Healthy Paws delivers & trully cares for your animals. I highly recomend it. Our puppy Pomeranian broke his leg & since he is out first pet I didn't even know you can buy pet insurance so inexpensively. After his 5K surgery & after care I was determine to find quality pet insurance just in case something like that was to happen in the future. Sure enough couple of months later our dog was diagnosed with hereditary hip disease & needed FHO surgery. I was so relieved Healthy Paw took care of almost whole amount after $250 deductible. It was my best decision ever. They even contacted me to find out his progress after surgery. Can't thank them enough💗

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Isabel - We're glad we can play a part in making sure your baby has access to the best available medical care. We're sorry he had to have hip surgery, but glad we could be there to help. We appreciate the kind words regarding our customer service. We hope your boy's recovery goes well.
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✅ Trusted by More than 620,000 Pet Parents

  • Reimburses Up to 90% of Covered Claims
  • No Max Annual or Lifetime Payouts
  • Backed by Chubb - a Trusted Name in Insurance
  • Covers Accidents, Illness, Hereditary Conditions & More
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