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Healthy Paws Pet Insurance Review

3,227 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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3227 Customer Comments & Reviews

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Janette B

8/13/2020
I have paid for insurance on my 2 cats for about 7 months. They were both neutered when I adopted them as 5-6 month old kittens. I took one of my cats to his veterinarian in July and submitted documents to the company. They emailed me about a week later wanting “ALL” his medical records which I sent. Another week and they again ask me for his records. I called the company and spoke with a nice man who said he’d make a note that the records I sent were all I or the doctor had. He had only been to the doctor for one problem and that was the only time he’d been to the vet since I adopted him. Another week goes by and I get another email asking the same thing. I call and speak with a woman... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Janette - We are very sorry that your recent customer service did not meet yours or our expectations and completely understand your frustration. We appreciate your efforts to get the needed medical records to process your claim. Your claim has been processed and you should receive your Explanation of Benefits in the next 24-48 hours. Give your kitties big hugs for us.
L
Lauren

8/13/2020
When we brought our baby pug home five years ago, we researched pet insurance plans and decided on Healthy Paws. It was the second best decision of our lives (the first being our pup). Our precious pup has had many health crises over the years and Healthy Paws has been with us every step of the way. They have resolved every claim and shown nothing but extreme care and dedication to keeping our pup healthy and safe. They follow up with her recovery with personalized notes. When we brought our second fur baby home, we were offered a reduced rate at another company. We would never consider any other insurance. For us, when it comes to the care of our pups, there will only ever be the... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lauren - We couldn't agree more that having Healthy Paws pet insurance is one of the best decisions a pet parent can make when bringing home a new pet. Puppies can be very destructive, and curious which is why having pet insurance for those unexpected tummy issues and possible obstructions is always a good idea. Thank you for the kind words regarding Healthy Paws and your experiences over the last 5 years. We are so pleased you have been so happy with your Healthy Paws coverage and service. Please give your pups big hugs from us!
efreber

8/13/2020
I wish every company was as customer-focused as Healthy Paws. They are the gold standard and absolutely amazing! My dog has been very expensive throughout his life. Emergencies, surgeries, specialists, tests, medications-- for the past 9 years, Healthy Paws has always covered all of it and very quickly I might add. It is wonderful to know that I'm able to provide my dog with the best care without having to worry about being completely broke and paying off the debt for years to come (been there, done that). They aren't like other insurance where they have all these loopholes and asterisks regarding what they will and won't cover. They don't cover the exam portion of the bill, but... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
efreber - Thank you so much for all the kind words. We love hearing from our longtime pet parents so thank you so much for taking the time to share your story and sing our praises. We are so happy that Healthy Paws has been able to provide you and your pup with the best comprehensive coverage available. Hopefully, we can continue to provide you and your pup with excellent coverage and gold standard service for many years to come. Please give your pup a big hug from us!
Jackie S

8/13/2020
I've been using HealthyPaws for years and they've always been great. Super responsive and quick at getting reimbursements over. The plan is easy to understand, and the detailed breakdown they send whenever a claim is processed is really beneficial. On top of that, when my pet has been sick they've sent personalized reach out to check on him and make sure he's okay (without it affecting my bills). I cannot recommend them highly enough.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jackie - Thank you for the kind words and for taking the time to post your review. We are so happy that you have been so pleased with your coverage over the years and we look forward to protecting your pet for many years to come. Please give your sweet fur baby a big hug from us!
J
Jan S

8/13/2020
I had never owned a dog before, but 5 years ago I decided to adopt, NORI, a dog from my local shelter. A friend suggested that I get pet insurance and recommended Healthy Paws. It was the best decision I could have made! In June 2020, I noticed a cancerous tumor growing on Nori's left nipple. It was a sarcoma so we decided to perform surgery to remove it immediately. Because of the aggressive nature of NORI's cancer, it was recommended that we see an oncologist after surgery. NORI is doing well, but she sees the doctor for blood work once a week and has chemotherapy treatments every 3 weeks. As you can imagine, the vet bills would have piled up if I was not insured by Healthy Paws.... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jan - We are so sorry to hear that sweet Nori has had to deal with all of this, poor girl. Hopefully, with the continued treatments, she will live a long and happy life. Thank you so much for the kind words regarding our excellent customer service and fast reimbursements. We'd also like to thank you for taking the time to share your story about Nori and your experiences with Healthy Paws. Please give Nori more big hugs from us!
larissabatrakova

8/12/2020
I love healthy paws insurance! These guys are awesome! They helped me and my corgi puppy a lot. So, I strongly recommend you to sign up for Healthy Paws and be confident that any emergency situation will be covered. Always friendly and helpful.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Larissa - Thank you so much for all the kind words, and for taking the time to post your review. We are so happy to hear that having Healthy Paws brings you peace of mind and reassurance that if anything ever happened to your pup Healthy Paws has you covered. Please give your sweet Corgi a big hug from us!
M
michele c

8/10/2020
Healthy Paws has been a wonderful choice for our family. Claims are paid promptly and accurately. Healthy paws has helped us get much needed medical care for our furry family member with little concern for the cost, just concern for our sweet doggie.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Michelle - We are so happy to hear that you have been so pleased with your Healthy Paws coverage. Thank you for the kind words regarding Healthy Paws super-efficient claims process and please give your fur baby a big hug from us!
hwvlcj

8/10/2020
Having had dogs since 1986 we decided to investigate pet insurance for the first time when we adopted two new puppies early this year. We looked at the four leading companies and HealthyPaws best fit our needs and had the highest customer satisfaction. Unfortunately one of our pups had to have bilateral knee surgery at ten months. Our choice of HealthyPaws proved to be the correct one. The claim was filed online, they requested one additional document which the vet emailed to us, we added the additional information online and the claim was approved. All in twenty four hours. We have the $100 yearly deductible and 70% reimbursement policy for $25/month/dog (YorkiPoo).

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
hwvlcg - Thanks for being part of the Healthy Paws family. We're sorry that your YorkiPoo had to have that major leg surgery, but glad we could be there to help. Give your babies big hugs from us.
L
LB

8/10/2020
Great service when you need them most! Dealing with a stressful health emergency for our pet was not easy and knowing we were able to count on Healthy Paws was a huge relief!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
LB - We're happy to be there when you need us and to help relieve the financial stress of that emergency. Give your baby a hug from us.
C
Carla

8/9/2020
Heathy Paws has had great customer service and has been clear and helpful in ensuring my dogs cancer treatments were covered. If I hadn’t had insurance I would not have been able to afford the year of treatment she required. I’m so grateful to have had that final year with her thanks to the insurance and despite it being a stressful and scary time Healthy Paws made it much more manageable and the process to file claims was quick and easy.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Carla - We're glad we could play a part in making sure your baby had access to the best available medical care. We appreciate all of your kind words. We're so sorry for your loss and have you in our thoughts.
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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