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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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Christa S

7/8/2020
Thanks to Healthy Paws for helping me with the insurance claims after my dog, Rose, got dangerously ill with a sudden allergic reaction and GI issue. Rose’s medical care was excellent, but very expensive. This was a very stressful time, and the financial side of things was an added stressor. I had to submit all the medical records with the insurance claims, but it was worth it. Getting reimbursed for a big chunk of the expense through Healthy Paws really saved me! I am so glad to have this insurance!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Christa - We're sorry that Rose was so ill, but glad she is doing better. We're glad we could relieve some of the financial stress when she was ill. Give her a big hug for us.
A
andrea

7/8/2020
I truly believe that getting Healthy Paws Pet Insurance was one of the wisest decisions that we as a family have ever made. You hope to never use it... but if you need to... you know that it is there and that your pet no matter what the cost is is going to be taken care of. Knowing that allows us to sleep a whole lot better at night. Healthy Paws has been so incredibly kind to us and oh so caring. They even check up to see how your pet is doing. I am speaking from the heart... you will never regret getting this care for your pets. We all know that money runs tight many times in our lives... having this insurance will make sure there is always funds to have things taken care of.... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Andrea - We can't thank you enough for the time you took to write your review. We're so happy we can play a part on making sure your babies have access to the best available medical care. We're glad we could relieve some of the financial stress during the difficult time everyone is going through. Give your babies big hugs from us.
S
Suzy F

7/7/2020
Very positive experience with Healthy Paws. Was referred to them by my neighbor, who also has had a need to use them (ACL surgery on her pup). Completing information and sending invoices was easy, and when it wasn't, Healthy Paws reached out to the Animal hospital and dealt with them directly. Prior to my dog's emergency visit and surgery, I had a fleeting thought of shopping around for another insurance provider, since my premium has increased, but after this experience - never! From the customer service reps that handled my calls during such a difficult time, to the immediacy of receiving my reimbursements, I could not be happier.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Suzy - Thank you for the kind words about our customer service, efficient claims and reimbursement process. We hope your baby is doing well after their surgery.
W
Wanda V

7/6/2020
I purchase this insurance for my dog a few years back. With all that is happening with the COVID-19, I considered cancelling but I am extremely thankful I did not. My pet woke up limping, I took her to the vet and she said sometimes it happens. But with further testing, she needed a knee surgery. Healthy paws not only did what they said they would, they made the process VERY easy. THEY REALLY CARE. No hassle and no fighting for reimbursements. It took them under 10 days to approve and reimburse for surgery. This is by far the best decision I made for my loved pet.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Wanda - We're glad we could be there to help with that major leg surgery. We appreciate all of you kind words about our reimbursement process. We hope your pup makes a complete recovery.
1331alex

7/5/2020
Quick claim processing. Covers all as stated in Olán. Have never had issues!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
1331alex - thanks for the kind words. Give your baby a hug for us.
L
Laura B

7/3/2020
Our 5 year old Boston Terrier Frankie was unable to walk and diagnosed with a ruptured disk. Frankie needed spinal surgery and Healthy Paws was with us every step of the way with total support and superior customer service. The costs were high and Healthy Paws sent us a check immediately. We cannot say enough about this company's commitment to their pet clients! Wonderful app is easy to use too. Thank you Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Laura - We're so sorry that Frankie had to have that major back surgery. We appreciate your kind words about our customer service and easy to use phone app. Big hugs to Frankie and we hope her recovery is uneventful.
Whitney S

7/1/2020
Healthy Paws was a godsend. Our cat had to have a 5k surgery because he ate a bunch of hair ties. We got healthy paws pet insurance after that. Then our cat ate a toy causing bowel obstruction again, which meant we needed surgery yet again. Surgery was 5k again but Healthy Paws paid out $3,697. Healthy Paws made it easy to send medical records to and we got our claim processed succeessfully in only a few days. They are extremely responsive and professional.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Whitney - So happy we could be there to help with that major tummy surgery. We appreciate the kind words regarding our customer service and claims processing. Give your kitty a squeeze from us.
aemrutherford

6/29/2020
When we brought our dog home 2.5 years ago, I wasn't convinced we needed pet insurance. It didn't cover preventative care and for the first 2 years, we didn't even meet our deductible. But then, year 3 hit, and over the course of 2 months we received progressively worse diagnoses after our bernedoodle began experiencing a limp. Over the course of 2 months, we went through imaging, bone biopsies, genetic testing, a rear leg amputation, and started chemo. We're over $18k into the journey to try to get another 2-4 years with our pup, and I couldn't be more grateful that we invested in Healthy Paws from the beginning, so that we didn't have to question any decisions we needed to make now,... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
aemrutherford - We're so sorry that your baby has had to go through all of that. Glad we can play a part in making sure your pup has access to the best available medical care. Thanks for all of your kind words about our policy and claims processing. Give your buddy a big hug from all os us.
R
ritu.bordia

6/26/2020
Very simple reimbursement process. No questions asked as long as the criteria are met, even if the amount is large. The customer service agents are always polite and attentive.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Ritu - we appreciate the kind words about our customer care team and reimbursement process. Give your baby a hug from us.
Johanna O

6/25/2020
Very poor actual coverage. Deductible procedures are deceptive. It is extremely difficult to contact a representative. So called customer service reps are sub contracted and work from. Home (pre pandemic) after multiple attempts to speak to a rep, I finally got through to someone. I couldn't hear anything she was saying because her kids were making so much noise. I don't know how thia company get a good reviews. I think their business practices are deceptive. The company is a website with gig workers

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Johanna - We're sorry that you were not satisfied with our customer service and your policy coverage. The majority of our customer care team usually works out of our WA state office (pre-pandemic). We do have other employees that do work out of their home. We're glad that even with the issues during your call our customer care team member was able to resolve your issues. We also do our best to inform our clients on how our reimbursement calculations work. We include this information (including examples) on our website within our "Frequent Asked Questions" page. 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 a number of other pet insurance companies that use this same method for calculating reimbursements. As with any policy with a deductible, the deductible has to be met before any claim reimbursement. Give your babies big hugs for 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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