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Healthy Paws Pet Insurance Review

3,224 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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3224 Customer Comments & Reviews

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mikescola

7/27/2023
Excellent coverage. Submitting a claim was easy and they got us a check fast. I'm happy to have them and will continue!

annpag

7/23/2023
The Healthy Paws claim process was so easy - it took only minutes. I received a response in less than 24 hours. My claim processor showed compassion and care during a difficult time. I can't say enough about Healthy Paws. I'm so glad I chose them!

J
Jody G

7/17/2023
I have had Healthy Paws Insurance for my dogs for about the last 10 years. In the beginning they were great. My dog recently needed surgery so I contacted them to see what they would cover from my estimate and they refused to give me any answers and flat out wouldn't help me. I wasn't asking for price coverage guarantees just the items on the list that they would cover or didn't cover. Once the surgery was done I submitted my claim and it took weeks for reimbursement. I finally called them. They never used to be this slow and their customer service used to be fabulous. In addition, I just got a new puppy over the weekend. I tried logging on to add my new pet and got a message saying that I... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jody - We appreciate your kind words and sorry your baby needed surgery. Pre-approvals for claims are not permitted as claims are processed on a reimbursement basis. Without receiving and reviewing all pertinent medical records for this issue, we cannot assure coverage with 100% certainty. We're sorry that it took 13 days versus the normal 2-10 business days to process your claim. Sometimes we are not able to meet that expectation. We can assure you that our Claims Adjusters work to review your claim as soon as they are able. As our customer care team member covered in their call with you, your current policy is issued with a coverage form that was previously approved by your state insurance regulator, and we are unable to enroll new pets on this previously approved policy. When enrolling a new pet they will be insured under a new policy that has been approved by your state’s insurance regulator. To create a new account you will need to enroll using an email address that is different from the one we currently have on file.
thesilentshouteronthehill

7/16/2023
First claim we've submitted in over seven years and the process has been a nightmare. We're going three weeks since we first submitted our claim with Healthy Paws continually requesting more and more information. The latest request is for records of all previous vet visits, even though they have nothing to do with the claim - i.e., our dog went in for a sting on her foot and they want records from her teeth cleaning last year. Ridiculous.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
thesilentshouteronthehill - We’re sorry for any issue with your recent claim. As per the policy we do require medical records for all enrolled pets in order to process claims. Once full records are received (typically we ask for them when you file your first few claims) we will keep them on file for future claims processing and you will never have to submit full records again. In the future, if we do need clarification for a specific claim, we may simply request the date of service exam notes for that visit. Unfortunately, we cannot find you in our system using the limited information in your review. If you would update the review with your Healthy Paws policy number, we can have one of our Customer Liaison Managers review you account and provide assistance. Rest assured, providing your policy number will in no way compromise your account or any personal identifiable information.
scoxharris

7/16/2023
The attentiveness and concern Healthy Paws has shown us during Lennox’s surgery warms my heart. Lennox had his bandage removed yesterday so he is not walking on the leg. He isn’t sure of himself. What would I have done without Healthy Paws? I certainly wouldn’t have been able to pay for this. Lennox had stopped running and playing altogether. Thank you SO much for checking on him. I love you guys.

Q
Qi H

7/14/2023
We sincerely appreciate your swift and thorough response to Hero's situation. Your dedication to providing excellent service and care for our furry family member is truly commendable. Being a Healthypaws member has been a delightful experience for us, and we are grateful for the peace of mind it brings knowing that Hero's well-being is protected. Your commitment to our pet's health and your exceptional customer service have exceeded our expectations. Thank you once again for your unwavering support and for making us feel valued as members of the Healthypaws community.

toorandyus69

7/9/2023
Exceedingly pleased with our experience! Previous pet insurance companies have left confused and disappointed with our coverage and customer service interactions. Healthy Paws communication was very clear and caring. We truly appreciate the ease and promptness of making a claim and the reimbursement!

Stu J

6/25/2023
Healthy Paws hasn't reimbursed my insurance claims. I'd recommend going with another insurance company.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Stu - We're sorry for any confusion or frustration during the processing of your claims. Your claims were denied due to missing information. Per your plan documents, we do require medical records for all enrolled pets in order to process claims. Once full records are received (typically we ask for them when you file your first few claims) we will keep them on file for future claims processing and you will never have to submit full records again. In the future, if we do need clarification for a specific claim, we may simply request the date of service exam notes for that visit. We are still in need of detailed examination notes from your pet's veterinarians. We have only received some notes and what are called line item records (these do not note much information with regard to the visits). We had previously requested the records from the clinic and have not received any of the needed documentation. Our team sent another request today on your behalf. Once these records are received, we can gladly open the claims up again for review.
T
Travis H

6/13/2023
I’ve had nothing but positive experiences with Healthy Paws. I’ve, unfortunately, had to submit a few large claims due to emergencies, and the reimbursements were direct deposited to my bank account within just a few days. They even emailed to check in on our kitties. The app makes it very easy to submit your paperwork, and customer service has always been quick to respond. Highly recommend.

Renee M

6/12/2023
The best pet insurance that there is, highly recommend to all. My two pups have been on the plan for over 7 years, and we couldn't be happier.

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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