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Healthy Paws Pet Insurance Review

3,226 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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3226 Customer Comments & Reviews

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cloverluckyz

4/9/2020
They came through to help me with 90% coverage when my cat swallowed a toy. And are sending a check to cover her expenses very quickly, even during this difficult coronavirus time. Thanks Healthypaws.com

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
cloverluckyz - We are sorry to hear about your cat's recent foreign object removal procedure and hope it is doing much better. Thank you for the kind words and stay healthy!
A
Amy T

4/9/2020
Healthy Paws is an amazing company. They treat me and my dog as if they know us personally!!! The submission process if very simple which makes a stressful situation a little less stressful. During a tense time, they send the nicest email just stating they are here for us! It makes a world of a difference having the security of Healthy Paws. Not only financially but knowing they are there for emotional support as well! I can’t say enough about this company! They have a customer for life.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Amy - Thank you for the kind words regarding our easy claims process and friendly customer service. We are so happy to hear you have been so pleased with your Healthy Paws policy and look forward to providing you and your dog unparalleled service fo many years to come. Please give your pup a big hug from us!
K
Kathy C

4/9/2020
We've had healthy paws insurance for Winston for 4 years, since he was a puppy. Well it really came in handy a couple of weeks ago. At almost midnight on a Saturday night, we realized that Winston was in distress. We arrived at the emergency vet at 1am. The vet started immediate treatment. Winston stayed the night and part of the next day. When I picked him up the bill was shocking. The receptionist offered to handle sending all the necessary medical documents to Healthy Paws for me, I didn't have to do a thing . Within just a couple of days I received payment from Healthy Paws! I couldn't't believe how fast and easy the process was to get reimbursed. Additionally, we received... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kathy - We are so sorry to hear about Winston's major emergency and hope that he is doing much better now. Having a sick pet is very scary and stressful which is why having pet insurance is so important. We are glad to know that you were able to give Winston the very best medical care when he needed it the most. Thank you so much for all the kind words and please give Winston another big hug from us!
Evelyn D

4/9/2020
My 3 year old pug became lethargic and had a lack of appetite. I immediately took him to my vet for xrays, bloodwork and a barium test. His liver enzymes were off the charts. 24 hours later, I was at the University of Illinois Veterinarian School where he was placed in intensive care for 7 days after having his gall bladder removed. Thank goodness for Healthy Paws Insurance, the estimate of $6,500 was no reason to pause and have to consider putting Hank down at 3yrs old. Within 2wks I had a reimbursement check in my mailbox for $4,900. I pay $175/mo to insure all 3 of my pugs, it's worth every penny.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Evelyn - We are so sorry to hear about your pugs' recent illness and intensive hospitalization. We understand how scary it is when a furbaby is sick or injured. however, having pet insurance can greatly lessen the burden because it gives pet parents the ability to do what is best for their pet, rather than doing only what they can afford. Thank you for the kind words and for sharing your story. Please give all of your pugs more hugs from us!
lauriapage105

4/9/2020
We've had Healthy Paws insurance for a couple years, but gladly haven't had to use it until now. We were so lucky to have Healthy Paws help us through an unexpected emergency surgery for our cat. They've been courteous, responsive, and even sent a sweet card in the mail. This company goes above and beyond for you and your pets.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
lauriapage105 - Thank you fo the kind words and for taking the time to post your review. We are sorry to hear about your cat's unexpected emergency and hope it is doing better now. Please give your kitty a big hug from us!
K
Katrina D

4/9/2020
My dog has been insured with healthy paws for 9+ years. Over the years all my written, phone, and internet communication with Healthy Paws has exceeded my expectations. They have been not only quick to respond but take their time and answer all my questions. I did not have insurance on my previous dog and not only did I have to deal with her health issues but the regular and emergency vet bills only added to my anxiety when she became ill. Having had that experience I can only say that having my beloved dog insured with Healthy Paws has allowed to focus on my dog's care and not the costs. It has made all the difference.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Katrina - Thanks for being part of the Healthy Paws Family for over 9 years! We appreciate all of your kind words regarding our customer service. Happy to play a part in making sure your baby has access to the bet available medical care. Give your pup a hug from us.
Susan C

4/9/2020
I've been a customer since 2012 and have since added another pet in 2015. I wish I knew about them 10 years ago as I have another pet insurance that I'm not happy with. My sweet Matilda has had many issues and never once did Healthy Paws reject any medical bills I submitted. I'm most happy to rate Healthy Paws 5 stars, they have been wonderful the past 8 years!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Susan - Thank you so much for the kind words and for being such a loyal Healthy Paws family member. We are so happy to hear that you have had nothing but positive experiences with us fo the last 8 years! We are sorry to hear that Matilda is dealing with some ongoing health issues but we look forward to protecting her for many years to come. Please give her another big hug from us!
Jennifer V

4/8/2020
I cannot say enough about how great Healthy Paws is. Our 3-year-old malamute mix suffered a traumatic hyper-extension injury to his left wrist. The repair involved two surgeries, endless medications for pain and sedation, multiple casts and x-rays, and intensive physical therapy over more than 6 months and Healthy Paws has supported us unequivocally, paying every reimbursement promptly and checking in on our dog's progress to make sure we're all doing well. I am so grateful for their help. We could absolutely not have afforded to do this without them and our guy would have probably lost the leg. Healthy Paws is frankly better than any health insurance I or my pets have ever had, and I... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jennifer - Thank you so much for taking the time to post your review and for all the kind words regarding Healthy Paws. We are sorry to hear about your pup's major leg injury. Hopefully, with rehabilitation, he will be back to zooming around very soon, Thank you again for the kind word sand please give your boy a big hug from us!
C
Charlotte

4/8/2020
I got Healthy Paws for my puppy the day after I brought him home. The day after the waiting period was over, he got bloat at 3 months old (highly unusual). I definitely did not expect him to get bloat at such a young age (or have any health issues) and had considered waiting to put him on the insurance. Once I got the 6000+ vet bill I was over the moon I had gotten it. My plan was for 80% coverage (different options for this), so I had to pay my $250 deductible, the vet consultation (not covered but this usually is never a lot, $144 out of my $6000 bill), and 20% of the total bill. Very fair in my opinion. It took a few weeks for me to be reimbursed (I’ve heard it’s usually faster but... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Charlotte - We are so sorry to hear about your furbaby's major abdominal surgery and hope he is doing much better after that unexpected emergency. It's impossible to predict when something like this might happen which is why having pet insurance is so very important. Having pet insurance means you can give your pets the very best medical care when they need it the most! Thank you so much for all the kind words regarding our stellar customer service and easy claims process. Please give your pup a big belly rub from us!
A
auvetmom2

4/7/2020
Our Bullmastiff was diagnosed with an aggressive cancer, however, HealthyPaws came thru very quickly with their significant coverage and he is well on his way to a full recovery. HealthyPaws had a significant part in saving and prolonging his life.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
auetmom2 - We are sorry to hear that your mastiff is battling such a major illness, however, we are very happy to hear that he is doing much better with his treatments. Thank you for the kind words and for taking the time to post your review. Please give your big boy an even bigger hug from 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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