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Healthy Paws Pet Insurance Review

3,228 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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3228 Customer Comments & Reviews

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Robin R

12/12/2019
My dog had to be taken to the emergency hospital on Thanksgiving where he spent three days. I filed my claim on 12/2, checks were in hand on 12/10. The communication throughout the process was excellent. I know it’s easy to feel when filing on line that you will end up in a black hole, Healthy Paws let me know where I was in the process everyday. My claims were paid exactly per my policy..no questions asked. I have two dogs covered by Healthy Paws, best decision ever.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Robin - We are so sorry to hear about your dog's recent emergency. Hopefully, he is feeling much better now after that major health scare? Having a sick or injured pet can be very scary, and stressful. After all, what we really want what's best for our fur babies when they are sick or injured and having Healthy Paws pet insurance allows our pet parents and family members to give their pets the best possible medical care when they need it the most! Thank you so much for all the kind words and for letting us know that your pup is feeling much better now. Please give both of your dogs another big hug from us!
A
Andrew C

12/12/2019
I highly suggest healthypaws to all pet owners I meet. I have had a couple health issues with my frenchie and they have been there along the way. I have had zero issues with Healthypaws which has allowed me to focus on ensuring my boy Claude gets the best care possible. 

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Andrew - Thank you so much for recommending Healthy Paws to the fellow pet parents you meet. Having Healthy Paws pet insurance allows pet parents to focus on the health of their pets rather than the financial aspect. Please give Claude a big hug from us!
D
Doreen M

12/12/2019
Healthy Paws has been great. My dog has some medical issues and they are always there to help out with the costs. Most recently he had to have surgery and Healthy Paws actually checked in to see how he was doing. They really care. I cannot thank them enough.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Doreen - We are sorry to hear that your dog recently needed major surgery and hope he is feeling much better now. Thank you for the kind words and for taking the time to write your review. Please give your pup another hug from us!
G
Gina L

12/11/2019
I love this pet insurance. I had insurance for all my pets for many years with other provider whom I was happy until they got sold to another company who forced all customers to change policies, I did not want to and by the time of my renewal they use any excuse possible to get me out; unfortunately one of my dogs got sick and sadly died after surgery and I got not insurance. They tried to get me back which of course I refused. Then I found Healthypaws and couldn't be happier. Best possible options for my pets needs, fair priced, fair deductibles, excellent customer service and wonderful claim processing system.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Gina - We are very sorry to hear about your previous pet insurance experiences. That doesn't sound like fun at all! We value each and every one of our pet parents and love hearing that their Healthy Paws pet insurance experiences are always so positive. Thank you so much for all the kind words and for taking the time to write your review. Please give your furbaby a big hug from us!
K
Kelly

12/11/2019
Best insurance company I have dealt with! Not only are claims processed fast but in a way that makes sense and is easy to understand. I recently submitted a large claim from my puppy being admitted to the ER and aside from the confirmation emails that everything was processed I received a completely separate and personalized email asking how Benni’s tummy issues were doing and if he was feeling better. Shocking to get this care and attention from an insurance company!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kelly - Thank you so much for the kind words regarding our fast and easy claims process. We take great pride in making the claims process as simple and easy as possible so our pet parents can focus on the health of their pets rather than worrying about how to submit their claims. We hope Benni is feeling much better after his recent emergency and please give him another big hug from us!
B
Brandon M

12/11/2019
We’ve had insurance with Healthy Paws on our French Bulldog Genji ever since we first got him. Earlier this year, our vet said he needed to get airway surgery on his nose, soft palate, and larynx so he could breathe better. I did my research and was worried that he might not be covered because bulldogs can often develop breathing problems later in life, but Healthy Paws gave me absolutely NO hassle with the claim and was true to their word. I didn’t even have to fill out a form or anything. I had the surgery center send them the records by email after the procedure, and they reimbursed it at our coverage rate, no questions asked. We recently got a second Frenchie, Gus, and are so happy... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Brandon - We are sorry to hear that your sweet little Frenchie needed major surgery to repair his soft palate. Luckily Healthy Paws can cover congenital and hereditary conditions. Thank you so much for the kind words and for letting us know that Genji is breathing much easier now. We look forward to protecting both of your Frenchies for many years to come. Please give both of them a big hug from us!
johnn571

12/11/2019
We have had nothing but very positive experiences with Healthy Paws. Unfortunately, our dog is plagued with severe allergy problems and has required frequent and costly treatment over the past 3 years. Healthy Paws has approved every claim we've submitted for medications and surgeries related to her allergy problems. We did quite a bit of research before selecting an insurance provider and we are so glad we chose Healthy Paws. We have heard horror stories from friends who have insured their pets with other agencies about the difficulties they have had getting claims approved, this has never been the case for us with Healthy Paws. If you're looking to insure your pet, you won't find... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
johnn571 - We are sorry to hear about your dog's ongoing allergy issues. Allergy issues are very common for pets, and they can be very costly to treat which is why we are so happy that we will always be able to cover your pups allergy issues for the life of your policy. Thank you so much for the kind words and recommendations. We are so happy to hear that your experiences with Healthy Paws have always been so positive. Please give your sweet furbaby a big hug from us!
S
Scott

12/10/2019
Are you thinking about purchasing pet insurance? If you are and have started the process of comparing coverages and pet insurance companies, you have undoubtably recognized it is as difficult or even more difficult than choosing health insurance for you and your family. Take it from a customer that has been with Healthy Paws going on 10-amazing years of coverage. A week has never gone by that we are not thankful for the care, understanding, and support we continue to receive from Healthy Paws. Give you and your pet a gift this year that keeps on giving; your pet gets the gift of a lifetime of good health and pet insurance from Healthy Paws, and you receive the peace of mind that your... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Scott - Thank you so much for the glowing review and for being a Healthy Paws family member for 10 years! We love hearing from our longtime family members. We are so happy to hear that you and your family have been so pleased with every aspect of your Healthy Paws pet insurance coverage. We hope Healthy Paws can continue to cover all of your precious furbabies for many many years to come. Please give your babies another big hug from us!
M
Mary a

12/10/2019
I recently got a new Golden retriever puppy, Murphy. After having many health issues with my five previous Goldens a friend suggested I get pet insurance. She assured me that Healthy Paws was by far the best choice ( from her own experiences). Thankfully I took her advice. Because he is a very busy puppy and we live on a lake, a few weeks back he found a fish hook and line someone left in the grass where we walk everyday. He started choking, I found the line coming out of his mouth. Took him to my vet and fortunately they were able to remove the hook and the line. Our vet did the paperwork for Healthy Paws and sent it in for me. I was pleasantly surprised how quickly I received a check... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Mary - We are so sorry to hear about Murphy's recent fish hook ingestion scare. Poor pup, that probably didn't feel very good? Thank you for all the kind words regarding your recent claims and customer service experience. We are so happy to hear that Murphy is feeling better. Please give him another big hug from us!
Julie F

12/10/2019
A couple years ago, I decided to get pet insurance for my year-old kittens. I could find no clear comparison between companies—it was worse than car insurance. I opted to go with Healthy Paws based on a friend’s personal experience. Later that year, one of my girls was diagnosed with renal disease—quite rare in a female year-old cat! She now sees a specialist every few months to monitor progression of her disease, and Healthy Paws has been there every step of the way. I can’t imagine how I would handle these life-long expenses without Healthy Paws. And when—not if—she requires surgical intervention for blocked ureters or a blocked urethra, I know I’ll be able to handle the cost because of... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Julie - Thank you so much for all the kind words and for taking the time to write your review. We are sorry to hear about your kitty's major renal issues. Poor thing. Having a sick or injured pet can be very stressful, scary and expensive which is why having Healthy Paws pet insurance is so important! No pet parent should ever have to decide between being able to give their pet the best medical care possible if an emergency ever arises or not. Having pet insurance allows pet parents to focus on the health of their pets rather than the financial burdens when their pet is sick or injured. Please give all of your cats another big 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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