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Healthy Paws Pet Insurance Review

3,229 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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3229 Customer Comments & Reviews

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Cheryl

11/4/2019
Our dog Millie presented with a few symptoms that seemed unrelated but turned out to be allergies. She had several visits to the vet and extensive testing, which was quite expensive. She is now receiving immunotherapy in hopes of reducing her reaction to trees, grass, etc. Healthy Paws is outstanding! We've always insured our pets and Healthy Paws has the simplest claims process by far as well as the fastest claim turnaround time. It is also the least expensive when compared to Trupanion and other pet insurance companies. I highly recommend Healthy Paws

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Cheryl - We are sorry to hear that your sweet girl Millie has been battling some nasty allergy issues and hope her immunotherapy treatments are helping to relieve her symptoms. Thank you for the kind words regarding our simple and easy claims process, affordable premiums and quick claims turnaround times. It's people like you who are helping to raise awareness about the importance of having pet insurance for our furbabies. Please give Millie another hug from us.
tootie.tatum

11/2/2019
I have had pet health insurance ever since one of my dogs became very ill with cancer in 2011 and over the course of one month, had incurred nearly $18,000 in medical bills. I shopped around several companies for policies and talked to a number of people about their experience with other companies before choosing Healthy Paws. Even now, 8 years after first getting coverage, they are still an outstanding company. I could not be happier with the coverage, the price or the service. I'll be a customer for as long as I have dogs and they're around to provide coverage. I wish human health insurance companies were as customer-focused, transparent, fast and friendly as Healthy Paws!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
tootie.tatum - Thank you for all the kind words regarding our coverage, premiums, and service. Wow, 8 years as a Healthy Paws pet parents! We would also like to thank you for being such a loyal and longtime Healthy Paws pet parent. We are so happy to hear that you have been so pleased with our coverage and happy with the peace of mind that having pet insurance brings. Please give all of your furbabies a big hug from us!
tiffany

11/1/2019
Very happy with Healthy Paws. When a tumor needed to be removed from out pet, the costs for removal and surgery added up very quickly. The claim process and quick response by Healthy Pets was amazing! Made a very stressful family situation so much easier. Thank you!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tiffany - We are so sorry to hear that your pet needed a major growth removal surgery. Hopefully, the surgery went smoothly Thank you for the kind words regarding our quick claims process. Please give your furbaby a big hug from us!
M
Mary

10/30/2019
We recently submitted a bulk of claims for our pets. My procrastination for submitting them was mostly because the last time I submitted claims it seemed a bit cumbersome. But, I sat down this past weekend and went to the Healthy Paws web portal where I noticed the process appeared very streamlined. I scanned in all of our receipts and sent them off as claims. I was fully prepared to be contacted for more information and/or to process each claim individually rather than in bulk. You can't imagine my surprise, relief, and gratitude when I started getting emails that claims representatives had taken each request and created individual claims for me! Not only that, but they were being... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Mary - Thank you so much for the kind words and for taking the time to write your review. It's people like you who are helping to raise awareness about the importance of having pet insurance for our furry loved ones. We are so happy that your claims experiences have been so quick and easy. Please give your sweet furbabies big hugs from us!
frshermanjr

10/30/2019
I first purchased the policy for our Cocker Spaniel last Sept when he was 4 months old. With $250 deductible and 90% coverage, the premium was $41.74 per month. Now one year later they premium was raised to $51.76 per month. That is a 24% increase!!! To make matter worse, the same coverage for the same age and breed of dog would currently cost a NEW subscriber only $39.66 per month. When I questioned this, they just gave me double talk saying if I cancelled and re-enrolled I would have to worry about pre existing conditions... It is clear this company takes advantage of current clients. DO NOT DEAL WITH HEALTHY PAWS, by the time your pet may actually need it, the premiums will... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Frshermanjr - We understand that no one likes any form of premium increase. We know you haven't had to file a claim and we hope that you never have to--this means your pet is healthy and accident free. Our management team works hard to keep our premiums as low as possible while still providing comprehensive coverage. New technology, advancements in veterinary treatments, and overall claim costs are taken into consideration when assessing our rates. Your monthly premium is going up because the increase in claim payments has been faster than the premium increases in your state. As a result, we need to increase the premium level for all pets in your state so you and your pet can have continued access to the best veterinary care. The pricing for your current policy is per the rating plan approved by your state's Insurance Department and we are not permitted to deviate from those rates for existing policyholders. The quote you generated recently is the approved pet insurance product filing for NEW accounts only. Because of Insurance Department regulations, the information our team provided regarding the need to cancel/re-enroll to acquire the lower premium is correct. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of veterinary care. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website. We’re sorry to lose you as a policyholder and hope you and your pet stay well. The Healthy Paws Team
bjmorse21

10/30/2019
We bought pet insurance when we got a puppy. I checked the top 10 pet insurance sites and Healthy Paws was the one I chose. I’m so extremely glad I did. I’ve filed almost a dozen claims in just the first year and after my initial deductible, almost all my claims have been paid in full. My puppy recently had to have patella surgery and Healthy Paws reviewed by bill and reimbursed me within a week. I’ve told all my friends and family, who are looking for pet insurance, Healthy Paws is the insurance they need.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
bjmorse21 - We are so sorry to hear about your pup's major knee surgery. Hopefully, rehab is going well. Thank you for the kind words and for letting us know that your pup is feeling better after the surgery. Please give your pup one more big hug from us!
burtonhelen1221

10/29/2019
This is the e-mail I sent when Healthy Paws asked how my pets surgery went. This Company is awesome and I would recommend it to anyone who asks or doesn’t ask. Hello. Ari is on his first week of recovery. He is doing really well. The surgery would not have been possible without Healthy Paws. We can’t thank the staff’s understanding and how quickly the claims are processed. The amount of stress with a loved pet with health issues is so hard and healthy paws and it’s staff take some of that burden off our shoulders. I am recommending this service to everyone that I know with a loving pet and hope I can help bring business your way, lord knows you deserve it. You have a loyal... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
burtonhelen1221 - Thank you for the kind words and for taking the time to write your review. We love it when our pet parents are so pleased with the coverage that they recommend us to all their friends and family. That means we must be doing something right! Please give Ari a big Healthy Paws hug from us!
Jenny S

10/29/2019
One of our little guys woke up paralyzed; we rush to vet and then ER. He had surgery and will start therapy in a couple weeks (which is ALSO covered!!). I submitted the invoice and it was processed in less than a week, no questions or concerns. I called to asked about therapy coverage and the person was so helpful and asked how our guy was doing. I also received an email asking how his healing is going!!! This company gets me!! <3

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jenny - We are so sorry to hear about your little pup's recent paralysis issues. Hopefully, the surgery went well and his rehab is going smoothly. Thank you for the kind words and please give your little guys a big hug from us!
Rebecca A

10/29/2019
I am sure you hear this a lot but my Lilly is a baby. I can't tell you how stressful it was knowing she was going in for a major surgery at her age and such a painful one at that. She really needed this surgery because her chronic ear infections were just getting worse and worse. Her quality of living was not optimal and something had to be done. Having this insurance policy was a beacon of light to me because I didn't have to worry about the money but instead focus on my baby's health and recovery. It was a horrible few days of recovery but today almost two weeks later, she is happier and healthier. She gets her stitches out tomorrow and from the results of the culture, her infection was... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Rebecca - We are so happy to hear that Lilly is doing so much better after her major ear infection surgery. Having a sick pup can be very stressful so we are so glad that we were able to help during a time of need. Thank you for the kind words and please give Lilly another big hug from us!
N
Nicola s

10/28/2019
Healthy Paws is the only reason my staffie is alive today. My puppy came down with an awful infection. The first week in the hospital was $17,000.00 alone. The assistance and care I received from the Healthy Paws staff was amazing. There was no "questioning" of the bill, no delay in payment, and the staff seemed to genuinely care. We have both of our pets with Healthy Paws and would never go with another company. We often recommend Healthy Paws to friends and after they compare other companies, they also end up with Healthy Paws. You cannot go wrong.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Nicola - We are so so sorry to hear about your pup's major infection. That sounds like a very scary ordeal. We are so happy that Healthy Paws was able to help you and your pup when you needed it the most. Thank you so much for the kind words and for letting us know that your dog is on the mend. Please give that sweet pup 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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