Healthy Paws Pet Insurance Review
3,292 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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3292 Customer Comments & Reviews
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The customer service manager was dismissive in emails, called my male dog "she", and was in general not at all helpful. After an emergency visit, they refused to cover the emergency fees, while the website specifically says emergency care is covered and it is not listed under the exclusions. They told me to take it up with my vet, which is clearly what I want to be worrying about when my dog is ill. The whole purpose of pet insurance was to reduce the worry and burden when my dog needs to see the vet, and instead they have turned it into a huge headache. Not worth the monthly premiums when they won't pay the bill when the time comes.
Tim
Customer Care of Healthy Paws Pet Insurance
Official Response
Customer Care of Healthy Paws Pet Insurance
Kaitlyn - We’re sorry that you were not satisfied with the customer service you received. As our Customer Liaison Manager explained to you in an email, we have a colleague with a female dog with the same name as yours and she accidentally said “she”. We apologize for the error and any concern it may have caused.
As we stated in a previous response, we do our best to be transparent throughout our website, during the enrollment process and in the policy documents available to each client in their online Healthy Paws account regarding the limited exclusions of our policy. Those exclusions are pre-existing conditions, preventative/routine care and the office visit fee. Anyone visiting our website can see this information on our “Benefits, Coverage and Exclusions” page. By making the office visit fee (vet exam, emergency exam, recheck or consultation) part of the pet parent's financial responsibility, it allows us to offer a complete accident and illness plan at an affordable monthly premium. Our policyholders value comprehensive accident/illness coverage and unlimited benefits at reasonable rates, which is why they choose to assume the responsibility of paying for those costs.
Since your invoice listed the charge as an emergency exam, we could not provide reimbursement for that fee. We were able to cover the balance of that claim based on the deductible and reimbursement level you chose at enrollment. We sorry your dog was ill and hope he is on the road to a complete recovery.
PROS POLICY -The policy on their website is perfectly clear to me. I think that some of the problems with pet insurance are caused by a lack of transparency and vague wording. Healthy Paws's policy is straight-forward and not like the tedious "Terms of Use" stuff that you get whenever you try to use an app on your phone. MONTHLY COST - You can get a free quote on their website so that you know what to expect up front. I've had Healthy Paws for 2 years and I haven't noticed any significant changes to my dogs' premiums. REIMBURSEMENT - I get my reimbursement within 7-14 days by mail. Check their FAQ page on their website because they provide great examples of how the reimbursement is... Read More
We are thrilled with our Healthy Paws experience! They have been prompt, caring and compassionate! We chose them because they didn't have annual or lifetime caps, but they have exceeded our expectations in other ways as well - even follow-up emails after surgery to see how our dog was feeling! We really felt like they were a partner in our time of need!
Healthy Paws is a great company. Our dog tore her cruciate ligament and had to have surgery. Healthy Paws quickly reviewed and approved our claim. We highly recommend this company if you have pets!
I have done a good amount of research before selecting Healthy Paws. After 5 years of having my two dogs on it, I am thrilled to have made the choice. In fact, whenever I have an opportunity to do so, I recommend Healthy Paws wholeheartedly. The company is professional AND personal - a hard combination in business. I am a forever customer.
When I signed up for coverage for our two dogs through Healthy Paws Pet Insurance, I understood that well checks were not covered. However, it was not made clear to me that other vet examinations--including those made for emergencies--were also not covered. My dog was attacked last week and his face was torn; Healthy Paws refused to cover his examination even though it was an emergency and not a well-check. I had the firm impression from discussions and online content when we got this policy that 90% of ALL costs would be covered, except for routine well-care. Failing to cover these emergency charges is unacceptable even if it is in the policy, because that's a ridiculous policy. I don't... Read More
Tim
Customer Care of Healthy Paws Pet Insurance
Official Response
Customer Care of Healthy Paws Pet Insurance
Duana - We do our best to be transparent throughout our website, during the enrollment process and in the policy documents available to each client in their online Healthy Paws account regarding the limited exclusions of our policy. Those exclusions are pre-existing conditions, preventative/routine care and the office visit fee. Anyone visiting our website can see this information on our “Benefits, Coverage and Exclusions” page. By making the office visit fee (vet exam, emergency exam, recheck or consultation) part of the pet parent's financial responsibility, it allows us to offer a complete accident and illness plan at an affordable monthly premium. Our policyholders value comprehensive accident/illness coverage and unlimited benefits at reasonable rates, which is why they choose to assume the responsibility of paying for those costs. We were able to cover the other items in your claim based on the deductible and reimbursement level you chose at enrollment. We’re so sorry you dog was attacked and hope he is beginning to feel better!
I highly recommend Healthy Paws to pet owners because having insurance is part of being a responsible and caring owner. In my experience Healthy Paws provides an outstanding service! Our claim was processed intermediately and they followed up on my pet's recovery and status. Great customer services, easy to process claims, make payments, etc. online or even through a phone app.Thankful to have Healthy Paws.
Excellent customer service. Timely responses to inquiries. Extremely fast and hassle free reimbursement. Highly recommend Healthy Paws!
Healthy Paws is an amazing company. My dog suddenly became ill and I had to rush her to the ER. She was there overnight and had multiple procedures done. The cost was pretty substantial. I knew I didn't have to worry because Healthy Paws would cover it. I was able to focus on my dog and knowing she can get the best care possible.
To any and all parents of any breed of pet. Hear what I'm telling you. Healthy Paws has saved our beautiful German Shepard mix from being put down before the age of 2. She is a rescue dog and the most beautiful spirit lives in this dog. She has had multiple leg surgeries and there is no way without this insurance that she would be living today. Healthy Paws has been there for her and our family as she continues to recuperate. As our beautiful Versace shows us unconditional love. Healthy Paws shows unconditional love and care for all pets covered under their care. I thank you for all of your care and concern over Versace. I highly recommend Healthy Paws to any and all pet owners.
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Our Partner
- Trusted by More than 625,000 Parents
- No Enrollment or Administrative Fees
- No Maximum Annual or Lifetime Payouts
- Most Claims are Processed in 2 Days
