Healthy Paws Pet Insurance Review
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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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3335 Customer Comments & Reviews
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I genuinely couldn't be happier with Healthy Paws Insurance. The price is competitive, and my first request for a reimbursement went through without any problem. The process is simple (entirely online, no claim forms), and the response is rapid.
This company clearly misleads when stating the "exclusions." After collecting two years of premiums they failed to reimburse one cent (above the $250 deductible) when my dog was injured and required emergency surgery on New Year's Eve. They claimed the exam fee ($50) was actually $110--no explanation. And the subsequent trip to the vet to see if infection had occurred was also nothing but an exam--and though part of the same claim and same accident, was not covered and occurred in the subsequent year. Rubbish.
I plan on reporting them to our state's Attorney General.
Tim
Customer Care of Healthy Paws Pet Insurance
Official Response
Customer Care of Healthy Paws Pet Insurance
Pamela - We are sorry that Baby was so ill over the holidays and hope she is doing better. In regards to your claim, it was covered by your policy according to the annual deductible and reimbursement level you chose at enrollment. As with any policy that includes an annual deductible, the deductible has to be met before any reimbursements are made. In your case, there were exam fees in your claims that are excluded by your policy. We make every effort 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 (veterinary exam fee). Anyone visiting our website can see this information on our “Benefits, Coverage and Exclusions” page. By making the office visit (vet exam, emergency exam fee, specialty 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.
Healthy Paws have been absolutely amazing in their support of the health issues of our beloved furbaby. Not only is their turnaround super fast, they are also quick to respond to questions via email and on the phone. Our baby had major issues that suddenly came on requiring an MRI and other costly diagnostics, and they covered almost everything. The only thing not covered are the office/exam/consultation fees. The half a star off full score is not for excluding normal office visit fees but rather for excluding consultation fees during hospitalization since at this point in time we as puppy parents dont even get asked by the doctors if we are ok to have another specialist look at our... Read More
Healthy Paws made it very easy for me when it came time to submit my first claim. Their customer service representatives were always available to chat over the phone, and each step of the way was so simple (especially with their great Android app!).
When it came time to be reimbursed, all I had to do was snap photos of the invoice, submit them through the Android app, and a few days later I was notified a check was on its way.
I highly recommend using Healthy Paws for your pet. Without it, I would be facing approximately $8,000. in surgery bills for my dog. Instead, I'm only going to be paying about $1,000. Well worth it!
I have been a Healthy Paws customer for several years. I adopted another dog and added her to our plan in early December. I admit, I was shopping around, but in the end, I stayed with Healthy Paws because it seemed like the best policy for our 2 Havanese dogs. Well, I certainly chose well. Only weeks after adding our Pippa, I noticed she had some red in her right eye. I only noticed it because my husband went to pet her and she gave him the "whale eye". Thinking she had scratched her eye, I watched it for a day or two, but it just kept nagging at me. So, off to the vet, crazy dog momma. I expected the vet to say she had a scratch, or even pink eye, but no, instead I hear "very... Read More
The Healthy Paws claims process was simple and swift. The process was straightforward and we were able to track the status of the claim using the iPhone app.We received our reimbursement check around one week from submitting the claim. 5/5 stars!
I only had Healthy Paws Pet Insurance for 2 months when my 3 year old dog, Sparty, became critically ill a few days before New Years Eve. My veterinarian ran numerous blood tests and x rays and couldn't figure out what was wrong with Sparty so I was sent to a specialist ER clinic where they immediately hospitalized Sparty and began running more blood tests, x-rays and an ultra sound. After 3 days, an obstruction was ruled out and it was determined Sparty was suffering from gastritis and possibel pancreatitis caused by a "gourmet" treat he was given for Christmas. I took a picture of the bills (which seemed enormous to me) and submitted them through the Healthy Paws App. I recieved e... Read More
This is the most caring, efficient, incredible organization! I have been insuring my 2 dogs for 2.5 years. I reluctantly got pet insurance when they turned 6 years old, to be able to help them with age related issues. After investigating several companies, a friend strongly recommended Healthy Paws. Both dogs have had unexpected and complicated surgeries. Healthy Paws helped me throughout the process! They even contacted me to check on how the dog was healing. They paid their part of the bill immediately - I was reimbursed within days! Oh, if only human insurance was as kind and as helpful! Thank you Healthy Paws! I tell everyone who has a dog about you! Like many pet owners, my... Read More
I was totally surprised as to the professionalism and the speedy process for my claim. I never had insurance for my pet before but after many thousand of dollars for my beloved Mr.Gizmo, who didn't make it through a tragic ordeal, I decided to look in to the different policies offered for pets. My new baby- Trooper was just a pup when I signed up, he was in great health! Healthy Paws was the most reasonable priced and seemed to provide the best coverage. I never thought I would need them so quick, but I did! They paid the claim just as advertised and I receive my check very quickly. It was almost $1,300.00 from Healthy Paws and it paid just as it said it would!! I recommend them to evry... Read More
My greyhound became critically ill very quickly after ingesting a foreign body. She required expensive emergency surgery to remove the foreign body. Knowing that I had insurance through Healthy Paws, I did not hesitate to go forward with the surgery. Without the surgery, my dog would have died. The day after the surgery, while my dog was still in ICU, I contacted Healthy Paws and advised them of the situation. They began immediately obtaining the necessary records from the veterinarians. I easily uploaded the final invoices into the Healthy Paws app and was promptly reimbursed under the terms of my policy,within 7-10 business days. The reimbursement process was very easy and I am thankful... Read More
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Rated "Best Choice Overall" by Mashable
- No Maximum Annual or Lifetime Payouts
- No Enrollment or Administrative Fees
- Most Claims are Processed in 2 Days
- Trusted by More than 625,000 Parents
