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Healthy Paws Pet Insurance Review

3,335 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 Do We Rate Healthy Paws?

Breakdown

4.5/5
Coverage
4.0/5
Cost
4.0/5
Extras

Our Overall Rating: 4.4 / 5 (Excellent)

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 - 4.5 / 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 / 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 / 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 - 5 / 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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3335 Customer Comments & Reviews

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Marcia M

8/11/2021
Healthy Paws has been unfailingly supportive throughout my poodles life. She's had to be hospitalized twice for gastrointestinal problems and also had a leg injury that required outpatient surgical/orthopedic care. It's been crucial to have the support of such a reliable insurance company when your pet needs expensive care. I recommend Healthy Paws to all my friends who have dogs. I'm grateful to them. When Silvia injured her leg, the Healthy Paws team went above and beyond by talking me through the worst. A good insurance company is worth a lot of peace of mind.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Marcia - Thank you so much for the kind words and for taking the time to post your review. It's folks like you who are helping to raise awareness about the importance of having pet insurance for our furry loved ones. We're sorry to hear that your sweet girl had major tummy and leg issues and hope she is doing much better now. Please give her another big hug from us!
A
ashley

8/11/2021
I'm a veterinarian with two dogs that are my whole world. Healthy Paws is the first pet insurance I've had and I couldn't recommend it enough. My pets' well-being is my priority and medical care can be stressful: the time, treatments, and worry. Healthy Paws removes the stress of the financial burden so that I can focus on my pets's health without the influence of expense. Submitting claims is easy, their coverage is comprehensive and easy to understand (no catches that I've come across), customer service is always helpful.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Ashley - Thank you for all the kind words and for taking the time to post your review. We love to hear from veterinarians, and we are so happy to hear that having your fur babies enrolled with Healthy Paws gives you peace of mind in knowing that you will never have to worry about giving your babies the very best medical care if ever the time arises. Please give your pups more hugs from us!
M
Matt

8/10/2021
I am glad that I picked Healthypaws for my best friend medical needs . I’m now more than 2 years with Healthy paws and don’t have anything to complain. Their process has been always consistent and easy. Any accidents or medical needs for my best friend (my dog) I’m not worry since I know that We are covered. So nothing to worry. This is priceless.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Matt - Thank you for taking the time to post your review and for all the kind words regarding Healthy Paws consistent and easy coverage. Please give your fur baby a big hug from us!
Mary B

8/9/2021
I paid monthy for almost five year and then my dog had 3 teeth removed because of an infection. She had .surgery and they refused to pay!!!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Mary - We're sorry that your baby had to have oral surgery. All claim decisions are based off of your pet’s medical records and the signs/symptoms that are noted in those records. Most pet insurance companies including Healthy Paws use a pet's medical records to determine if there are any pre-existing conditions which would keep us from approving a claim. We appreciate your efforts to provide us with your pet's medical records, but we are still missing some needed documentation. Our team has reached out to your veterinarian on your behalf to get those records. Once received, we will re-open your claim and process for you. Give your baby a hug from us.
K
Katie

8/7/2021
When my dog suffered a sudden injury, Healthy Paws saved the day. They were responsive, helpful, kind and compassionate. They have a simple and easy app that I highly recommend. Their policy is very clear and holds no hidden surprises. They were there when I was so stressed and worried about my pup. They paid their portion of all the bills I incurred. It was quite a relief to know I could count on them to be there, as promised, when I needed.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kate - We are sorry to hear that your pup had a major injury. Hopefully, your fur baby is doing much better now. Thank you so much for the kind words and for recommending us. We are so happy to hear that Healthy Paws is always there for you and your fur baby when you need us most. Please give your pup another big hug from us!
Loreen G

8/6/2021
Thank you to Healthy Paws for checking in our 2-yr-old Labrador Retriever after her TPLO surgery. What a nice personal touch! This is our pet’s second major leg surgery in 2 years. We have been fortunate to have found such a skilled veterinary surgeon as Dr. Diamond at Weymouth VCA. We are confident that our pet is receiving the best care possible. We are thankful to Healthy Paws for being so easy to deal with and responsive to settling our claims. They have made the process easy and we are always reimbursed within a few days after submission. We would highly recommend Healthy Paws to anyone looking to insure their pet.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Loreen - We are so sorry to hear about your pups major knee surgery and hope her recovery is going smoothly. Thank you so much for the kind words regarding Healthy Paws super easy claims process and quick reimbursement. We are so happy to hear you have been so pleased with your Healthy Paws coverage. Please give your sweet girl another big hug from us!
tidacalma

8/4/2021
They do not provide accurate info . You need to follow up with every call, they will not.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tilda - Since you were not listed on the account, our privacy rules would not allow our team to provide the information requested during your calls and in your email. Our customer care team has provided information in an email as to the necessary steps for you to take so you can have access to this account. Give you baby a hug from us.
Bryan R

8/3/2021
Healthy Paws Pet Insurance provides transparent, fast, and easy service. I have submitted numerous claims for my pet and each one has been processed quickly, sometimes in the same day, and each one has resulted in a reimbursement that does not deviate from my policy. Their premiums are very reasonable and I can't recommend too highly the value of these premiums. Most recently (July 2021), my pet needed to have numerous expensive diagnostic procedures for a complex medical issue. I may not have elected for these procedures without the financial security and peace of mind that Healthy Paws provides.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Bryan - Thanks for taking the time out of your day to write your review. Thanks for the kind words about our policy coverage and efficient claims processing. We're happy we can play a part in relieving some of the financial stress when your pet needs medical attention. Give your baby a big hug from us.
monica.tonissoo

8/3/2021
Very impressed with Healthy Paws pet insurance. Premiums are reasonable and claims are super easy using the app. I’ve not had any push back at all with any of the claims I’ve submitted. My cat recently had surgery and Healthy Paws even followed up to see how he was doing. Very professional and thoughtful team!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Monica - We're so sorry that your kitty had to have surgery. We appreciate your kind words regarding our reasonable premiums, customer service and efficient claims processing. Give your baby a big hug from us.
Kim L

8/1/2021
My monthly premium when my puppy turned one changed from 25 to 32$ for no reason. This is a huge increase. I have recently read reviews about premiums going up to $100 a month in just a few years. This is very concerning and I’m considering changing companies now since my dog has no preexisting conditions. I tried to call and the hold wait was too long and no response on email.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kim - We understand no one likes any form of premium increase. Our management team works hard to keep our premiums as low as possible while still providing comprehensive coverage. All premiums are based on the rates and rating rules filed and approved by each state’s Department of Insurance. These rates take into account the cost of treatment, advances in veterinary medicine (including specialty and emergency care), your individual pet’s breed, gender, age and other factors, within the region your pet resides. As a result, we need to increase the premium level for all pets in your state so your pet can have continued access to the best veterinary care. 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, including specialty and emergency 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.
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