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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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samdhawan110

5/13/2021
Have had healthy paws for over 3 years now. My dog tore his ACL and had to undergo 2 surgeries. Both times, healthy paws came thru with no questions and paid within 7 days. Impressed.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
We are sorry to hear about your dog's 2 major knee surgeries, Hopefully, rehabilitation is going smoothly. Thank you for the kind words and please give your pup a big hug from us!
R
Robin A

5/11/2021
I worried about my pet but not about my pet insurance. They were there for me along the way, and especially during his senior years when issues pop up. I was able to keep him comfortable and having Healthy Paws insurance gave me peace of mind that I could do that. Easy and quick process for claims. I appreciate that.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Robin - Thank you so much for the kind words and for taking the time to post your review. We are so happy to hear you have been so pleased with our quick and easy claims process. Please give your fur baby a big hug from us!
V
Vanja M

5/10/2021
Absolutely nightmare. No communication between departments. Customer service does not know what claims wants. Where do I start. Enrolled my 4 weeks old puppy 2 years ago. It happens that I know where and when she was born 12/19/2018. Upon enrollment she was given vaccine and first puppy shots at 8 weeks under her mothers name as she did not have name at the time. at 3.5 months of age she got wellness exam from the vet where she was born via c section as that was the care plan and clear bill of health. Fast forward she was transferred as a patient to family veterinarian. My first claim was filed when she was 9 month old I submitted all invoices with her wellness exam. Got email we need to... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Vanja, We're sorry your pup required medical attention, and that your customer service experience did not meet yours or our expectations. All claim decisions are based on 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 that would keep us from approving a claim. We appreciate your efforts to provide us with those records and the time you spent communicating with our team. SOAP notes (SOAP stands for Subjective, Objective, Assessment, Plan) are medical records that include the treating veterinarian's notes from any and all visits. Based on the medical records provided and since we had a clear timeline of signs/symptoms we were able to provide coverage for your claim. You will receive an explanation of benefits in the next 24-48 hours. Please give your pup a big hug from us. The Healthy Paws Team
William Z

5/3/2021
Our family is happy and more than satisfied with our dog Zoey’s health insurance, Healthy Paws. This past year alone Zoey needed bladder stone surgery as well as excision of a skin mass.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
William - We are so sorry to hear about Zoey's major bladder stone surgery and growth removal. Hopefully, she is feeling much better now. Thank you for the kind words and please give Zoey another big hug from us!
S
Sarah D

5/3/2021
I cannot say enough good things about Healthy Paws. My husband and I have had our beloved boxer Cali for almost seven years now, and we signed up for Healthy Paws immediately when we got her as a puppy, knowing that our choice to get a purebred dog meant a higher possibility of health issues. It was the best decision we ever made, as our poor girl has been through a lot! We have gone through chemotherapy and radiation for mast cell cancer, two knee surgeries, and an ankle surgery. Every step of the way, we have been so grateful to Healthy Paws for allowing us to not have to worry about the cost of a procedure or treatment, so we can focus on whatever the best option is for our sweet... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sarah - Thank you so much for all the kind words regarding Healthy Paws amazing coverage and quick claims process. We are so happy to hear that you have always been so pleased with your claims and customer service experiences as a Healthy Paws family member. We are sorry to hear that your poor pup has had some health issues and major surgeries over the years. Having a sick or injured pet can be very stressful which is why having pet insurance to help with the expenses is so important. Thank you for taking the time to post your review and please give your sweet girl a big hug from us!
corbinschoch

5/1/2021
I can't believe an insurance company is this easy to work with. They covered what they promised (no mis-leading fine print) and the reimbursement process was super quick and painless. We saved thousands on our dog's CCL surgery. I've recommended Healthy Paws to everyone I know with a pet.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
corbinschoch - We are so sorry to hear about your pups major knee surgery and hope the recovery process is going smoothly. Thank you so much for the kind words, and for taking the time out of your day to post your review. Please give your pooch another hug from us!
sirousjafari

4/30/2021
You can have pet with no insurance whoever you do not know when they get sick, Vet visits are not cheap. Having insurance at such low rate gives you the protection ,you and your pet deserves, It is responsible thing to do . Our Cat ate a piece of String and got stock and by the time going through surgery and other MISC , cost over $11K and Thanks for HealthyPaws insurance , they covered it. You welcome to use my name, HealthyPaws insurance is reputable insurance company , they stand behind their coverage 110%

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
sirousjafari - Thank you so much for all the kind words regarding your Healthy Paws experiences. We are so happy to hear that you have been so pleased with your coverage. We are sorry to hear about your cats major surgery and hope it is doing much better now. PLease give your kitty another hug from us!
Will T

4/26/2021
I love HealthyPaws Pet Insurance! They respond quickly to any questions or requests and process claims in a matter of days, resulting in a nice check just a few days after our vet visit. I only wish that they provided Human Insurance because I'd sign up with them immediately.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Will - Thank you so much for the kind words regarding Healthy Paws quick customer service responses and about Healthy Paws quick, and easy claims process. Please give your fur baby more hugs from us!
Veronica G

4/24/2021
What I do not appreciate as I made a claim on my cats broken leg. Is that the deductible is really not what it says. They take your claims, and my coverage on my 10 year old cat was dropped to 50% this year with $1000. Deductible. What this means? Well they discount all claims first by 50% first, so your actually deductible is $2000 before they pay a penny! So my $6000+ Claims over the last few weeks may get me a reimbursement of $1900. Do the math. So read the fine print!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Veronica, We are sorry to hear that your kitty had that major leg injury. In regard to the reimbursement level and deductible for your baby, that has remained constant since your initial enrollment. We do our best to be transparent regarding how our reimbursement calculations work. We include this information (including examples) on our website within our "Frequent Asked Questions" page, and on our "For Customers" page within our website. Our process for calculating reimbursements are approved by each state's Department of Insurance and are based upon the deductible/reimbursement level a client chooses at enrollment. There are many pet insurance companies that use this same method for determining reimbursement amounts. We hope your baby makes a complete recovery from their broken leg. Give your kitties big hugs from us.
lynnejones8112

4/21/2021
My pup tore his cruciate ligament and had to have surgery and rehab. Healthy Paws has been very responsive and quick with all the claims that I have submitted. They covered exactly what was stated in the policy. I have had no issues with the many claims that I submitted from this incident. I have been very pleased with their response and coverage.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lynne - We are so sorry to hear about your pups major knee surgery and hope he is recovering smoothly. Thank you so much for the kind words and for taking the time to post your review. We are so happy to hear that you have been so pleased with your claims experiences. Please give your pup another big hug from us!
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