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Healthy Paws Pet Insurance Review

3,338 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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3338 Customer Comments & Reviews

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Jessica C

7/23/2020
Healthy Paws has been very responsive and helpful as our dog goes through cancer. We feel lucky to be able to make decisions knowing we have them to help us.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jessica - We're sorry your baby has to deal with cancer, but glad we can play a part in their care. Give your baby a big hug from us.
Nichol N

7/23/2020
I love this insurance. My dog has had a few health issues and they have paid for all her meds, surgery, MRI, bloodwork and Xrays. I am getting a new puppy later this year and you can be sure that I will continue using Healthy Paws insurance with the new dog. The reimbursement of payment is pretty quick, just a couple of days. I would highly recommend getting this insurance for your dog or cat.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
nichol - We appreciate the love and would be honored to cover your new pup when the time comes. Thanks for the kind words in regards to our quick reimbursement process. Give your buddy a big hug from us.
Shinyoung P

7/21/2020
Healthypaws is a lifesaver! I am so glad we have healthypaws insurance since my dog Max was 7 weeks old. He is 3.5 years old. So far, Max had two major surgeries with broken legs and lots of bladder stones in addition to stomach aches, eye pain, torn toe pads, etc etc... Every time we send invoices, they take care of it in a few days and deposit so quickly. Cant' ask for better service and care! Thank you, Healthypaws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Shinyoung - We're sorry your baby Max has had to endure all of these issues. Glad we can play a part in making sure he has access to the best available medical care. We appreciate the kind words about our quick claims and reimbursement process. Give Max a hug for us.
anaijor

7/19/2020
One of the best pet insurance out there with competitive pricing and great customer service.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Anaijor - we appreciate the kind words about our premiums and customer service. Give your baby a hug from us.
suzannelabram

7/18/2020
Our golden retriever is much loved. When we got her, we knew there was a good chance she'd suffer from cancer some day, so we signed up with Healthy Paws for her health insurance. Fast forward a couple of years, and our beloved dog unexpectedly got a UTI and bladder stones. The first four-figure vet bill was incurred for her diagnosis and initial stay at the animal hospital. The second four-figure vet bill came when we rushed her back a week later and bladder surgery was required. The third four-figure vet bill came when she suffered surgical complications and needed to go to a specialist in a neighboring state, and then the procedure to deal with the complications led to additional... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
suzanne - Thanks for taking the time to write your review. We wish your girl didn't have to go through all of this, but glad we could play a part in relieving some of the financial stress so you could concentrate on her recoveries. Give your baby a big hug from us.
B
Billie E

7/18/2020
The process for submitting a claim was quite easy. The staff amazing! I had to call a few time with questions and every person I spoke with was caring and took the time to talk to me about my dog and asked how he was doing. They have even emailed me after the claim was completed to check in on Howard, my dog. This company is special and I mean that in the very best way.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Billie - Our customer care team appreciates all of your kind words. We're sorry Howard wasn't feeling well, but glad we could play a part in making sure he has access to the best available medical care. Give him a big hug from us.
wes.miner1955

7/16/2020
My i annual insurance premium just increased from 59.00 to 89.00 . I had no notification and i haven't filed a claim.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
wes.miner - We truly appreciate you being part of the Healthy Paws family. We understand your concern and would be happy to review your account and discuss your policy with you in greater detail. Please call us at (855) 898-8991 and we will gladly answer any questions you have regarding your premium increase. In regards to notification, we're sorry if you did not open the email regarding your premium update that was sent on 5/14. Insurance regulations require that we send out a notice to our clients whenever there is a policy change. We will always email you regarding the premium increase prior to your policy anniversary date, using the email address you chose for your account. If you would like a copy of the email regarding you most recent premium increase, please contact our customer care team and we’d be happy to send it to you.
J
Juan

7/16/2020
I insured my best friend with Healthy Paws when he was about 12 months old and I did never have a health issue. Unfortunately My best friend had to go thru surgery in the middle of COVID-19 pandemic, worst moment for this to happen with all the craziness and all of us being impacted financially. FORTUNATELY, he was insured and to my surprise the process of the claim with Healthy Paws was very smooth and transparent. This is something you should always look for an insurance company. I 100% recommend Healthy Paws for your pet.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Juan - We're so sorry you baby had to have that surgery, especially with the added strain of the pandemic. We appreciate all of your kind words regarding our claims process. Give your baby a hug and be safe.
katsobo

7/16/2020
My cat recently had emergency surgery after he ingested hair ties that caused a GI obstruction. I was worried that submitting my first claim could come with red tape and delays, however the process was completely painless! Once they confirmed they claim had been reviewed and completed the reimbursement was in my bank account within two days. They also sent a follow-up email making sure my cat had recovered and if there was anything else they could assist with.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
katsobo - We're sorry that your kitty had to have that tummy surgery and your baby is doing well in recovery. Thanks for the kind words about our easy claims processing and quick reimbursement. Give your kitty a squeeze from us.
M
M

7/15/2020
I am not one to leave reviews, but I can't say enough about HealthyPaws. Their customer service is the best I have encountered. They make filing claims simple, if they have questions, they facilitate getting the required documents, and they process the claims within two days, in my experience. Payment is received within days of submitting my claims. Whether I call in or send an email, HealthyPaws staff respond immediately and resolve any issue or question. This pet insurance is one of my best investments.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
M - We appreciate the fact you made an exception to leave your review. Thank you so much for your kind words regarding our customer service and easy claims processing. Give your baby a big hug from us.
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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
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