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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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How is Healthy Paws rated?

Breakdown

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

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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3292 Customer Comments & Reviews

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jeaneane.labombard

3/17/2020
Last May our beloved 12-year-old Lucky went into the vet after acting strangely for weeks. We received the worst news when she was diagnosed with Hemangiosarcoma. She required immediate emergency surgery to remove her hemorrhaging spleen and even after that her prognosis was 4 months. Her cancer was coupled with stage 3 kidney disease. We managed her health by cooking her meals twice a day with a dozen supplements added and monitoring her bloodwork monthly. When people would visit they could not believe she was even ill. She made it until her 13th birthday in January before she started showing signs of illness again, so much further than her original prognosis. She was showing serious... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
jeaneane - We are so so sorry to hear that Lucky had to go through all of this and that she has been battling such serious illnesses and that she had to go through such a major surgery. Thank you so much for the kind words regarding our amazing customer service and quick claims turnarounds. We take great pride in providing our family members with top-notch customer service and a simple claims process. Thank you for sharing Lucky's story and please give her another big hug from us!
E
Elissa

3/17/2020
We have a 12 year old Maltese who became critically ill after ingesting something. We had to take him to an urgent care facility in the middle of the night. He survived and is doing great but only after paying thousands of dollars. Thank God we have Healthy Paws! They covered most of the costs! And we were reimbursed within a week. I really wish they also had human insurance because it’s so easy to use and they actually pay for things!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Elissa - We are so happy to hear that your furbaby survived his major toxicity scare. Having a sick pet can be very scary and stressful which is why having pet insurance is so important for those unexpected and expensive emergencies and/or accidents. Thank you so much for the kind words regarding your claims experience and for taking the time out of your day to share your story. Please give your sweet boy a big hug from us!
T
Teresa

3/17/2020
Healthy Paws was concerned with the health of Julio through several emails checking on his recovery. Healthy Paws paid our claim as stated in their advertisement. We are very happy with their insurance.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Teresa - We are so happy to hear that Julio is feeling much better now. Thank you for the kind words, we are so glad you are so happy to have you and Julio as part of the Healthy Paws family. Please give your little rascal a big hug from us!
lsbutterfield

3/16/2020
Our new puppy recently required an overnight stay at the hospital. We had bought insurance only a couple of weeks prior. Healthy Paws processed and paid the claim in a timely and painless manor. We couldn’t be happier with our decision to choose Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
lsbutterfield - We are so sorry to hear about your puppy's recent overnight hospitalization. Hopefully, your furbaby is feeling much better now. Thank you for the kind words regarding your recent claims experience and please give your pup another hug from us!
C
Carol G

3/16/2020
We have a 3 year old Bernese Mountain Dog. When she was about a year and a half, she developed irritable bowel disease and had extremely elevated liver enzymes. Since that time, we have had monthly medical expenses of approximately $1,000 for blood work and meds. This doesn’t include expenses for two ultrasounds. With the Healthy Paws app, I just take a picture of the veterinary bill, submit it and within a week I have a refund check. It doesn’t get easier than that!! It is comforting to know that Healthy Paws will continue to allow us to provide the best possible care for our fur baby without us having to worry about annual limits or policy cancellation due to high expenditures.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Carol - Thank you for all the kind words and for taking the time to share your story. We are very sorry to hear about your sweet furbabies ongoing tummy issues. Unfortunately, conditions like this are not all that uncommon for some pets and treatments and medications are very expensive which is why having Healthy Paws pet insurance is so important. Thank you again and please give your dog a big hug from us!
C
Caitlyn D

3/15/2020
I have just been notified that my rate will increase by 36% compared to last year (113% increase since we started with Healthy Paws). This is an abusive rate hike as, due to pre-existing conditions, I am unlikely to find similar coverage from a different insurer. After my rate hike last year, Healthy Paws stated they would provide documentation showing an increase in more frequent and more expensive claims. I spent months following up on this promise to which Healthy Paws kept apologizing for the delay in providing documentation, but in the end, no documentation was ever provided. This year there is an even steeper rate increase. They are citing the same reasons as last year, but again... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Caitlyn - We truly appreciate that you have been a valuable member of the Healthy Paws Family over the years and thank you for the positive words regarding our super easy claims process. We understand your concerns and want you to know that our management team works very hard to keep our premiums as low as possible while still providing comprehensive coverage. New technology, advancements in veterinary treatments, and overall claim costs are taken into consideration when assessing our rates. Premiums are determined based on the rates and rating rules filed and approved within your state’s Department of Insurance. These reflect the cost of treatment, advances in veterinary medicine, your individual pet’s breed, gender, age and other factors, in addition to the overall claims experience for the program within the region your pet resides. As a result, we need to increase the premium level for all pets in your state so you and your pet can have continued access to the best veterinary care. Rest assured, we will never penalize you with higher rates for making claims. 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. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website. Please give your furbaby a big hug from us! The Healthy Paws Team
Kristine T

3/13/2020
My dog Riley was unexpectedly diagnosed with COPD recently. My plan pays 90% of the covered costs after the 250.00 annual deductible is met. I had to upload her vet records and the receipts for her diagnostic procedures and medications, all super easy to do. They let me know through email where the claim process was at, when it was completed and that my check was on the way. The turnaround was quick, about a week to 10 days. They are also paying for her acupuncture treatment, although they do not pay for the herbal remedies. They do, however, cover FDA approved medication. The contract stating what they cover and do not cover is very clear in easy to understand language. They are true... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
We are very sorry to hear that your pup Riley has been dealing with some COPD issues. Poor girl. Hopefully, her acupuncture treatments are having a positive effect and she can get back to playing like her old self again very soon! Thank you very much for the kind words regarding our comprehensive coverage and exceptional customer service. We take pride in having a transparent policy and amazing customer service. We Riley feels better soon and give her another big hug from us!
Lenore R

3/13/2020
I have had this pet insurance for several years on my dogs and have always had a good experience with claims I submitted. Easy to submit a claim through the app on my phone. Quick response and reimbursement on claims. Very happy with Healthy Paws Pet Insurance.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lenore - Thank you so much for being a longtime Healthy Paws family member and for the kind words regarding the positive experiences you have had with your claims and quick reimbursements. We are so happy to hear that you have been so happy with your claims experiences. Please give your furbabies a big hug from us!
S
Steve S

3/13/2020
Made my first high dollar claim that would take me over my deductible for the year. Claim process was easy. They needed additional info from my vet and they reached out directly to them. I didn't need to do anything. They covered exactly what I thought they would. Total amount less reimbursement level (90%),less deductible, less office visit, Claim process and check received quickly

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Steve - Thank you for the kind words regarding our quick and easy claims process. We take pride in making the whole claims process as simple and easy as possible so our family members can focus on what's most important, the health of their pets. Please give your pet a big hug from us!
Paty F

3/11/2020
We have been customers of Healthy Paws since 2014 and I couldn't thank them enough. Excellent customer service and they've always been there when we needed. Thank you for checking on our girl when she was sick!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Paty - Thank you so much for the kind words and for being such a loyal longtime Healthy Paws family member. We are so happy to hear that you have been so pleased with your furbabies coverage. Please give her another hug from us!
Top Rated
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
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