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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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cougar.kruger

10/23/2019
Thanks to some incredible vets and Healthy Paws, we defeated our golden retriever's urinary issues. There were no case studies to guide treatment of this severe infection which involved a vulvaplasty, bladder surgery, and extensive catheter-based infusions and hospitalization. Only with this level of support could we have seen the return of our cherished family member. Her personality has even returned to its former happy self. Yay!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
cougar.kruger - We are so sorry to hear about your pup's major urinary issues and hospitalization. Having a sick or injured pet can be very scary and stressful. We hope she is feeling better after that scary ordeal. Thank you for the kind words and for taking the time to write your review. Please give your sweet girl a big hug from us!
L
LiLi

10/22/2019
My now 12.5 year old yorkie has been with Healthy Paws since he was 6. After many horrendous experiences with other companies, I cannot recommend Healthy Paws enough. Their coverage is clear and concise, and I absolutely love their online app that allows me to take a photo of his invoices to be submitted right away. The direct deposit option is also not only extremely convenient, but allows us to be environmentally friendly by saving trees. I work a lot in Canada, and they have been amazing in covering my pup's veterinary bills without any issues. I love them, and have sent many, many of my fellow pawrents there. Thank you Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lili - Thank you so much for being such a loyal Healthy Paws customer and for taking the time to write your review. We are so happy to hear that you have been so pleased with your policy over the years. Our free mobile app allows pet parents to submit their claims quickly and easily wherever they are. Please give your little Yorkie a big hug from us!
guleria.pankaj

10/21/2019
Healthy paws has been one of the best decisions that we have made for our dog. Even though the premiums are a bit on the higher end, it has always been super easy to submit claims. The EOB after the claim has been processed, clearly calls out the breakdown and I have never had to go back to customer support on this. We recently got a major surgery (ACL) done for our dog and I submitted the invoice a couple of days after. This was a huge bill and I was nervous on how much I would be getting back (based on the breakdown of the invoice). Surprisingly the majority of the bill was covered by the insurance and money deposited into my account in a few days, there was not even a single follow up... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
guleria.pankaj - We are sorry to hear that your sweet dog recently needed major knee surgery. Hopefully, rehabilitation is going smoothly. Thank you so much for all the kind words regarding our simple and easy claims process. We are so happy that you have been so pleased with your coverage and handling of your claims. Please give your furbaby a big hug from us!
B
Big A

10/21/2019
I paid premiums for my two cats for 3-years without submitting one claim. When they finally needed treatment the claims were rejected without a clear explanation. I was reminded that the insurance does not cover illnesses or conditions that were present before the date of the insurance. This becomes very subjective. It seems that you are very lucky to get anything paid out by Healthy Paws, and I suspect that the entire pet insurance industry works in the same way. You're better off putting $50/month in a jam jar than giving it to this bunch.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Big Arthur - We're sorry that your kitty wasn't feeling well and that we could not provide coverage for your claim. We’re never happy when we have to deny a claim for a client. We do our best 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. All claim decisions are based off of your pet’s medical records and the signs/symptoms that are noted in those records by your veterinarian. 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. Unfortunately, we cannot find your account in our system with the information in your review. Since we cannot find your account with the information provided, we don’t want to speculate on why we could not provide coverage. If you’re willing, please send the Administrator of ConsumersAdvocate.org an email with your full name/policy number, along with permission to share that information with us. We can have one of our Customer Liaison Managers look into the issue for you and provide more clarification. Give your kitty a hug for us.
ljmb21

10/18/2019
Great company to work with, they seem to really care about our pets and always follow up to make sure my dog is ok if she has had a procedure. I also received a sympathy card from the company when I lost my previous pet.....you don't find many companies that care for their customers the way Healthy Paws does......I am extremely satisfied with their service!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
ljmb21 - Thank you for taking the time to write your review and for the kind words. It's people like you who are helping to raise awarness about the importance of having pet insurance. We are so glad that you have been so pleased with your Healthy Paws pet insurance policy. Please give your pup a big hug from us!
R
Richard O

10/18/2019
Our elderly lab mix recently had a mass discovered during her annual exam. Although the initial diagnosis was very grim, after further ultrasound and splenectomy, the mass was determined to be benign and she is doing well. She has also had two ACL repairs within the past few years. All has been covered by Healthy Paws, we're very glad we've chosen to have pet insurance, and chose Healthy Paws. Especially after losing two previous dogs to cancer. Claims submittal is easy and online, and processing is usually very quick and efficient. I wish our healthcare system worked this well!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Richard - Thank you for the kind words regarding Healthy Paw's easy claims process. We take great pride in making this process as quick and easy as possible for our pet parents. We are sorry to hear that your pup recently had a large growth removed but are so relieved to hear that it was benign. Please give your pup a big hug from us!
D
Devon W

10/18/2019
Most amazing and wonderful pet insurance out there. We have had Healthy Paws since our little guy Fisher was a baby and unfortunately he is a pup that suffers from allergies. They helped us with all the allergy testing to help our pup get some relief. The best part is the check in emails they send to see how your baby is doing. Made me feel so thankful.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Devon - We are sorry to hear that Fisher has been dealing with some ongoing allergy issues, but we are so happy that Healthy Paws has been able to help with the testing and medications. Thank you for the kind words and please give Fisher another big hug from us!
K
Kate

10/18/2019
I cannot begin to properly describe what Healthy Paws has meant for us. Not only have we saved upwards of $12,000 in the past 5 years, we have piece of mind knowing that our beloved pets are covered in emergencies, we don't have to choose life or death. When one of our dogs was diagnosed with cancer and ultimately passed after 10 months, we were given condolences and personal notes. I cannot thank them enough for their care and concern.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kate - We are so sorry to hear about your dog's passing. Losing a pet is never easy but we are happy to hear that our condolences have helped easy some of the pain. Please give all of your pets a big hug from us!
Kathryn L

10/16/2019
I could not disagree more. I've been with healthy paws a little over two years, and my rates have gone up twice. I have not so much as made one claim on my two pets that are on my policy. In other words, I've been paying them quite a bit of money every month, upwards of $80, and they have not covered a single thing. Now, they are raising the rates on all California residents because of the wildfires. What does that have to do with anything? This does not seem like an ethical move! I am looking to leave this company as soon as I can find better coverage for my pets, which will not be too difficult to find. Do not go with this company, you will throw money at them, with little to nothing... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kathryn - We truly understand that no one likes any form of premium increase. We also know you haven't had to file many claims and we hope you don't have to - that means your pet is happy and healthy. Our management team works 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. In no way are premium increases in California related to the devastating fires people are having to deal with. Your monthly premium has gone up because the increase in claim payments has been faster than the premium increases in your state. 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. 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.
E
Eileen U

10/16/2019
Healthy Paws is so easy to use, and they responded very quickly after I submitted my claim, even though I expected a delay. They provided a detailed explanation of how my claim was processed, and even sent an email after processing my claim to check in on my dog. I wish all insurance companies operated like Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Eileen - Thank you for the kind words regarding our quick and easy claims process. We take great pride in making this process as simple as possible for all of our pet parents. Please give your dog a big 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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