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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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Petra

10/2/2019
This is the first insurance I got for my pets and I have to say I am more than glad that I did. I am truly surprised how easy and fast my claims are handled and I also feel they truly care. I had been paying so many vet bill for my other pets before. I wish I would have gotten insurance for them as well.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Petra - Thank you for taking the time to write your review. We are so glad that your customer service and claims process experiences have been so positive! Please give your pets a big hug from us.
Sean A

10/2/2019
My dog has been 'covered' by HealthyPaws for about 4 years. In the last year, he went through a bunch of diagnostics and eventually, about $4k later, it was determined he has DM. Healthy Paws received a claim for the bulk of that (an MRI) in June. They said sit tight, we'll let you know if we need anything else, by email. They have now been ignoring my follow-ups for 3 months, and I think I'm going to have to take them to court to see a penny. But oh, they did remember to raise my rates after I filed the claim!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sean - We apologize for the delay in responding to your emails and that your customer service experience did not meet yours or our expectations. After looking at your account it appears that we never received any new claims or invoices, however, we did receive some medical records back in June. As of today our customer service team has reached out to your veterinarain for the missing invoice and your large MRI claim has been processed. We are very sorry to hear that your pup was ill and please give him a big hug from us!
S
Stacey

10/1/2019
So easy to work with. Always looking out for your four legged babies! Follow ups are fast and communications are hot notch! Would deffently recommend Healthy Paws to all pet owners! Thank you for all you have done for our family!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Stacey - We are so happy that you have been so pleased with your Healthy Paws pet insurance policy. We look forward to protecting your fur babies for many years to come!
S
Sheila Z

10/1/2019
Having two French Bulldogs means we visit the vet more than most! Healthy Paws has always processed our claims and reimbursements quickly, and have answered all our questions in a timely manner.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Shelia - Thank you for taking the time to write your review and please give those sweet Frenchies a big hug from us!
saracos78

10/1/2019
My dog had eaten a stuffed pumpkin toy and needed surgery to remove it. Luckily I had decided to get pet insurance thru Healthy Paws a few months earlier after someone had suggested it. The surgery was $5000 total and Healthy Paws was even able to do a direct pay of their portion straight to the vet so I didn't have to come up the full amount all at once and then wait to get reimbursed. The whole process went so smooth, all I did was email the estimated bill to Healthy Paws and then they dealt with the hospital directly and everything was paid for by the time my dog was discharged. I HIGHLY recommend Healthy Paws!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
saracos78 - We are sorry to hear that your sweet pup recently required a major foreign object removal surgery. Hopefully, recovery is going well. Thank you for the kind words and high recommendations. It's people like you who are helping to raise awareness about the importance of having pet insurance for our furry friends. Please give your pup a big hug from us.
steve.levine17

9/30/2019
Healthy Paws is not some big insurance corporation, faceless and nameless. Claims are processed very quickly and the few times, additional details are requested, it’s a personal email or even a call to help guide one to getting what is needed. This is the way insurance and frankly all business should run. Excellent company. Don’t hesitate to insure your pets’ health.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
steve.levine17 - We are so happy that you have been so pleased with your Healthy Paws pet insurance policy. Thank you so much for all the kind words.
J
Joy B

9/30/2019
Healthy Paws is the best. Their customer service is A1 and their insurance is affordable and will help to give your beloved animals the quality care they deserve. My dog had a horrible accident three years ago and they have been wonderful ever since helping us to keep our baby alive and free of pain. I recommend them to everyone.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Joy - Thank you for the kind words and for taking the time to write your review. We are so glad that all of your customer service experiences have been so positive over the years. Please give your pup a big hug from us!
G
Gwyn j

9/25/2019
I did a lot of research very confusing after reading reviews on all insurance companies. I picked healthy paws and I am very pleased with my decision. Customer service is always willing to help answering all my questions they are always very accommodating. I just filed my first claim and received my refund check in a prompt time. I highly recommend this company!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Gwyn - Thank you for taking the time to write your review and for the kind words regarding our excellent customer service and quick reimbursement process. We are sorry to hear that your pet was ill recently and hope they feel better very soon!
Liane T

9/24/2019
I was very skeptical about pet insurance, but after incurring some hefty bills with my previous dog, I decided that for $32 a month I'd rather have the peace of mind. I signed up my new rescue dog, who was about four years old. A few months later (in April), she started showing signs of patellar luxation, but the vet could not confirm it at the time. I quickly went through my deductible with the medications he prescribed for pain management and joint health, and HP's coverage kicked in right away, no questions asked. More recently, an orthopedic surgeon did confirm patellar luxation. I contacted HP to see if I needed prior authorization for an MPL surgical correction and they said no. Once... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Liane - We are so sorry to hear that your new rescue pup recently required two major leg surgeries. Poor girl. We hope her rehab is going well. Thank you for all the kind words regarding our policy and customer service. We take great pride in having exceptional customer service and affordable premiums. Please give your sweet girl a big hug from us!
M
Mariana

9/24/2019
My two cats have been on Healthy Paws insurance since we adopted them and luckily didn't need to use it... until earlier this month. One of them ended up with an emergency situation due to bladder stones, was hospitalized for 3 nights and had to have an urgent cystotomy. Thanks to Healthy Paws, I didn't have to worry about how would have to afford the $9,000+ bill and instead focused on making medical decisions based on what he needed. Healthy Paws processed my claim far faster than I expected and I received the reimbursement checks in the mail incredibly quickly. If you're looking for peace of mind in the case of an emergency (Healthy Paws does not cover routine exams, dental... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Mariana - Thank you for the kind words and for choosing Healthy Paws to protect your kitties. We are so sorry to hear that one of them recently required emergency bladder stone surgery. Having a sick or injured pet can be very scary and stressful so we are happy to hear that your kitty was able to get the life saving medical care it needed. Please give both of your cats one more big hug from us!
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  • No Enrollment or Administrative Fees
  • No Maximum Annual or Lifetime Payouts
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