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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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Taylor K

3/21/2019
We've had Healthypaws insurance for over 2 years now. Unfortunately, we just recently had to use it for the first time. I am now telling everyone I can about Healthypaws and the need for insurance on animals. We would do anything for our Lily and thankfully we won't be hurting financially because of Healthypaws. Claims are super easy to file and it only took about 12 days to get our checks in the mail. Thank you Healthypaws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Taylor - So glad we could be there for you and Lily in her time of need. We appreciate the kind words regarding our claims process and reimbursement. Give Lily a big hug from us!
Amanda M

3/21/2019
Healthy Paws has been amazing to work with. My dog needed emergency eye surgery - Healthy Paws was quick to cover it and we couldn't have done it otherwise. They even followed up with us to find out how our dog was doing. Wouldn't go with anyone else.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Amanda - Thanks for all of your kind words. We hope your pup is having an uneventful recovery from the eye surgery. Big hugs to all!
D
Daniela

3/21/2019
We are so greatful and lucky to have chosen Healthy Paws for Baloo. We honestly thought that it was just a perk, that having pet insurance wasn’t necessary but after going through a surgery and exams, we are so so happy we did! They have been great through the process, the app is super easy to use and the claims go through in no time, it has been such a relief known that our furry friend is getting the best treatment and it’s all thanks to Healthy Paws. They are truly caring and want to be there for you. I recommend them to all of my friends that have a pet!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Daniela - We're glad we can be there for you and Baloo. Really appreciate all of your compliments regarding our phone app, customer care team and reimbursement process. Thanks for recommending us to your pet loving friends. Give Baloo a big hug from us!
Rachel H

3/21/2019
I'm so happy I have this insurance. My dog had an emergency surgery and Healthy Paws really showed up for me. During the stressful time it took a lot of stress off my mind. I called almost every day with questions and all the representatives were kind, understanding, helpful and patient. They took care of claims right away and I got reimbursed quickly. Thank you!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Rachel - We really appreciate all of your kind words regarding our customer care team. We're glad we could relieve some of the financial stress and play a part in making sure your baby has access to the best available medical care. Give your buddy a big hug from us!
Patty W

3/21/2019
My dog just had to have emergency surgery and I'm so impressed with the experience I have had with Healthy Paws. The submission process was simple and I was able to do everything online. The claim payment also arrived so much faster than I had anticipated. For the small monthly premiums I pay, it is worth every bit of assurance that I have that I never have to make a decision between the health or our beautiful dog and potentially devastating expenses. Thank you Healthy Paws!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Patty - We're sorry that you pup had to have emergency surgery and hope the recovery is going well. We appreciate your kind words regarding our claims process and reimbursement. Happy to help relieve some of the financial stress. Give you pup a big hug for us!
D
Darcy

3/20/2019
Great program, super easy to use with their app, and awesome customer service. All I have to do is submit photos of my itemized vet receipts through the Healthy Paws app to get reimbursed! They have options to get reimbursed by check or direct deposit and they provide updates throughout the claim process for you. I’ve submitted dozens of claims over the past 6 or so years for my dog who has multiple issues and I’ve always been pleased with Healthy Paws!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Darcy - Thanks for the high praise for our customer service and phone app! We appreciate you and your pup being part of the Healthy Paws family over the years. Give your buddy a big hug from us!
Lynn S

3/20/2019
I don’t understand how this company is rated number one we have used them for two years. We had one incident when our Golden Retriever was a puppy with diarrhea. Our vet had to literally write a letter to insurance to have it covered. Then while on vacation my auto pay didn’t go through after two years of paying on this policy. They cancelled my insurance and tell me I must go through another year waiting period to start over. I also called them leaving a message as soon as I read my email they called me back at 4:30 AM not seeing I live in Hawaii. Poor customer Service no empathy out only for the dollar

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lynn - We sincerely apologize for our team member calling you so early in your AM. It was not on purpose or for lack of caring, just an inadvertent error. We've provided some additional training for that team member so this does not happen to any other pet parent. A Healthy Paws policy is continuous until either canceled by the policyholder or if there is non-payment of premiums. We understand that there are times a policyholder’s credit card used on the policy could be compromised by fraud or that there may be a change in bank accounts, expiration date, etc. In a case where a credit card transaction for premium payment is declined in your state, we send two emails to the policyholder informing them of the issue using the email address within their account, we re-try the credit card on file two more times and finally we mail a notice of cancelation prior to the cancelation effective date. You are correct in that a new policy would have to be set up since your original policy had to be canceled, but the waiting period for any policy is 15 days for accidents/illnesses, not a year. This was an unfortunate incident since you were not able to check your emails. Unfortunately, insurance industry regulations do not allow for the reinstatement of a canceled policy once outside of the notification period.
Amber H

3/19/2019
There are truly not enough good things I can say about the people who work for healthy paws and the company in general. They have gotten me and my pets through the most difficult times and made those times manageable. I've called them in tears and their response is "Take care of your baby. Get her to the emergency room and we got you!" They are always so kind and understanding, obviously love animals, and want to do what they can to help you. I tell everyone I know to get them. That the reality is at some time in your pets life, something is going to happen and it will be expensive. Healthy Paw's reasonable monthly rates and low deductibles, make it so you don't have to think twice about... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Amber - We appreciate all of your kind words in regards to our team/policy and the time it took for you to write your review. We're happy that we can reduce some of the financial stress when it comes to your baby's care. Give your buddy a big hug from us!
Andrew R

3/18/2019
I wrote this letter of thanks to Healthy Paws and wanted to share it with other dog owners, especially the ones looking for health insurance for their pets. I have used two other companies before I found Healthy Paws and believe me the difference is night and day. I could not be more satisfied with the services they provide and the manner in which they provide them. Tim and all of the people that are Healthy Paws, Thank you. Thank you for having a company that has realistic policies and a positive manner. Thank you for always following up on my dogs welfare and recovery. Jet is doing remarkably well. Though the recovery period is going to be very long she is a trooper and will get... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Andrew - Thanks for taking the time out of your day to write your review. We're so happy that we can play a part in assuring Jet has access to the best available medical care. We really appreciate the recommendation to your clients. Give Jet a big hug from us!
Cindy O

3/18/2019
After bringing home my yellow lab puppy & 2 weeks later having him swallow a sock I thought it would be a good idea to get pet insurance. I have heard from others how dissatisfied they are with their other pet insurance but Healthy Paws is wonderful. Claims are processed quickly and I do not hesitate to call and ask them questions. They are always courteous and professional. My baby had to have major orthopedic surgery at 10 months and Healthy Paws has been a big help. They even send me emails to check and see how he is doing. I highly recommend them.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Cindy - We're sorry your baby had to have that major surgery. Thanks for the kind words regarding our customer service and claims processing. Give your baby 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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