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Healthy Paws Pet Insurance Review

3,291 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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3291 Customer Comments & Reviews

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Sarah D

5/3/2021
I cannot say enough good things about Healthy Paws. My husband and I have had our beloved boxer Cali for almost seven years now, and we signed up for Healthy Paws immediately when we got her as a puppy, knowing that our choice to get a purebred dog meant a higher possibility of health issues. It was the best decision we ever made, as our poor girl has been through a lot! We have gone through chemotherapy and radiation for mast cell cancer, two knee surgeries, and an ankle surgery. Every step of the way, we have been so grateful to Healthy Paws for allowing us to not have to worry about the cost of a procedure or treatment, so we can focus on whatever the best option is for our sweet... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Sarah - Thank you so much for all the kind words regarding Healthy Paws amazing coverage and quick claims process. We are so happy to hear that you have always been so pleased with your claims and customer service experiences as a Healthy Paws family member. We are sorry to hear that your poor pup has had some health issues and major surgeries over the years. Having a sick or injured pet can be very stressful which is why having pet insurance to help with the expenses is so important. Thank you for taking the time to post your review and please give your sweet girl a big hug from us!
corbinschoch

5/1/2021
I can't believe an insurance company is this easy to work with. They covered what they promised (no mis-leading fine print) and the reimbursement process was super quick and painless. We saved thousands on our dog's CCL surgery. I've recommended Healthy Paws to everyone I know with a pet.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
corbinschoch - We are so sorry to hear about your pups major knee surgery and hope the recovery process is going smoothly. Thank you so much for the kind words, and for taking the time out of your day to post your review. Please give your pooch another hug from us!
sirousjafari

4/30/2021
You can have pet with no insurance whoever you do not know when they get sick, Vet visits are not cheap. Having insurance at such low rate gives you the protection ,you and your pet deserves, It is responsible thing to do . Our Cat ate a piece of String and got stock and by the time going through surgery and other MISC , cost over $11K and Thanks for HealthyPaws insurance , they covered it. You welcome to use my name, HealthyPaws insurance is reputable insurance company , they stand behind their coverage 110%

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
sirousjafari - Thank you so much for all the kind words regarding your Healthy Paws experiences. We are so happy to hear that you have been so pleased with your coverage. We are sorry to hear about your cats major surgery and hope it is doing much better now. PLease give your kitty another hug from us!
Will T

4/26/2021
I love HealthyPaws Pet Insurance! They respond quickly to any questions or requests and process claims in a matter of days, resulting in a nice check just a few days after our vet visit. I only wish that they provided Human Insurance because I'd sign up with them immediately.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Will - Thank you so much for the kind words regarding Healthy Paws quick customer service responses and about Healthy Paws quick, and easy claims process. Please give your fur baby more hugs from us!
Veronica G

4/24/2021
What I do not appreciate as I made a claim on my cats broken leg. Is that the deductible is really not what it says. They take your claims, and my coverage on my 10 year old cat was dropped to 50% this year with $1000. Deductible. What this means? Well they discount all claims first by 50% first, so your actually deductible is $2000 before they pay a penny! So my $6000+ Claims over the last few weeks may get me a reimbursement of $1900. Do the math. So read the fine print!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Veronica, We are sorry to hear that your kitty had that major leg injury. In regard to the reimbursement level and deductible for your baby, that has remained constant since your initial enrollment. We do our best to be transparent regarding how our reimbursement calculations work. We include this information (including examples) on our website within our "Frequent Asked Questions" page, and on our "For Customers" page within our website. Our process for calculating reimbursements are approved by each state's Department of Insurance and are based upon the deductible/reimbursement level a client chooses at enrollment. There are many pet insurance companies that use this same method for determining reimbursement amounts. We hope your baby makes a complete recovery from their broken leg. Give your kitties big hugs from us.
lynnejones8112

4/21/2021
My pup tore his cruciate ligament and had to have surgery and rehab. Healthy Paws has been very responsive and quick with all the claims that I have submitted. They covered exactly what was stated in the policy. I have had no issues with the many claims that I submitted from this incident. I have been very pleased with their response and coverage.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lynne - We are so sorry to hear about your pups major knee surgery and hope he is recovering smoothly. Thank you so much for the kind words and for taking the time to post your review. We are so happy to hear that you have been so pleased with your claims experiences. Please give your pup another big hug from us!
patriciarogers038

4/20/2021
Heslthy paws charged me 55 a month and within two years increased me to 101 a month, I never submitted one claim.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
patriciarogers038 - We appreciate you being part of the Healthy Paws family and understand no one likes any form of premium increase. From your review we also know you haven't had to file any claims and we hope you never have to--this means your pet is healthy and accident free. 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. Premiums are determined based on the rates and rating rules filed and approved within each state’s Department of Insurance. These reflect the cost of treatment, advances in veterinary medicine (including specialty care), 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 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 specialty and emergency 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. Give your pup a big hug from us.
C
Connie R

4/15/2021
Hello, I am looking to insure my Golden Retriever, Murphy, who will be 4 yrs old Sunday, April 18th. I currently have insurance, but want to change companies. Murphy has allergies, and is on Apoquel when needed. Would you cover that medication for him, as it,s preexisting? I like that you pay the per cent age of the Actual bill, and not what is aloud, is that correct? What about preventative flea, tick, and heart worm monthly meds, and annual injections, do you cover those? Can you send me that info and a rate for Murphy, 90% , $100. Deductible. Thank you .....Connie Rosensteel

ksnooz56

4/11/2021
Healthy Paws recently covered my dog's leg surgery. They were quick with response time and the claim went from submission to benefits declaration within about a week, including the Easter Holiday. I've been impressed with their customer service and the ease of website navigation. Their monthly premium is also very reasonable compared to other pet insurance companies out there.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
ksnooz56 - Thank you so much for the kind words regarding your recent claims submission experience and our easy-to-use website. We are so happy to hear you have been so pleased with your Healthy Paws pet insurance policy. Please give your pup another big hug from us!
Robin S

4/9/2021
I switched to Healthy Paws after talking to a co-worker about the problems I was having with my previous pet insurance company. Best decision I ever made. Healthy Paws is amazing and so easy. I have submitted my claims and gotten a check within a week. I could not be happier with Healthy Paws. They even sent me an email checking in on my pet after she had surgery. I 100% recommend Healthy Paws to all pet owners.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Robin - We are so happy to hear that you have been so happy with your decision to join the Healthy Paws family. Thank you so much for all the kind words and for taking the time to post your review. We are sorry to hear that your pet needed major surgery and please give her another big hug from us!
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  • Trusted by More than 625,000 Parents
  • No Enrollment or Administrative Fees
  • No Maximum Annual or Lifetime Payouts
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