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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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Lisa

2/21/2021
I have a lab...that is reason enough to get pet insurance because they like to chew and sometimes eat random things! Healthy Paws not only provides great coverage, they actually care about how your pet is doing. Every time I talk to a rep on the phone or get an email, they ask how our dog is doing after being treated.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lisa - Thanks for all of your kind words about our coverage and customer care team. Give your Lab a big hug from us.
trammm1995

2/18/2021
Extremely disappointed that they covered $100 on little over $700 vet bill. I am paying over $100 a month for three plus years of coverage. First claim ever . I guess I need to look elsewhere!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
trammm - We're sorry that your baby wasn't feeling well. Unfortunately, we cannot find you in our system using the limited information in your review. We'll provide some information as to what might effect your reimbursement. 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. Anyone visiting our website can see this information on our “Benefits, Coverage and Exclusions” page. Since we cannot look into your account, it's very likely that there may have been some items that fell under our limited exclusions and could not be reimbursed. Your reimbursement is also affected by the deductible and reimbursement level you chose at enrollment. As with any policy with a deductible, the deductible has to be met before any claim reimbursement. We hope your buddy is feeling better.
L
Laurie P

2/13/2021
I got Healthy Paws Pet insurance a little over four years ago for my dog Jax who I adopted. This January he got very sick with a rare condition called Sterile Nodular Panniculitis. He was in the hospital for a week, had surgery and is on all kinds of medicine. His treatment is ongoing. The costs for all was so high. I don’t know what I would have done without Healthy Paws. They covered 90 % of all costs indicated in my contract after my deductible. Claims were processed quickly, customer service so helpful for my many questions and payment made quickly. I highly recommend Healthy Paws Pet Insurance.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Laurie - We're sorry that Jax is having to deal with that serious condition, but glad we can be there to help alleviate some of the financial stress. We appreciate your kind words regarding our coverage, customer service and quick reimbursement. Give Jax a big hug from us.
S
Susan T

2/8/2021
My 15 month old dog needed extensive testing for a lung problem. Healthy Paws made it possible for her to get the recommended care. The claims process was easy and fast and I have been reimbursed almost $3,000. I dragged my feet when thinking about getting insurance, thinking “what’s the likelihood of such a young dog needing this level of veterinary care?” Turns out to be the smartest decision l could have made.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Susan - We're sorry that your baby was having those serious respiratory issues and hope she continues to feel better. We appreciate all of your kind words about efficient claims and reimbursement process. Glad we can play a part in making sure your babies have access to the best available medical care. Give your pups hugs from us.
N
None

2/3/2021
I’ve been using Healthy Paws to insure my pup for nearly two years now. When I first got my pup I did quite a bit of research on the various companies offering pet insurance. I was drawn to Healthy Paws’ simple benefits structure, as well as not having a cap on benefits per incident nor lifetime (super important!). They also had the highest user rating and seemed to be competitively priced with others, so I decided to give them a try… and I’m happy to say that to date they’ve delivered. I’ve made a couple sizable claims, and both were seamlessly paid out as expected with zero interaction from me other than submitting photos of my vet bill. If you’re in the market for pet insurance I... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
None - Truly appreciate you being part of the Healthy Paws family. We appreciate the kind words regarding our claims and reimbursement process. Give your baby a hug from us.
K
Kathleen B

2/3/2021
They have been so helpful when it comes to getting the care my dogs need! I have one dog on allergy meds, who has had a ACL surgery, and was recently hospitalized. It would be impossible to manage if I did not have Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kathleen - We're sorry sorry that your baby needed that major leg surgery, but glad we can be there to help alleviate some of the financial strain. Give your baby a big hug from us.
T
tanya

2/3/2021
We've had Healthy Paws Insurance for about 7 years now. They have helped us get through 2 big emergency hospitalizations. Very easy to navigate the app, and they reimburse you within a few days of submitting your claim. I recommend them to anyone who is thinking of getting their own pet!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Tanya - Thanks for being part of the Healthy Paws family for the past seven years. We're so happy that we have been able to play a part in making sure your baby has had access to the best available medical care. Thanks for the kind words about our phone app, efficient claims and reimbursement process. Give your baby a hug from us.
P
Pamela E

1/26/2021
Healthy Paws Pet Insurance is the best pet insurance that a pet owner can possibly have, and I have had my pets covered under their pet insurance since 9/30/14 when I first got my 2 chocolate lab fur babies as pups, and I am so grateful that I did!!! Sadly one of my dogs passed away from bone cancer two years ago, and Healthy Paws provided great customer service and fast claim reimbursements during the time Bronx was being treated for cancer. And just recently, my second dog, Harley, had to have surgery to have a mass removed, and as always, Healthy Paws Pet Insurance provided great customer service, and fast claim reimbursement for Harley's surgery as well. Healthy Paws truly cares... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Pamela - We truly appreciate you bing part of the Healthy Paws family since 2014. We can't thank you enough for all of your kind words regarding our customer service, claims processing and efficient reimbursement process. Give your baby a big hug from us.
midwifescherer

1/25/2021
I am so thankful that we had Healthy Paws after my mischievous little yorkie decided to eat a bunch of bird seed that fell from it's feeder and ended up needing surgery for a bowel obstruction. Submitting a claim could not be simpler (just a photo on my phone of the invoice) and it is reviewed within 10 days. No one should ever have to make medical decisions based on cost, but we all know that we do, particularly for our pets. Knowing I was covered by insurance was so reassuring during our difficult time. Update- after two days of inpatient antibiotics and recovery, the little man is back home.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
midwife - We're so sorry your baby had to have that major tummy surgery, but glad he is doing well in his recovery. Happy to play a part in relieving some of the financial stress so you can concentrate on his well-being. We appreciate your kind words about of claims and reimbursement process. Give your boy a big hug from us.
L
Lingyan

1/20/2021
Great insurance. It’s affordable and also reliable.They process the claim very fast.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lingyan - We appreciate your kind words and glad we be there when you needed us. Give your baby a 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
  • Most Claims are Processed in 2 Days
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