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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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F
Flavia

12/20/2020
I could not be happier with Healthy Paws. They have been great with our Shih-Tzu during his treatment. He has cancer and in need of radiation, besides MRIs and C-scans. I do not know how we would do without Healthy Paws.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Flavia - We'er so sorry your boy has to go through all of that treatment. We glad we can play a part in relieving some of the financial strain so you can focus on his well-being. Give him a big hug from us.
G
Gary F

12/17/2020
I’ve been with Healthy Paws for many years, covering six dogs in that time. On three occasions I filed major claims and each time the process was straight forward and efficient. Not only were my claims covered, but someone from the organization always followed up to see how my dogs were doing. That kind of personal touch scores a lot of points with me. I’ve just found that the people at Healthy Paws are friendly and caring, and I can’t recommend them high enough.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Gary - We truly appreciate your being a part of the Healthy Paws family and that we have been able to play a part of making sure all your pups have access to the best available medical care. Thanks for the kind words regarding our claims processing and customer care. Give your babies big hugs from us.
J
James P

12/15/2020
I chose Healthy Paws because of the flexibility in choosing the deductible and coverages, as well as the great reviews. I have had to make two claims thus far for my dog. Submitting the claim could not be easier. (All online as well). Since they had all my dog’s medical history up to date, the second claim was submitted, processed, and paid within 2 business days. I appreciate the follow-up emails as well checking up on her health. I am happy I chose them and highly recommend.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
James - we appreciate your kind words regarding our efficient online claims processing and your recommendation. We're glad we can play a part in your dog's care. Give your girl a big hug from us.
S
stacy a

12/14/2020
Having been a first time dog owner I purchased a Healthy Paws policy for my puppy. Well at 2 years old he developed epilepsy :( As difficult and heartbreaking as the diagnosis was, I was so grateful to have a Healthy Paws policy. This company is amazing! There is no yearly cap on reimbursement, the customer service is so helpful and the claims are processed quickly! I highly recommend Healthy Paws to any pet owner I know! Unfortunately the unexpected happens with our fur babies but having this policy allows my boy to have the best medical care possible!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Stacy - We're sorry that your pup has to deal with those epilepsy issues. Thanks for your kind words and for letting us play a part in making sure your buddy has access to the best available medical care. Give him a big hug from us.
financial

12/11/2020
I have used Healthy Paws to cover the health needs of my two dogs and three cats for several years now. Their level of service and responsiveness has been incredible. I tried other companies in the past, but I found them all to be difficult to work with. I am so glad to have found Healthy Paws. I would recommend them to everyone!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
financial - Thank you for the kind words regarding Healthy Paws service and quick responses to inquires. We are so happy to hear you are so pleased with your Healthy Paws coverage. Please give all of your sweet fur babies more hugs from us!
K
KHD

12/10/2020
My 9-month old kitten Milo had two seizures within a two week period. While it was very scary for us to go through, the peace of mind that we had pet insurance meant I didn't have to worry about affording any of the tests, overnight hospitalization, or medications. The explanation of benefits was very clear each time and the reimbursements were deposited as cash into my checking account within 1-2 days after filing the claims. Claims are incredibly easy to file as well -- all you have to do is upload the itemized invoice from the vet. The monthly premium of $14 is the best investment I've ever made and I couldn't be happier with the ease and delivery of benefits Healthy Paws... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
KHD - We are so sorry to hear about Milos recent seizures. That must have been very scary for Milo and your family. We are so happy to hear that Milo was able to get the emergency medical care that he needed when he needed it the most! Having Healthy Paws pet insurance means you'll always be able to give Milo the very best medical care without having to worry about the cost. Thank you so much for all the kind words and please give Milo another hug from us!
kristy.applebee1

12/9/2020
When we adopted our rescue Skeeter I knew I wanted pet insurance. Prior to adopting Skeeter, we had adopted an English Bulldog and we passed up health insurance on him because of the cost. That was a huge mistake. There is nothing worse than having to make hard choices about your pets health because of the cost. Of course we always did what was necessary to provide our Bull Dog with the care he needed but it hurt us financially. For Skeeter I researched almost all of the pet insurance plans out there and after reading Healthy Paws policy, we decided that was the right plan for us. For the first 1.5 years our minimal claims never met the deductible, so there was no payment to us. Then... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Kristy - We are so so sorry to hear about Skeeters major illness and hospitalization. As you said, having a sick pet can be very stressful and scary. Emergency expenses can add up very quickly which is why having Healthy Paws to help with the medical expenses is so important. We believe that pet parents should always be able to give their pets the very best medical care when they need it the most. Thank you for all the kind words and for taking the time to share your story. Please give Skeeter another big hug from us!
smpuddles

12/3/2020
I adopted my pet and not long after, she needed surgery. This is the first pet I purchased insurance for and boy was I lucky to find Healthy Paws. After looking into several, I chose Healthy Paws and I could not be happier with that decision. My dog has issues as a result of the surgery and HP has been there every step of the way for us. Since her meds are a result of the surgery, they cover her meds and I submit my claim every six months (my choice, not theirs). They have not only never balked at any of the 92 claims and counting, they email every now and then to check on her. HP really cares. My very first claim was over $22K and if you have a claim over $2K, I believe they will... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
smpuddles- We can't thank you enough for all of your kind words and for taking time out of your day to write your review. We're sorry that your pup had to deal with such medical issues, We are so happy that we can play our part in making sure your baby has access to the best available medical care. Please give her a big hug for us!
Leslie T

12/3/2020
I have been with Healthy Paws since 2017. I have been pleased with their response time and ease of filing claims, but with a sizeable deductible, I have yet to receive reimbursement. On October 7, 2020 my dog needed surgery. I filed the claim promptly. No word. I have written numerous times and called customer service. Last week customer service told me it was an “open” invoice from vet. As surgery was completed and I had paid $1300, I was becoming impatient with an apparent non response and run around. The agent called my vet, who responded with the supposedly required paperwork. My recent communication from Healthy Paws still insists that it is “open” and that they need full records now... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Leslie- We are so sorry your dog had to have such a big surgery and that our customer service did not meet yours or our expectations. We appreciate your efforts to provide us with medical records and the time you spent communicating with our team. Unfortunately, we were still missing the required closed invoice to process your claim. Our customer care team reached out to your veterinary hospital on your behalf and was able to obtain the needed invoice information and we were able to proceed with processing the claim. You will receive and explanation of benefits in your email in the next 24-48 hours. We hope that your baby's recovery is going well, please give your pup a big hug from us. The Healthy Paws Team
michaelcecchi100

12/2/2020
We have 2 rescue pit bull and enrolled both in Healthy Paws as soon as they were eligible since both between eight and twelve weeks when we got them. In the almost four years we have had them, there has been a series of health issues, one broke his back, the other has chronic urinary and kidney issues. The cost of care for both would have bankrupted us if not for Healthy Paws. They have never once questioned a procedure, some of which have been costly. We always have receive reimbursement promptly and there is always a follow up inquiring on the Heath of our babies. I would unequivocally recommend them to anyone seeking health insurance.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
michaelcecchi100-We are so happy to hear that you have been so pleased with your Healthy Paws pet insurance coverage and our quick and simple claims process. Thank you so much for the kind words and for taking the time to post your review, it's folks like you who are helping to raise awareness about the importance of having pet insurance and we thank you for that. Please give your babies big hugs 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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