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Healthy Paws Pet Insurance Review

3,335 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 Do We Rate Healthy Paws?

Breakdown

4.5/5
Coverage
4.0/5
Cost
4.0/5
Extras

Our 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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3335 Customer Comments & Reviews

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LINDSEY C

2/24/2021
Very happy with Healthy Paws! I'm so grateful that we've had our pet insurance in place to cover illness-related expenses for our cats!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lindsey - We're glad we can be there for your kitties if and when they're not feeling well or have an accident. Give them big hugs from us.
J
James W

2/23/2021
Be sure you're fully aware of the different plans, what a deductible is, and what's covered (not preventative health and not the actual exams) so that you are not surprised. That said, I have healthy paws for both my dogs. Submitting claims and getting reimbursed is so fast and easy. Other than just requesting additional information, I have never had an issue with payment in over five years... and the peace of mind of having insurance is invaluable!!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
James - We're glad we can play a small part in the care of your pets. Thanks for the kind words about claims and reimbursement process. Give your pups big hugs from us.
robin_webb

2/22/2021
I wish I could say I never had to use my Healthy Paws pet insurance but I have on numerous occasions for my two Pomeranians and I will forever be grateful that I had Healthy Paws coverage. It was a godsend when I was told that both of my pups needed surgery on both of their back knees w/in months of each other. And while we would have paid to have this done regardless, it was such a relief knowing our out-of-pocket cost for these expensive procedures would be a small fraction of what it would have been otherwise. It allowed us to focus on what was important - getting our pups the procedures they needed and not having to worry about the affordability. I have made a point to tell friends... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Robin - thank you so much for taking time out of your day to write your review. We're sorry your babies had to have those major surgeries, but glad we could relieve some of the financial strain so you could focus on their recoveries. We appreciate the kind words regarding our customer care team and coverage. Give your babies big hugs from us.
J
jared

2/21/2021
Healthy Paws provides excellent technology to help ease submitting claims. Their team is full of people who provide great customer service and they always put my pet first. I highly recommend using them.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jared - We're glad we can play a part in making sure your baby has access to the best available medical care. We appreciate your kind words about our claims submission process and customer service. Give your baby a big hug from us.
L
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.
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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.
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Rated "Best Choice Overall" by Mashable

  • No Maximum Annual or Lifetime Payouts
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