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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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J
Jill B

11/19/2020
Healthy Paws has made me wonder if they are a scam. They claim my dog’s UTI is actually pre-existing prostatic disease. This was determined by a review of symptoms even in the face of a definitive diagnosis. A guess at best as they won’t cover the MRI to determine. With the two organs certainly separate and the issues occurring after insurance was purchased. You just gotta wonder. Is this company legitimate and do they really care about helping your pet? Their pre-existing claims are dubious at best and their alleged third party vet that they send cases to in dispute are kept anonymous. If it was legitimate, why would they do this. Should be public knowledge, wouldn’t you think. How can... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Jill, We're sorry that your baby is having urinary tract issues. 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 (veterinary exam fee). Anyone visiting our website can see this information on our “Benefits, Coverage and Exclusions” page. All claim decisions are based off of your pet’s medical records and the signs/symptoms that are noted in those records by your veterinarian. Since it was noted that your pet displayed clinical signs of the urinary issues prior to the policy effective date we are unable to cover any treatment for this condition. Per your request, a formal request for a 3rd party appeal was initiated for your claims. As our policy states, an independent third party veterinarian is to be appointed by us and their decision on the appeal is final and binding on all parties. As our Customer care team member covered with you, this veterinarian is not on our payroll and is not a Healthy Paws employee. Our team provided you with the details of the third party veterinarian's findings and decision on the appeal via email. Give your baby a big hug from us. The Healthy Paws Team
W
wattnone2

11/18/2020
Unbeknownst to us, our English bulldog puppy, Bow, came to us with a wide variety of maladies, probably due to poor breeding practices. A friend suggested that I get pet insurance because veterinary care has become expensive. She suggested the one she used, but I investigated a number of companies and chose Healthy Paws. Bow has had multiple eye surgeries, multiple leg surgeries and she has now developed some sort of liver ailments. Over a 5 year period, they have reimbursed me thousands of dollars. You may choose different levels of reimbursement - I chose 70%. They made it easy to file a claim by simply posting a picture of the bill via a cell telephone app. I have always... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Wattnone2- We are so sorry to hear that your sweet pup Bow has had to deal with some unfortunate health issues over the years. Having a sick or injured fur baby is very stressful and scary and almost always very, very expensive. Healthy Paws allows pet parents to focus on what really matters, the health of their pets, rather than the cost of their care. Thank you for the kind words and for sharing your story. We are so happy that Healthy Paws has been there for your and your fur baby when you needed us the most. Please give Bow one more big hug from us!
C
catherine

11/17/2020
I've had my babies insured with Healthy Paws since 2015, and for first couple years I thought about removing it because we hadn't used it. So glad we didn't. Three years ago one of my boys had to have TPLO surgery and we just didn't have the upfront money that you're supposed to pay. After speaking with my vet and Healthy Paws they agreed to do a direct pay. Day of surgery came and they were true to their word, what's more they sent the payment over within 24 hours of receiving final bill. What's more they follow up with me via email and phone to see how Chance was doing and even sent him a get well soon post card. Most recently we've also had to get two growths removed on Chance. Again,... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Catherine - We are sorry to hear about Chances major leg surgery and recent growth removals. Having a fur baby go through a major surgery is never easy and we are so happy to hear that Chance is doing much better now. Thank you for the kind words regarding our caring customer service and comprehensive coverage. Please give Chance a another big hug from us!
N
Natalie W

11/17/2020
Healthy Paws has been a wonderful insurance provider for our pet family. We are huge animal lovers and currently have two Boston Terriers and we also had two other Boston Terriers that have since passed away in 2016 and 2018. Every single one of our dogs has been covered by Healthy Paws insurance and the claims process is incredibly easy and super smooth, unlike any other insurance company that I've ever dealt with. In addition, they have covered some expensive procedures on our pets and always allow us to make the right health decisions for our pets based only on their quality of life and not the cost of health care. I cannot express how much this alone has meant to us. The staff at... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Natalie - Thank you so much for taking the time to share your dog's story and for all the kind words regarding Healthy Paws amazing pet insurance. Our condolences on your passed pups. We are so happy that Healthy Paws has been such a helpful addition to your family. Having Healthy Paws means you'll never have to worry about being able to afford the very best veterinary medical care if another emergency arises. Again thank you so much for the kind words and please give your fur babies another big hug from us!
L
Lindsey

11/17/2020
Don't waste your time or money. They denied my claim on my kitten because previously he had a hairball when he was smaller and because I used words like "hacking" and "breathing weird" they said he had pre sign up symptoms. Per my vet and medical records my cat was diagnosed and treated for a hairball. He was not diagnosed with or had problems with asthma until 8 months later when he was diagnosed with kitty asthma. He obviously was breathing weird because he was trying to cough it up. Much different than how he is now. They obviously are just going to search for a reason to not help than help. Spread the word and avoid healthy paws if you want my advice! Btw, I'm a nurse, the breathing... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Lindsey- We're never happy when we can’t cover a claim for a client. All claim decisions are based off of your pet’s medical records and the signs/symptoms that are noted in those records by your veterinarian. Most pet insurance companies including Healthy Paws use a pet's medical records to determine if there are any pre-existing conditions which would keep us from approving a claim. As noted in the email you received from our claims team, since the signs/symptoms of your kitty’s issue were noted in the medical records prior to enrollment, we could not provide coverage. We are sorry to lose you as a policyholder and hope you and your kitty stay well. The Healthy Paws Team
bennpick

11/17/2020
I have had Healthy Paws insurance for two years now and they helped give me peace of mind with my dog. He has gone in for two unexpected procedures, which were thankfully offset by Healthy Paws. Healthy Paws services were speedy and easy to submit to.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Bennpick - Thank you for the kind words regarding Healthy Paws speedy and easy claims process. We are so happy to hear that Healthy Paws was there for you and your pup when you needed us the most. Please give your dog another big hug from us!
G
Gail

11/16/2020
My claims have been answered very quickly and no compaints about the coverage. Coverage is as advertised. It is a must for any pet owner. Just like humans, vet bills can be really high if something unexpected happens. Worth every penny.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Gail - We are so happy to hear that all of your Healthy Paws pet insurance experiences have been so positive. We couldn't agree more that Healthy Paws pet insurance is a must for any pet owner. Thank you so much for the kind words and please give your sweet fur baby a big hug from us!
greig.lavine

11/13/2020
As a pet owner we only want the best for them and selecting Healthy Paws as our pet coverage was one of the best decisions we made for our fur babies!! Thank you for being there when it counted!!

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Greig - Thank you for the kind words and for taking the time to post your review. We are so glad we were able to help you and your fur baby when needed us the most! Please give your pet a big hug from us!
broganmiller27

11/12/2020
Healthy paws has supported me and my pup beyond expectations. Claims are processed fast and fair, your refund arrives quickly, and I have never had to dispute anything. When I have had to talk to representatives, I never felt like I was talking to an insurance company that was "out to get me". I have been talking to gracious folks who care more about getting my pup the helps he need more than making sure I'm a net profit. Dealing with Healthy Paws has been nothing but wonderful, and I am thankful to be their customer. I am equally grateful for all their employees that have supported me. I will be a lifelong customer.

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Brogan - We can't thank you enough for all of your kind words regarding our customer care team. We are so happy that we can play a part in your pup's care. Have a great weekend and give your pup a big hug from us.
Mike J

11/12/2020
I just wanted to advocate for the use of HealthyPaws stating just how excellent we feel about the coverage. Their speed to resolve and pay claims and overall service is remarkable. Too often you probably hear complaint emails, and don't hear about the good. Well, currently we are really enduring a challenging time with our large breed dog with Lymphoma in her GI and is terminally ill. From the time claims are submitted to the time the money is reimbursed is astoundingly quick which really takes the stress out of an already stressful and emotional situation. Kudos to the HealthyPaws organization, the specific team that manages the claims from our family to yours we offer a very warm and... Read More

Tim  
Official Response

Customer Care of Healthy Paws Pet Insurance
Mike-A big thank you for being part of the Healthy Paws family. We're sorry that your baby has had some serious medical issues, but we're happy to have played a small part in making sure she has access to the best available medical care. Thank you for the kind words regarding claims processing and quick reimbursement. Give your girl 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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