Secured with SHA-256 Encryption
Select Page

Healthy Paws Pet Insurance Review

FREE Insurance Comparison

Compare quotes from the top insurance companies and save!

Secured with SHA-256 Encryption

Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

Full Bio →

Written by

UPDATED: Nov 30, 2018

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Healthy Paws Pet Insurance
Premiums
Claims
Feedback
Financial Strength



Healthy Paws Pet Insurance & Foundation combines a comprehensive pet insurance program with a non-profit foundation helping homeless pets. They provide policies for dogs and cats across the country.

About Healthy Paws

Healthy Paws Pet Insurance and Foundation was created in 2009 by a no-kill shelter executive director and a visitor to the shelter – a former insurance executive – who both adopted his dog there and helped with fostering of animals. They created it to act as both a pet insurance plan for pet owners as well as a foundation that would help provide assistance to homeless pet shelters.

The insurance plans offered by Healthy Paws are underwritten by global insurance giant Chubb Group, and the company also partners with insurance broker Aon Corporation. Both of these big names offer solid financial backing for Healthy Paws.

Through the Every Quote Gives Hope program, Healthy Paws makes a donation to one of several pet shelters across the country for every quote requested on the website. The company also sponsors and Animal Advocate Scholarship and a Veterinary Student Scholarship annually, and also provides major grants each year to several pet rescues.

Healthy Paws is headquartered in Bellevue, Washington, and covers pets across the U.S.

Best Pet Insurance Company
Get A Quote

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Healthy Paws Pet Insurance

Healthy Paws writes pet insurance policies for cats and dogs of all ages, although requirements and rates vary based on the pet’s age.

What is Covered

The program does not include any wellness or preventative care coverage and is designed only for unexpected accidents, injuries, and illnesses. Covered services include:

  • Diagnostic tests
  • Medically necessary treatments
  • Hospitalization
  • Surgery
  • Prescription medications

There are a number of exclusions, including:

  • Pre-existing conditions
  • Examination fees
  • Dental care
  • Behavioral treatment
  • Non-FDA approved supplements
  • Boarding

Certain conditions have a waiting period before they are covered under the policy; an example is hip dysplasia, a common condition in older dogs. This condition is covered only if the pet is under 6 when enrolled and has a 12-month waiting period after enrollment.

Benefits

Like most pet insurance, Healthy Paws operates on a reimbursement basis. The policyholder will be responsible for paying veterinary bills up front, and then a claim can be submitted for reimbursement in the amount allowed by the policy.

Claims can be submitted after the initial 15-day waiting period that follows enrollment.

An annual deductible applies to each policy, after which plan benefits kick in. The website states that covered services are reimbursed at up to 90%. The actual amount of reimbursement and deductible amount are selected by the policyholder at the time of enrollment.

Available reimbursement rates are 70, 80, or 90%. Deductible selections are $100, $250, or $500.

With the Healthy Paws plan, policyholders can take their pets to any veterinarian. There are no caps on reimbursements.

Rates

We ran a quote using the sample of a one-year-old medium mixed breed dog, using a California zip code.

The suggested coverage rate returned was a reimbursement rate of 80% with a $250 deductible. The premium for this coverage came out to $31.48 a month.

At the highest level of coverage (90%) with the lowest deductible ($100), that rate went up to $44.85 a month.

We then ran a rate quote for a mixed breed cat, also a one-year-old, in the same zip code. The mid-range rate for 80% coverage and a $250 deductible came out to $18.71 a month.

Bumping up to the highest level and lowest deductible, the sample cat rate came out to $26.33 a month.

At the lowest coverage levels, our dog quote was $24.51 a month, and our cat quote was $14.73 a month. These match up with the website’s statement that rates start at $15 for cats and $25 for dogs.

All plans have a $25 initial setup fee. Overall, these rates are reasonable for the coverage offered, and lower than what we have seen elsewhere for similar coverage.

Claims

Healthy Paws accepts claims online, where the policyholder need only upload the itemized invoice from the veterinarian, there is not a claims form required, although they do offer the option to fill one out and send it in via email, fax, or standard mail. There is also a toll-free line to obtain assistance with filing over the phone.

The company also has a mobile app where claims can be submitted and followed.

According to the FAQ, Healthy Paws will work to pay the vet’s office directly in the event that the policyholder is unable to afford to pay the bill up front. In this situation, Healthy Paws will expedite the claims process and pay the claim as soon as possible.

The standard turnaround time for processing claims is 10 days, with payment issued within 24 hours of processing completion.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Enrollment

Enrollment in Healthy Paws can be completed online or over the phone.

In order to be eligible for coverage, each pet must undergo a full physical exam by a licensed vet. For pets under 6 years old, that exam must have been done in the 12 months prior to enrollment, or within 15 days of enrollment. For pets over 6 years old, the exam must be done 30 days prior to or within 15 days of enrollment.

If a claim is filed and the exam is not found to have been completed, that claim will be denied. Healthy Paws doesn’t require a full medical history upon enrollment, but they will request it at the time of the first claim.

Healthy Paws offers a 30-Day Free Look Period, which allows cancellation within the first 30-days with a full refund as long as no claims have been submitted.

Ratings and Consumer Reviews

Healthy Paws has an A+ rating with the Better Business Bureau (BBB), where they have been accredited since 2011. There are 31 complaints on file in the past three years, with 16 closed in the past 12 months. The BBB’s reviews section features 43 positive and 19 negative reviews, a 69% positive rating.

There are eight reviews of Healthy Paws on Consumer Affairs, resulting in an overall rating of just below 2 stars. Six of the ratings are one star, and they cite issues with increasing premiums and denial of claims.

The company’s Yelp page has a lot more to offer, with 360 reviews. The overall star rating here is four stars, with many positive reviews discussing a good customer service experience and fast claims handling. There are also negative reviews that again focus on denied claims and increasing premiums. Many of the denied claims appear to be the result of misunderstanding what is covered on the policy, a common issue across all forms of insurance.

The positive reviews on Yelp provide a strong counterpoint to the negative ones; in fact, there are far more positive reviews than negative ones across all platforms.

The Bottom Line

Healthy Paws offers straightforward pet insurance for injuries and illness, with a few different coverage choices to help fit your budget. They have a good reputation and do a lot of good work with pet rescues and shelters across the country as well. Adding to that reasonable rates, this company is a good choice for accident and illness pet insurance.

Best Pet Insurance Company
Get A Quote

Summary
Review Date
Reviewed
Healthy Paws Pet Insurance
Author Rating
51star1star1star1star1star

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

2 Comments

  1. I have been a customer of Healthy Paws for over 5 years now. I’ve had two of my pets covered with Healthy Paws within that time. I’ve never experienced huge increases in premiums with my first pet’s insurance. She was covered for nearly 4 years, but that pet has since passed. Currently, I only have one pet covered since Jan 2016 with a premium of $39.72/month. After one year it increased slightly to $43.70/month, which is reasonable. However, the next year it jumped to $54.18/month, and they just raised it again to $67.81/month this year. These are substantial increases, which they justify as the increased cost of vet care. They really put pet owners in a bind and forcing them to choose between what they can afford and their pet’s life. Starting over with a new pet insurance company will make our pet ineligible for certain coverage based on new health conditions that have been found since then. Healthy Paws says that rates are not affected by the number or nature of the claims that we submit, but I do not believe them. Unfortunately, we have had to submit many claims for our accident-prone dog, so it’s a suspicious coincidence that the premiums keep jumping up. I am not a happy customer of Healthy Paws and hate how they are taking advantage of the situation that many other pet owners will face.

    Reply
    • Thank you S for your candid comments and the identification of the numerous cost increases that Healthy Paws practices.

      My wife and I submitted Surgery Estimates from the UC Davis Vet Hospital for our pure-bred Daschaund-Poppy The Puppy-for dental and cleft conditions.

      HP told us that these were Pre-Existing Conditions and not covered by our policy, which we contested that these were Congenital Conditions.

      The HP web site clearly states that their Coverage’s include Congenital Conditions.

      Prior to this discussion on covered versus non-covered HP tried to tell us that our present insurance rates were wrong. Because they stated that Poppy was a mixed-breed and not a pure-bred so that the premiums would be increased.

      I found that this was a great diversion to take our focus off of the surgeries Poppy needs. Perhaps they thought that we would cancel the HP coverage’s due to the proposed Premium increases.

      In any case HP needs to rethink what Pre-Existing and Congenital conditions mean and cover Poppy’s badly needed surgeries. (Dental/Cleft Surgeries Estimated to Cost $ 5-5500). Thank you for your time. Dr. Howard Ron Flenner.

      Reply

Leave a Rating

Your email address will not be published. Required fields are marked *