
Healthy Paws, a Chubb Company Reviews
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About Healthy Paws, a Chubb Company
Healthy Paws pet insurance offers one type of plan, which keeps the application process simple for customers who need standard coverage. Customers can submit claims online or using its mobile app, and it says it responds to 99% of claims within two days. Healthy Paws pet insurance plans are available nationwide, including Washington, D.C.
- Fast processing
- No caps on payouts
- Mobile app
- Easy-to-understand plan
- 15-day waiting period
- Only one plan
- Eligibility requires vet exam in most states
- Upper age limits vary by state
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How does Healthy Paws pet insurance work?
Healthy Paws pet insurance helps customers cover the cost of unexpected medical expenses for their pets for a monthly price starting at around $15 for cats and $20 for dogs. Customers can use its website or mobile app to apply for coverage and submit claims. It claims to process 99% of claims within two days. Once approved, your pet's coverage starts after a 15-day waiting period.
Healthy Paws pet insurance plans
Healthy Paws pet insurance offers one straightforward plan that covers up to 90% of the bill for accidents, illnesses and emergency care. Healthy Paws doesn't put a cap on lifetime, annual or per-incident claim payouts. The plan doesn't cover preexisting conditions, but this is typical of most pet insurance carriers.
For cat and dog plans, Healthy Paws covers* the following:
- Illnesses
- Accidents
- Hereditary conditions
- Congenital conditions
- Chronic conditions
- Cancer
- Diagnostic treatment
- X-rays, blood tests, ultrasounds
- Surgery
- Hospitalization
- Prescription medications
- Emergency care
- Specialty care
- Alternative treatment
*Not applicable for preexisting conditions.
Healthy Paws does not cover:
- Preexisting conditions
- Examination fees
- Cruciate ligament tears, if one leg was affected before the policy began and the other leg becomes injured
- Preventative healthcare (vaccines, titer tests, flea control, heartworm medication, deworming, nail trimming and grooming)
- Parasite control (neither internal nor external parasites)
- Dental health care (unless directly related to an accident)
- Spaying or neutering
- Anal gland expression
- Elective procedures — generally refers to any procedure that isn’t recommended by a veterinarian specifically to improve the health of the pet (ear cropping, declawing, etc.)
- Boarding
- Behavior modification (including training, therapy or medication)
- Training
Healthy Paws pet insurance cost
The Healthy Paws pet insurance cost for monthly premiums starts at $15 for cats and $20 for dogs, but the average monthly premium is around $30. Healthy Paws reimburses up to 90% of your bill and provides three deductible options: $100, $250 or $500. The main factors that determine your pet insurance rates are where you live, your plan's deductible, the type of animal you're insuring and its age and breed.
Healthy Paws pet insurance plans require a full, comprehensive (nose-to-tail) examination of your pet by a licensed veterinarian in order to be eligible for coverage. The timing of this exam depends on your pet’s age. In most case, pets five years old and younger must have an exam within the first 12 months (or within 15 days, if adopted from a rescue/shelter). Pets six years old and older must have an exam within 30 days and the 15-day for adoptees still applies.
Age limits
ConsumerAffairs attempted to obtain an online quote for an 11-year-old female Bengal cat in New York. The system rejected the application and referred out to other companies as potentially better fits. Although Healthy Paws states it covers pets from 8 weeks to 14 years old, we were unable to proceed with a quote for this cat.
A second attempt was made for a 10-year-old male Golden Retriever in the same area, which was also rejected. However, when using a San Diego ZIP code, we got a quote of $269.83 per month at 60% reimbursement with a $1,000 annual deductible.
As with most pet insurance companies, quotes depend heavily on geographic location, pet type, breed, age and selected terms (reimbursement rate, deductible and payout limits). This reiterates the importance of obtaining quotes from multiple providers before purchasing.
» COMPARE: 2025 Pet Insurance Plans
Healthy Paws FAQ
Does Healthy Paws cover medications?
Yes, Healthy Paws pet insurance covers the cost of prescription medications. It does not cover the cost of medications for behavioral modifications.
How do I make a claim with Healthy Paws pet insurance?
Customers can submit their Healthy Paws pet insurance claim form via email, fax or mail. They can also upload their paid invoice online and fill out the claim form by using the mobile app.
Does Healthy Paws cover allergies?
Healthy Paws pet insurance helps cover the cost of allergies if the symptoms were not present during enrollment.
Does Healthy Paws cover blood work?
Yes, Healthy Paws pet insurance covers blood tests when prescribed by a veterinarian.
What does Healthy Paws not cover?
Healthy Paws does not cover preexisting conditions, examination fees, preventative care, parasite control, elective procedures, dental care unrelated to an accident, spaying or neutering, anal gland expression, boarding, training or behavior modification. It also excludes cruciate ligament injuries if one leg is affected before coverage began. Like most pet insurance, coverage is focused on new, unexpected illnesses and accidents.
Is Healthy Paws pet insurance good?
Yes, Healthy Paws pet insurance is an excellent option for people who want a simple, no-hassle pet insurance policy. The company has a fast and simple claims process, and its plan leaves little room for confusion when it comes to coverage and how to file a claim. The lack of options may deter some customers, but Healthy Paws' single plan is a fine option for most pet owners.
Healthy Paws, a Chubb Company Reviews
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- 4,691,129 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Healthy Paws, a Chubb Company Company Information
- Company Name:
- Healthy Paws Pet Insurance & Foundation
- Year Founded:
- 2009
- Address:
- PO Box 50034
- City:
- Bellevue
- State/Province:
- WA
- Postal Code:
- 98015
- Country:
- United States
- Website:
- www.healthypawspetinsurance.com
