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Healthy Paws, a Chubb Company Reviews

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Edited by: Jon Bortin

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.

Visit www.healthypawspetinsurance.com
Pros
  • Fast processing
  • No caps on payouts
  • Mobile app
  • Easy-to-understand plan
Cons
  • 15-day waiting period
  • Only one plan
  • Eligibility requires vet exam in most states
  • Upper age limits vary by state

Healthy Paws, a Chubb Company Reviews

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    Page 4 Reviews 230 - 380
    Verified purchase
    Customer Service

    Reviewed Oct. 13, 2023

    Healthy Paws received my claim for my boys' unexpected hip surgery, within 24 hours I had received a claim # for this claim. They are always on top of everything like this. But, the most touching part to me was the follow up email on how my boy was doing. To have a company take the time to check on our babies fills my heart with happiness.

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    Punctuality & SpeedHonesty & Transparency

    Reviewed Oct. 6, 2023

    My 8-year-old domestic long hair cat had emergency surgery for intestinal obstruction, we started Healthy Paw plan in 2020 and this is the first time she needs to use it. To be honest, I'm happy with their process speed, my claims got solved in 10 business days. They did request medical history so I suggest keeping all the records even if your pet is healthy.

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    Customer ServiceCoveragePriceStaff

    Reviewed Oct. 3, 2023

    Our 3-year old Rescue Hound blew out his back leg at the beach. We were able to get him to the vet immediately, with surgery within 5 days. The whole ordeal was exhausting, gut-wrenching and expensive! We called Healthy Paws to check our coverage. They were immediately responsive, taking the time to explain coverages and time needed for processing. It has been 4 weeks. Our pup is on the mend and our claim has been accepted and approved. We are so grateful to the entire Healthy Paws organization.

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    Punctuality & SpeedRefunds & Payouts

    Reviewed Oct. 2, 2023

    We had a terrifying incident with our mini Daschund who needed to stay in doggie ICU for several days. Healthy Paws was efficient and quickly processed our claim and refund down to the anticipated dollar. Our vet recommended Healthy Paws and we've been pleasantly surprised. Now we recommend them to all our friends. Thank you!

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    CoveragePricePunctuality & Speed

    Reviewed Sept. 12, 2023

    Cost, coverage and ease of the claims process warrants nothing less than 5 out of 5 stars. I've been with Healthy Paws for about 5 years and have filed a few claims. I am extremely impressed with how simple it is to file a claim and how quickly claims are processed and finalized. I highly recommend Healthy Paws without reservation.

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    CoveragePricePunctuality & Speed

    Reviewed Sept. 9, 2023

    My dog tore both of his ACLs, one in the spring and then the other shortly thereafter in the early fall. Both times I simply uploaded the invoice from the surgeon to the Healthy Paws website and then received a reimbursement check in less than a week. It's an expensive surgery, especially to have twice, and I'm so glad I chose to get pet insurance and chose this company.

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    Customer ServiceCoverageTechPricePunctuality & SpeedStaff

    Reviewed Aug. 29, 2023

    Amazing Service: Exceptional customer service is often a critical factor in the success of any insurance provider, and it seems that Healthy Paws has excelled in this regard. They likely have a responsive and helpful customer support team that is readily available to assist with any questions or concerns you may have had. This aspect of their service can greatly contribute to your overall satisfaction.

    On-Time Reimbursement: One of the most significant benefits of pet insurance is the ability to receive reimbursement for veterinary expenses. Timely reimbursement is crucial because it ensures that you can quickly recoup the costs incurred during your pet's medical treatment. The fact that Healthy Paws provides on-time reimbursement suggests efficiency in their claims processing, which can be a huge relief during stressful times when your pet requires medical attention.

    Assistance with Expensive Surgery: Pet surgeries can be financially challenging, and they can also be emotionally taxing for pet owners. It's wonderful to hear that Healthy Paws has been there to support you during such times. Their coverage for expensive surgeries can significantly alleviate the financial burden associated with these procedures, allowing you to focus on your pet's well-being rather than worrying about the cost.

    Being the Best: Your statement ends with the assertion that Healthy Paws is "the best." This speaks to your high level of satisfaction with their service. Being considered the best in any industry typically implies that a company consistently goes above and beyond in meeting customer needs and expectations. It's a strong endorsement of Healthy Paws' commitment to pet owners and their pets.

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    Customer ServiceCoverageTechPunctuality & SpeedStaff

    Reviewed Aug. 29, 2023

    Our neighbor's invaluable suggestion led us to Healthy Paws as we embarked on the journey of bringing home our beloved Havanese puppy, who has now blossomed into a vibrant 2 1/2-year-old. From the outset, the experience with Healthy Paws has been nothing short of exceptional. The process of submitting claims online has been remarkably seamless, a far cry from the complexities we've encountered with other pet insurance providers in the past. The efficiency of their communication and the swiftness of reimbursement have consistently left us pleasantly surprised.

    In stark contrast to our prior experiences with various pet health insurance companies, which often proved to be sources of frustration, Healthy Paws has been a breath of fresh air. Their commitment to delivering prompt and hassle-free service has genuinely transformed our perspective on pet insurance. Without hesitation, we wholeheartedly endorse Healthy Paws to fellow pet enthusiasts who share the same deep affection for their furry companions and strive for nothing but the best in their care.

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    CoveragePunctuality & SpeedStaff

    Reviewed Aug. 26, 2023

    I have dealt with multiple human and pet insurance companies in my lifetime and none have been as easy to deal with as Healthy Paws. The claims submission process is incredibly streamlined, the turnaround time for reimbursement is quick, and it is easy to access benefits. Other companies put up many barriers to accessing benefits, so it is much appreciated to not have to deal with that while also caring for a sick pet.

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    Punctuality & SpeedBilling

    Reviewed Aug. 10, 2023

    I signed up for Healthy Paws a couple months ago after reading about a cat having surgery after eating hair bands and commentor suggested Healthy Paws. Two weeks ago we had to rush my sweet cat to the ER because he was having trouble breathing. Turns out he is suffering from hypertrophic cardiomyopathy. Since then he has had to be hospitalized 5 times while we work to figure out what is causing it and get his medications right. He is finally beginning to get better. We would not have been able to afford the treatment he is getting if it were not for Healthy Paws. Submitting a claim is simple and processing the claim is quick. Payment is also issued quickly. They even have direct deposit. Several coworkers have asked me about Healthy Paws for their pets. I could not recommend them enough.

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    Customer ServiceSales & MarketingPricePunctuality & SpeedOnline & AppStaff

    Reviewed Aug. 7, 2023

    Health Paws is affordable. They have responsive customer service. The app and claims are simple and pay quickly. Overall we are very happy with Healthy Paws. My dog had major surgery. I wasn’t sure how to proceed but I called and customer service told me how to proceed in terms of records so that they can process my claim. After the surgery- Our claim was processed in under 2 weeks.

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    Refunds & Payouts

    Reviewed July 16, 2023

    The attentiveness and concern Healthy Paws has shown us during Lennox’s surgery warms my heart. Lennox had his bandage removed yesterday so he is not walking on the leg. He isn’t sure of himself. What would I have done without Healthy Paws? I certainly wouldn’t have been able to pay for this. Lennox had stopped running and playing altogether. Thank you SO much for checking on him. I love you guys.

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    Customer ServiceStaff

    Reviewed July 14, 2023

    We sincerely appreciate your swift and thorough response to Hero's situation. Your dedication to providing excellent service and care for our furry family member is truly commendable. Being a Healthy Paws member has been a delightful experience for us, and we are grateful for the peace of mind it brings knowing that Hero's well-being is protected. Your commitment to our pet's health and your exceptional customer service have exceeded our expectations. Thank you once again for your unwavering support and for making us feel valued as members of the Healthy Paws community.

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    Customer ServiceCoveragePunctuality & SpeedOnline & AppStaffTimeliness

    Reviewed July 14, 2023

    After adopting a cat several years ago who ended up having serious medical issues, we learned the hard way that pet insurance is mandatory. When we adopted our new kitten we did some research and signed up with Healthy Paws. Several months later he ingested something that necessitated a trip to the vet and ER. I submitted the forms online to Healthy Paws (very easy to upload the invoices) and received an immediate response that they had received the claim and would begin processing it immediately. Not only that, but they genuinely seemed concerned about my cat's health and kept checking in to make sure he was okay. I received my reimbursement check very quickly! They also continued to check in to make sure he was healing okay. Their care, concern and promptness with reimbursement was all greatly appreciated!

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    Customer Service

    Reviewed July 11, 2023

    Our sweet boy had full CCL and meniscus surgery one week ago. Within 5 days, the claim for surgery was processed, approved and paid. Tim from Healthy Paws even sent an email to check on my dog. Thank you for making this process stress free! We definitely recommend Healthy Paws!

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    Customer ServiceCoverageStaff

    Reviewed July 10, 2023

    Exceedingly pleased with our experience! We have had other pet insurance in the past which left us confused and disappointed with our coverage and the customer service interaction. Healthy Paws communication was very clear and caring. We are most happy with the claim process and the ease and promptness of reimbursement!

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    Refunds & Payouts

    Reviewed July 10, 2023

    I’ve submitted 19 claims for meds purchased through 1800PetMeds over the past 14 months without an issue. Until last month. Now Healthy Paws won’t process claims if the invoice is from 1800PetMeds and they aren’t disclosing what the issue is with the invoices. I’m wondering if they’re doing this on purpose because my dog is older and has a lot of claims. I guess they think if they stall on the claims and don’t reimburse me, I won’t be able to pay for his treatments and he’ll die sooner. Healthy Paws used to be a good company but since they were bought out, their services have gone downhill.

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    Healthy Paws, a Chubb Company
    Response from Healthy Paws, a Chubb Company

    Jan - We apologize for any confusion with your invoice and customer service experience. The invoice for your claim was good to go and was rejected by a newer member of our team. Your claims have all been processed. Our team will be following up with anyone that has worked on your account. We want to ensure that all on the same page about the expectations that we have regarding our interactions with our valued pet parents and invoice requirements.

    Verified purchase
    Customer ServicePunctuality & SpeedStaff

    Reviewed July 6, 2023

    Our 4-month old puppy recently had an unexpected and unexplained medical emergency, which necessitated several overnight stays in the hospital as well as much testing and lab work. We were understandably anxious about the outcome and are relieved to have our puppy back regaining her strength and health. We are so thankful to Healthy Paws for the ease of the claims process as well as the knowledgeable, kind, and compassionate customer service representatives. My questions were always answered thoroughly and accurately, and our claims review process was quick and efficient. It gives us much peace of mind to have Healthy Paws and I am so grateful to the many friends and to our veterinarian who recommended this service. Definitely 5 stars!

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    CoveragePricePunctuality & SpeedRefunds & PayoutsRatesFollow-Through

    Reviewed June 29, 2023

    I have been a customer for over a decade. The process to file claims has always been fast and easy. Repayment has always been pretty quick (a week is slow for them). What is really remarkable is how easy things were when going to multiple vets to discover my dog has cancer. The expensive tests and procedures to determine them at one vet, radiation therapy at another vet, and chemotherapy at another vet. All of this was easy to file and reimbursed without any fighting. I wish people's health insurance was as good and easy as this. Over the years too my dog has had other issues and as promised the rates have not increased due to incidents.

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    Customer ServiceCoverageStaffFollow-Through

    Reviewed June 22, 2023

    Healthy Paws Pet Insurance has proven once again, to me, that they care for my fur babies, through their timely processing of my claims, and their follow through on the health of my dog. I am extremely pleased so far with the customer service, and will continue to rely on them for my pet insurance needs.

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    Customer ServiceCoverageStaffEase of Use

    Reviewed June 19, 2023

    Overall, my experience with Healthy Paws insurance has been a positive one. Everything has been pretty simple to use and very clear understanding. Only one time did I have an issue with a mistake on my claim but once I made a phone call the individual had it resolved within a couple days. This insurance cover so much and I haven’t had any issues with no coverage other than the things that are listed in the guidelines. Great customer service and reimbursements are done in a timely manner of about a week. Highly recommend to anyone.

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    Customer ServiceCoveragePunctuality & SpeedRefunds & PayoutsStaff

    Reviewed June 6, 2023

    They have a Quick response time with very fast turn around for refunds on coverage. It’s a super Easy app to navigate and submit claims. Nice, professional people who are very helpful on the phone to explain questions. Direct deposit posts very quickly.

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    CoveragePunctuality & SpeedRatesTransparency

    Reviewed June 1, 2023

    After reviewing a few pet insurances, we decided to go with Healthy Paws and are really happy we did. Of all the pet insurance companies we looked into, their rate was the best. Enrolling was very easy and submitting claims is even easier. They are very quick to review and process their claims, and sends you updates when the status of the claim has changed. The reimbursement is prompt and hassle-free - It went right into the account that I set up. We are very happy that we chose Healthy Paws!

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    Customer ServiceCoveragePricePunctuality & SpeedRefunds & PayoutsStaffRates

    Reviewed May 30, 2023

    I have had Healthy Paws for YEARS. In the past I have rated them 5/5 and had claims processed quickly and any issues handled swiftly. Customer service was second to none. Until my pet passed away.... My dog passed away on the 16th of the month, I notified HP right away. I filed a claim for the cremation expenses, as covered by her medical condition. They still took out my premium on the 21st and have not processed my claim. I understand that things happen - however my communications with them have been less than helpful. The first time I emailed, they said it would be taken care of in a timely manner. 7 days go by, so I call customer service. They proceed to tell me that my claim will be processed on the 25th and my account will be closed and they will refund my premium.

    On the 26th I called back and and the gentleman on the other end of the phone proceeds to tell me that no one should have said that and that, "There are a 'lot of other sick dogs' so we will process your request as soon as possible." I have been really nice in my communication with them, as I know things happen but this is a little ridiculous at this point. I also felt it was a little insensitive to say that my claim was being held up because there are a 'lot of other sick dogs'. I really expected better, Healthy Paws... You were a big part of helping us when we needed it. Now I feel like we don't matter because you're not going to get a monthly premium from us anymore.

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    Healthy Paws, a Chubb Company
    Response from Healthy Paws, a Chubb Company

    We’re sorry for the loss of your sweet friend. All of us at Healthy Paws understand this is a difficult time. We realize that your recent customer service experience did not meet your or our expectations. Our management team will be following up with team members who worked on your account to make sure they understand our expectations in regards to interactions with our pet parents. Your claim has been completed. Your policy was canceled with a pro-rated refund being issued to your credit card.

    Verified purchase
    CoverageOnline & AppRefunds & PayoutsStaff

    Reviewed May 27, 2023

    So far, I am very pleased with Healthy Paws Pet Insurance. My puppy, unfortunately, was diagnosed with copper storage disease, and has required more extensive testing and care than would typically be expected. To date, Healthy Paws has appropriately covered the expenses WITHOUT MAKING ME JUMP THROUGH A NUMER OF HOOPS or file any appeals. Additionally, their app makes it easy to submit claims and they pay in a timely manner. I recommend.

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    CoverageStaff

    Reviewed May 19, 2023

    Healthy Paws has provided me the financial means to pursue treatment for my four legged boy that I would not have without them. I purchased Healthy Paws insurance years ago specifically for times like now where I never wanted money to be why I couldn't care for my dog. I can't recommend enough. Very simple claims process as well.

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    Customer ServicePriceStaffRatesValue

    Reviewed May 15, 2023

    Excellent customer service -- very responsive and timely. Fair and thorough -- explained very well -- have no complaints -- pricing is very affordable and forms to be filled out are easy and simple enough to understand. All in all, good value for money.

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    Customer ServiceCoverageRefunds & PayoutsStaff

    Reviewed May 15, 2023

    I'm using this insurance for my adopted dog since 2016 and I'm very satisfied with it. My submitted claims always processed in timely matter. I get notifications by email about process of the claims and the results. If claim is eligible for reimbursement, I receive the checks on time. Now, when my dog has some medical issues, this insurance helps me to pay for his treatment. I always recommend it to my friends.

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    Customer ServiceCoverage

    Reviewed April 13, 2023

    I have had Healthy Paws since 2017 and have had only a positive experience with them. My dog, Faith, was a rescue and came from an abusive situation at just 6 months. Unfortunately as she’s grown older (she’s turning 7 this year) from the trauma and abuse she experienced, she has needed surgeries which were all covered and I never once felt as though my claims would be denied or there would be any issue getting them processed. Communicating with customer service has always been great and I always recommend Healthy Paws to anyone who is adopting a new family member.

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    CoveragePunctuality & SpeedRefunds & PayoutsTimeliness

    Reviewed April 11, 2023

    My husband and I debated purchasing pet insurance for our German Shepherd Husky Mix. But, that quickly changed when we had to come out of pocket almost $3,000 for an ER visit when she was 2. Since then (she's now 11) this insurance has paid for itself! It is extremely easy to submit claims and reimbursement occurs within days. I highly recommend Healthy Paws!

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    CoveragePricePunctuality & Speed

    Reviewed April 4, 2023

    I am so thankful to have Healthy Paws pet insurance for my little dog who has had to undergo two surgeries to repair torn ligaments in both of her rear legs. My plan with Healthy Paws covered both of these surgeries and I received prompt reimbursement. My monthly premium, annual deductible and co-pay are all very reasonable.

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    CoveragePricePunctuality & SpeedRefunds & PayoutsStaffHonesty & Transparency

    Reviewed April 3, 2023

    This is the first time I have ever had pet insurance. I’ve had dogs my entire adulthood. I now have three active purebred dogs ranging in age from three to down to nine months. All of my dogs have been adopted or fostered. For some reason after I adopted second one, when the veterinarian asked me if I had pet insurance, and I said, no, I went home and started researching. All of my other dogs have been quiet toy breeds, but these three are pretty wild and crazy. I always thought pet insurance was kind of a waste of money to be honest. I had heard some stories in which pet insurance just didn’t really pay anything or that there was a huge deductible, etc. When I got home from the vet, I started doing some research and landed on Healthy Paws Pet Insurance because of the deductible, premiums and no lifetime maximums.

    Not long after this we decided to foster a puppy. She appeared to be healthy and perfect. But after we had her for a few weeks it was clear she was having some issue. I took her to my vet who sent her to a specialist. She had have surgery. We were devastated. Not only were we so worried about our puppy, but we were worried about the money. Never have I been so grateful as I have been for Healthy Paws! They paid our claim so quickly and it was so easy. I just uploaded the receipt and the doctor's note online and they sent me a check about three days later! I cannot say enough good things about them. I HIGHLY recommend Healthy Paws as pet insurance!!

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    Customer ServiceCoveragePunctuality & SpeedStaffBillingRates

    Reviewed March 30, 2023

    I have been a customer for eight years now, and I have to say that Healthy Paws has provided us with an outstanding experience! Their monthly rates are fair, their coverage is thorough and clear, and the payment turnaround time is amazingly fast. Recently, my dog has been dealing with chronic allergy issues, and rather than contacting us and hassling us, the company actually checked in to see how she was doing, and provided us with some useful links if we had any questions. Two years ago, when our previous dog passed away, they were very kind when we had to cancel the policy. Every interaction I’ve ever had with Healthy Paws has been positive… I just wish insurance for humans was this easy and pleasant as well. When I have had a question, their staff respond promptly, clearly, and thoroughly.

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    CoveragePriceRefunds & Payouts

    Reviewed March 27, 2023

    Healthy Paws has been a breeze to work with since Day 1. We covered our dog as soon as she was adopted and have had it for the last three years. Over the years, she has gotten into a few mishaps due to eating things she shouldn't, and it's been such a simple process to 1) upload the invoices from the vets/medical centers she's gotten treatment at, 2) receive Direct Deposit reimbursement for covered services in just a few days. While we still do need to pay out of pocket due to the deductible, coinsurance, and vet exams not being covered, we are seeing the value of our coverage every year!

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    CoveragePriceRefunds & PayoutsStaffBilling

    Reviewed March 27, 2023

    I have a Healthy Paws policy that reimburses 90% of covered expenses after a $500 deductible. My dog ingested something that caused a blockage in his intestines and nearly killed him. It required the services of an internal medicine specialist who performed surgery and was able to remove the blockage. He had multiple complications and was hospitalized for nearly a week. Ultimately, the charges were over $22k. Healthy Paws reimbursed me for 90% of the covered expenses, just like it was supposed to work. If I didn't have Healthy Paws, I would not have been able to afford the care I needed. The company was very responsive throughout the process and the reimbursement is in my bank account before my credit card bill is due.

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    CoverageSales & MarketingPricePunctuality & SpeedOnline & AppRefunds & PayoutsEase of UseValue

    Reviewed March 23, 2023

    We are very happy with the service provided by Healthy Paws. The claims process and the app were very easy to navigate. The insurance is worth every penny. We’ve had two instances of needing the insurance and Healthy Paws was quick to process and pay out the claims. They also checked in on how our dog was doing. This has probably been the best insurance process I’ve been through with any type of insurance.

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    Punctuality & SpeedStaffBilling

    Reviewed March 14, 2023

    Healthy Paws has been amazing every time I have had to use them. Very fast review and payment for claims. I would highly recommend them to other pet owners out there. One of my fur babies needed surgery for a torn ACL and Healthy Paws was there every step of the way.

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    Customer ServiceCoveragePricePunctuality & SpeedRefunds & Payouts

    Reviewed March 10, 2023

    This company is the worse. I had nothing bad to say about them until my dog actually needed their insurance. My dog is nearly 12 years old. I have used the insurance a couple of times for minor things (cut paw, etc.) for over 10 YEARS. My dog needed emergency surgery due to crystals that had formed in his bladder and plugged his urethra. He would have died without it. He had to stay in the ICU for 2 days and then 1 more day for observation. Everything cost approximately $6000. I have their 90% coverage and paid $600 for the service.

    I was very happy that I had the insurance and that they were easy to work with and reimbursed me quickly. I wasn't so happy when I received an email 6 weeks later telling me my monthly premium was increasing by more than TRIPLE. When I complained they sent me a canned email explaining how vet costs had increased in my area and it was necessary. I sucked it up and decided to stay with them, especially after paying them for over 10 years. A few months ago I was in CA with my dog and my dog became ill. We ended up going to an emergency vet. The cost for treatment was around $1500. Healthy Paws reimbursed me with no problems. I came to the conclusion that I made the right decision to stick with them.

    However, today I received the EXACT SAME email that they sent me last year that vet expenses in my area had significantly increased and that my premium was going up another $100. The bottom line is that they're great to work with as long as you only need the insurance for MINOR problems. Now that my dog is a senior, they know he is going to start needing their insurance and are quickly making it unaffordable. I absolutely DO NOT RECOMMEND Healthy Paws. Go with insurance that states, in writing, that your premium will not increase.

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    Healthy Paws, a Chubb Company
    Response from Healthy Paws, a Chubb Company

    Julia - Thanks for being part of the Healthy Paws family over the years and the kind words about our service. Premiums are based on the rates and rating rules filed and approved by each state's Department of Insurance. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of veterinary care, including specialty and emergency care. We include information on premiums increases on our "Frequently Asked Questions" page.

    Verified purchase
    CoverageRefunds & PayoutsTimeliness

    Reviewed March 9, 2023

    I've had Healthy Paws insurance for 6 years, and my experience has generally been great. They recently paid several thousand dollars for a surgery within just 2 days of me submitting the claim. My dog also had surgery for a torn ccl about a year ago, and they paid for the surgery plus all his rehab. Most of my claims are approved within a day, some even the same day. I've been very happy with the insurance.

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    Customer ServiceContract & TermsCoveragePriceMaintenanceStaff

    Reviewed March 4, 2023

    Healthy Paws Pet Insurance is worth it. It is not that expensive per month and really comes in handy. My 1 year old puppy was very sick, and after numerous trips to the vet and emergency vet room, we found out she would need life saving surgery to remove something from her small intestines. What would have costed us ~$14,000 only ended up costing us ~$3,000. Not only is it worth it for saving money, but the support we received from all who helped was phenomenal. They assisted us fanatic pet owners in submitting our claims properly and fixing what we needed to fix. The claims came through a lot quicker than expected (a few days or a weeks vs a couple months like we expected). After all was said and done, there was a follow up email asking how our dog was doing. They also even checked in on our other two pets. It wasn’t an automated message, but from a real human. That aspect alone makes it worth it. I HIGHLY recommend.

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    Customer ServiceCoveragePricePunctuality & SpeedStaffRates

    Reviewed March 2, 2023

    HIGHLY Recommend!! I have had Healthy Paws for both my cats for 3 years now. I find it very easy to submit claims online to them and their response is very quick for processing and reimbursement. If there is ever an issue or question with the invoice I submit, they reach out right away and it is solved very quickly. They have been extremely helpful and useful throughout my cats lives especially with my Sphynx who has had many unexpected health problems.

    They have covered all of it (according to the plan and policy). Not only all this, but they also reached out personally when they saw my cat stayed in the emergency room overnight to see how he was doing. The monthly price for this insurance is also very reasonable in comparison to others. If you are able to pay upfront at the vet and wait a short time frame for reimbursement then please choose this one, you won't be disappointed. I am very happy and pleased with this insurance company and highly recommend them to anyone considering getting health insurance for their animals.

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    Punctuality & SpeedStaffEase of UseRates

    Reviewed Feb. 22, 2023

    Quick reimbursement and claim time with amazing staff! Never had any issues! Easy to understand and very easy to use APP and website with very competitive rates! Genuinely good company that I would 10/10 recommend! Takes a lot of the stress and worry out of scary situations knowing they’re a part of our family and team.

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    Customer ServiceCoverageTechPunctuality & SpeedStaffBillingTransparency

    Reviewed Feb. 22, 2023

    Healthy Paws is an excellent pet insurance provider. They are very quick to process claims, and I find their explanations of benefits clear and straightforward. The insurance has saved us many times from having to foot a massive bill, and their customer service is typically extremely pleasant to deal with if a problem arises.

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    CoveragePunctuality & SpeedRefunds & PayoutsTransparency

    Reviewed Feb. 22, 2023

    I cannot say enough good things about HealthyPaws. I have been using them since my last pet (australian shepherd - Pepsi) and now with my 2 mutts (Fitzgerald and Hemingway). They are quick, effective, always provide clear explanation of what is covered and not covered and super quick to reimburse you on your vet visit. Most claims are usually reviewed, covered and closed within a week and hardly do I get any pushback from them. They have removed any financial worry especially when it comes to something drastic happening to my two dogs. They are simply the best.

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    Punctuality & SpeedRefunds & PayoutsRates

    Reviewed Feb. 17, 2023

    I have had a Healthy Paws plan for approximately 7 years. I have found the rates to be reasonable. They have even decreased some years. I recently made a claim and was reimbursed according to my plan. The process was simple and fast. I highly recommend.

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    Customer ServiceCoveragePricePunctuality & SpeedStaff

    Reviewed Feb. 15, 2023

    I will always be an advocate for pet insurance. I am so glad I went with Healthy Paws, their customer service is beyond exceptional, and their insurance plans affordable and reasonable. They have been such a huge help for my cats these past few years, and I've never had a problem with reimbursement, they have always been swift and quick. I would definitely recommend Healthy Paws!

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    PricePunctuality & SpeedRefunds & Payouts

    Reviewed Feb. 14, 2023

    I couldn’t be happier with Healthy Paws!!! My 3.5 year old dog had a major health emergency that cost thousands. Healthy paws reimbursed me exactly according to my policy quickly (truly within a day or two of submitting a claim) and without any issues. It was such a relief to not worry about cost when I was really worried about my sick pet!

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    CoverageBillingRates

    Reviewed Feb. 10, 2023

    If it wasn't for the fact both my dogs have health problems, I'd be switching. They have jacked up my rates so much in the last 4 years. Based off of the insurance needs in my living area. On top of that, they are stupid in the billing and reimbursement center. Every time I submit something they mess it up and I have to fight with them for weeks!! I hate this company.

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    Healthy Paws, a Chubb Company
    Response from Healthy Paws, a Chubb Company

    Jen - Premiums are based on the rates and rating rules filed and approved by each state's Department of Insurance. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of veterinary care, including specialty and emergency care. Our customer care team has been in contact with you regarding the issues with your claims.

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    Customer ServiceCoveragePunctuality & SpeedStaffRates

    Reviewed Feb. 7, 2023

    Healthy Paws insurance has been excellent in responding to all of our pet insurance claims. They are reliable, caring, and very quick to reply to any correspondence and claims. Their rates are also comparable to other pet insurance companies. We are very pleased with Healthy Paws.

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    Customer ServiceCoveragePunctuality & SpeedStaff

    Reviewed Feb. 5, 2023

    My dog recently had to undergo back surgery and I was so worried. Thanks to Healthy Paws for being there for him, he is doing well now. We have been with Health Paws for most of his life and this was the best choice I could made to insure my dog has the protection if it is needed. The customer service has always been excellent and have addressed my concerns or issues incredibly quick. Thank you so much Healthy Paws.

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    Customer ServicePunctuality & Speed

    Reviewed Feb. 3, 2023

    I've been a Healthy Paws customer for years, and I've always found them to be fast and efficient when processing claims. They even follow up to see how your pet is doing. You don't want to have to use them, but you sure are glad to have them when you need them!

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    CoveragePunctuality & SpeedOnline & AppStaff

    Reviewed Feb. 1, 2023

    I was very excited to finally have a dog of my own when I brought home Hercules in January of 2022. There were so many great joys that I was not prepared for, and it’s been one of the best decisions of my life. Given how important Herc is to me, I quickly realized how important it would be to have pet insurance ready to go to ensure that I would be able to always provide him with the best care possible while managing as much of the worry that can be associated with that. Healthy Paws was recommended by a friend and quickly proved to be a top option amongst other policies that I compared it to.

    Submitting a claim is a very simple process once you have a copy of your pet’s medical record and invoice, and their app and website make it as simple as just a few clicks. So far the Healthy Paws team has been very quick to review and provide feedback on my claims, and I’ve been so relieved to see the things that have been covered. Their team is very thoughtful and always checking in to make sure Herc is ok and answer any of my questions. I am a very happy customer and highly recommend them to any pet owner.

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    CoveragePricePunctuality & SpeedRefunds & PayoutsStaff

    Reviewed Jan. 31, 2023

    I got pet insurance knowing that I never wanted to make the choice between my dog's health and my finances. Healthy Paws has been so easy to submit claims, quick to send out reimbursements, and coverage was easy to understand. While my monthly premium has gone up (close to double over the almost 6 years of coverage), it has definitely been worth it! Just recently my dog needed TPLO surgery for a torn CCL, which cost nearly $6,000. We were reimbursed at 90% less than 1 week after submitting the claim, with no confusion as to what was covered and no effort beyond submitting the vet's invoice! Even with the monthly premium where it is, it would've taken 8 years to match the cost of that surgery, so it has definitely been worth it! I highly recommend them!

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    CoverageStaff

    Reviewed Jan. 25, 2023

    Healthy Paws has been there for my baby each and every time he had an emergency. Thankfully, Jack is a healthy little Cavapoo, but we had two incidents with his tummy last year and I am so grateful to Healthy Paws for helping with the expenses. They even checked in shortly after to make sure he was feeling better. I only wish they provided people insurance.

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    Customer ServiceCoveragePriceStaff

    Reviewed Jan. 20, 2023

    After not having insurance for our Riley dog when he went through Chemo, we decided we would have it for our next dog. Josie has been in our family for 5 years now. We hadn't filed a claim until she needed surgery when she tore her PCL. The surgery costs put a major hit on our budget, but then our insurance covered the vast majority which is amazing. We couldn't be more thankful for the coverage and support from HealthyPaws. They even sent a follow-up email to make sure she was recovering well.

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    CoveragePriceRefunds & PayoutsRates

    Reviewed Jan. 18, 2023

    Very thankful to have afforded to get my golden retriever “Bear” the surgery he needed because I carry Healthy Paws insurance. The surgery was very expensive. They were very timely in processing and reimbursing us. I rate them a five star.

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    CoverageStaff

    Reviewed Jan. 15, 2023

    Heathy Paws has been top notch when processing our claim and truly stole my heart when they kept checking up on my sweet Luna, after her surgery. I cannot recommend this company enough and we just added our other dog Sunny to our policy. I did a lot of research on pet insurance companies and I am so glad that I went with Healthy Paws. Outstanding company!

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    Customer ServiceCoverageStaff

    Reviewed Jan. 12, 2023

    I couldn't be happier with Healthy Paws. The coverage and reimbursements they've provided have exceeded my expectations. Filing a claim is very easy and the customer service is outstanding. As a mom to a Frenchie, this is incredibly reassuring. I highly recommend using them!

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    Customer ServiceCoveragePricePunctuality & Speed

    Reviewed Jan. 11, 2023

    Boudreaux, 3 1/2 years old, is our 5th golden retriever over the past 40 years. We never purchased pet insurance before this one. The reason, our previous golden developed Osteosarcoma at age 8 and required hospitalization and an amputation - very expensive and heartbreaking. He died 6 months later - way too young. We got Boudreaux as a pup and signed him up for Healthy Paws Pet Insurance. When he was about 4 months old, he developed a bowel obstruction from eating kelp during a trip to the beach. He required emergency surgery which saved his life. The Healthy Paws online claim process was efficient and clearly delineated. Just 3 weeks ago he became lethargic and developed a fever.

    Turns out, despite being on Simparica, he had anaplasmosis, a tick-borne disease that caused his platelet count to drop precipitously to life-threatening levels. Because we had insurance, we didn't hesitate to take him in, and good thing we did when we did. He was accurately diagnosed and responded promptly to treatment. Again - Healthy Paws came through. We received a check in the mail just 5 days after the claim was submitted online. Not only that, but we received an email inquiring about his health. We couldn't be more pleased. We highly recommend not only having pet insurance for your beloved pet, but using Healthy Paws. Without insurance, we might have waited too long to take our boy in.

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    Customer ServiceCoveragePricePunctuality & SpeedRefunds & PayoutsBilling

    Reviewed Jan. 5, 2023

    After having Healthy paws for 5 years without much of a need for them, my dog began having spinal issues and IVDD surgery twice which I was billed $9k each time! The first time expensing it to Healthy Paws was a little bit of an effort since they do need the official full historical report from your vet before paying anything out. However, the second time was seamless--I had made 5 easy claims up to the point of the surgery and they quickly paid me out each time, all they need is the official invoices.

    Something important things to be mindful of that may result in disappointment--but I think these are the case with any pet insurance:

    1. As far as I know--they do NOT COVER PRE-EXISTING CONDITIONS, hence the need for the full medical report before they begin paying out. In our case, they paid out every claim that wasn't a pre-existing issue without issue.

    2. There is a deductible that resets once a year before they cover anything, as well as a % they'll pay after you hit that--but you choose that deductible and the % that pays out.

    3. They DO NOT COVER VISITATION FEES, and they make this very clear. So, you may go to a vet 5 times racking up quite the visitation feeds that aren't covered, but they'll cover any treatment & tests beyond that.

    4. Once you make a claim, you can't change your plan, so you're either locked in, or go somewhere else that won't cover any new pre-existing conditions that occurred.

    Outside of these, Healthy Paws really has great customer service on the phone every time I've called, and they've paid out quite quickly and efficiently on every claim.

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    CoverageSales & MarketingPriceBilling

    Reviewed Jan. 4, 2023

    I cannot recommend Healthy Paws enough, they covered exactly what they said they would and the $$ came in less than 2 weeks. So worth the monthly payment! I was hesitant to buy insurance thinking it was a scam but 3 other friends use this plan and we all have had a great experience.

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    CoveragePricePunctuality & Speed

    Reviewed Dec. 27, 2022

    Our otherwise healthy kitty had a big medical emergency requiring expensive surgery. Healthy Paws made it easy to file the claims and we received reimbursement checks quickly and without issue. I'm so glad we had Healthy Paws insurance! The monthly premium is very reasonable too. Highly recommend.

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    Customer ServiceCoveragePunctuality & SpeedStaffBilling

    Reviewed Dec. 23, 2022

    Horrible experience. My pet has had that insurance for 3 years+ and I have never had to file a claim. Had to take her to an emergency clinic because I though she swallowed something and it got stocked in her throat. After all the procedures they did and $5000.00 later she had Laryngitis. Very swollen red throat and had her on steroids and antibiotics. When I sent the bill to the claims dept they kept asking for more information from her regular vet. When you get insurance thru them you have to submit that she did not have a previous condition to get the insurance which I submitted.

    Now they want proof that this virus she contacted was not from a previous condition which is not. So I told them all I had was the invoices of her vaccinations from the last 3 years because she has never been sick. I provided them with her vets information (My Vet at Home) Dr Suzette ** and I was told me they would verify it thru Dr **. Nothing has been done and they are saying they need medical records stating no previous condition. I also called the CEO Rob Jackson and called him twice and left my contact cell # and response from him either. I am a recent widow on a tight budget, I hope this review helps! Thanking you in advance. Gilda **

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    Response from Healthy Paws, a Chubb Company

    We do our best to be transparent regarding the need for medical records during enrollment and in your plan documents. We use a pet's medical records and notes written by the attending veterinarian to determine if there are any pre-existing conditions that would keep us from approving a claim. As our team member explained in their email to you, we are missing some information. We have reached out to your veterinarians on your behalf for that information. Once received we can process your claim

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    CoverageRefunds & PayoutsBilling

    Reviewed Dec. 20, 2022

    My 4 yo Active healthy Irish Setter suddenly couldn’t breathe. We took him to an Emergency Vet Hospital and he was found to have a collapsed lung. After treatment and surgery to save his life the bill was a little over $11,000 dollars. Thank God for Healthy Paws. I sent them all the information they requested and after a very reasonable time I got a check for approximately 80% of the bill. I would of paid anything to save him but Healthy Paws made it more manageable. You never know what can happen, pet insurance is very important!

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    Customer ServiceCoveragePricePunctuality & SpeedRates

    Reviewed Dec. 19, 2022

    My standard poodle Wilson had some very expensive health issues. I am a senior citizen on a fixed income. When I got Wilson I knew pet insurance would be a must. Healthy Paws was a reasonably priced, straightforward plan and I bought it. Here’s what I was impressed with: the claim form is quick and easy to submit, Healthy Paws responded very promptly to the submitted claim, everything was handled by email, and my claim was paid directly into my bank account in a very timely manner. When your animal isn’t well, the last thing you want to do is fight for what you need or deal with paperwork and delays. Healthy Paws supported us during a hard week, and I’m very grateful.

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    CoverageStaff

    Reviewed Dec. 16, 2022

    My dog Loki ended up in the hospital. The Healthy paws insurance took such a great care of everything. Processing my claim and checking in with me on Loki recovery. I am very thankful for their service. Great insurance company.

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    CoveragePunctuality & SpeedRefunds & PayoutsStaffBillingRates

    Reviewed Dec. 15, 2022

    Healthy Paws is incredibly easy to work with. They reimburse medical bills at a high rate, and do so very quickly. They have been amazing at reimbursing for all covered services and we continue to feel safer knowing we have our pets covered. Would recommend them to everyone with a beloved pet.

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    CoveragePricePunctuality & SpeedRefunds & Payouts

    Reviewed Dec. 13, 2022

    When I adopted my rescue pup, I wanted to get insurance since he's little and could very easily be hurt by a large dog, car, etc. I hadn't had any major issues with him in the first couple years, but then he decided to eat a large amount of plastic a couple of weeks ago, which required surgery to extract. HealthyPaws quickly approved and reimbursed my claims within just a few days of me submitting invoices and medical records! It was a very easy process, and the cost of coverage is reasonable, especially compared to some other plans I looked into. I have recommended HealthyPaws to several friends! (And my baby is doing very well; I doubt he learned any lessons from this, but I sure have!)

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    Punctuality & SpeedStaff

    Reviewed Dec. 12, 2022

    PollyAnna recently became lethargic with profuse sneezing. She underwent a Rhineoscopy to look for a foreign body or tumor. Testing was done to rule out a fungus infection. We are awaiting results. PollyAnna was put on a steroid to help with the extreme inflammation observed during the procedure. As always Healthy Paws was very good about paying on the claim...no Hassle. They were very prompt!

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    CoveragePunctuality & SpeedRefunds & PayoutsStaff

    Reviewed Dec. 12, 2022

    Definitely the easiest pet insurance company I've worked with. Claims get processed super quickly and with minimal fuss. Easy to understand premiums and limitations. I've had multiple claims paid out quickly and they don't needle you or try to wriggle out of claims (looking at you, Lemonade).

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    Customer ServiceCoverageStaff

    Reviewed Dec. 7, 2022

    The claim filing process is simple. The communication is excellent and the personal touch of checking on in the well being of Rosie, post surgery, while unexpected, was wonderful! Healthy Paws is by far and away the best pet insurance!

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    PricePunctuality & Speed

    Reviewed Dec. 6, 2022

    I've been a policyholder with Healthy Paws for two years. I opted for the policy for injury/illness as I've found with prior dogs these are the most costly health issues. My shihtzu was recently diagnosed with mast cell tumor and resultant surgery to remove. Healthy Paws processed my claim quickly and efficiently. I'm so grateful to have them.

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    CoveragePunctuality & SpeedStaffBilling

    Reviewed Nov. 30, 2022

    My experience with Healthy Paws could not have been easier. My dog had back surgery and all I had to do is upload the. Billing receipts and was paid within a few weeks! After fighting with Tavel insurance for 11 months to get a claim paid, this quick turn around is truly phenomenal. Everything was explained well and was easy to understand. I highly recommend!

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    Staff

    Reviewed Nov. 28, 2022

    When we got our bichon as a pup the first thing we did was visit our vet and the 2nd thing was sign up for Healthy Paws, hoping we would never have to use it. At 6 yrs, he suffered a devastating spine injury requiring surgery. Healthy Paws was there every step of the way, professional, caring, helpful! Would 10/10 recommend for all pet owners.

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    Customer ServiceCoveragePriceRates

    Reviewed Nov. 26, 2022

    I have been with Healthy Paws for many years. My dog is 12 years old and has been insured since she was one year old. The various policies have been bought and sold between companies and we ended up with Healthy Paws many years ago. Two months ago I received an email that my premiums would double from approximately $75 to $150 a month. I see this as a convenient way to price owners out of the market when their pets get older. Notwithstanding they had no problem taking my money for the other years and then simply price you out when you get to the place in time when you are more likely to use the policy. Pretty unethical and shameful if you ask me.

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    Healthy Paws, a Chubb Company
    Response from Healthy Paws, a Chubb Company

    Wade - We appreciate you being part of the Healthy Paws family for the past 12 years and understand no one likes any form of premium increase. We understand your concern and would be happy to review your account and discuss your premium increase with you in greater detail. Please call us at (855) 898-8991 and we will gladly answer any questions you have regarding the factors that went into your premium increase.

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    Customer ServiceCoverageTechPunctuality & SpeedStaffBilling

    Reviewed Nov. 9, 2022

    I used two other pet insurance companies (both for cats) before settling on Healthy Paws for our new cat, and I would not use either of them again after having Healthy Paws for several years. Healthy Paws does require that you pay the vet bill up front, then submit the claim with all the required information and payment receipt, but Healthy Paws has always processed my claims promptly, and within the rules of the policy. Over my several years of using Healthy Paws, I’ve had to call customer service two or three times to get clarification on something, and the rep was always easy to understand, knowledgeable, polite, and professional. I would definitely recommend Healthy Paws for your pet insurance provider.

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    Customer ServiceCoveragePriceStaff

    Reviewed Oct. 31, 2022

    Healthy Paws has not been my first pet insurance company so I do have some experience in the past with other insurance companies. Healthy Paws in my opinion is good with their customer service. They process your claims expeditiously, accurate and efficiently. Although monthly premiums can be high, it all depends on how much deductible you are comfortable with and set the reimbursement level for your claims. This will be calculated to how much your monthly fees are. It's quite customable! My only dislike is that eventually the monthly fees do rise but it's somewhat understandable. They are a top notch company who seems to care about their pet customers. Keep up the good work, Healthy Paws!!!

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    Punctuality & Speed

    Reviewed Oct. 29, 2022

    Our 4 year old dog needed unexpected major back surgery and Healthy Paws was there when we needed it! Truly a lifesaver! Claims process was easy and fast. Healthy Paws Pet Ins was one of the best decisions we’ve ever made.

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    Customer ServiceCoverageTechPricePunctuality & SpeedStaffBillingTransparency

    Reviewed Oct. 29, 2022

    I am so grateful to have chosen Healthy Paws as my dog's insurance policy company. My dog started to limp at a very young age and a few months after extensive imaging was diagnosed with Elbow Dysplasia and needed to get surgery. Healthy Paws and their customer service was and continues to be absolutely impeccable. They always review the claims within 2-3 days, keep you updated with every step of the process, and will let you know once the claim has been reviewed and completed.

    The reimbursement checks are sent out within 2 days of reviewal and completion of claims. They are quick, efficient, and very professional. I wouldn't have been capable to afford the all of the medical bills if I didn't have Healthypaws. One CT scan was close to ~ $1,800, not to mention x-rays, medications, Rehab! Having a sick/injured pet is extremely stressful, and even though all pet owners want to provide their fur companions with the best care, finance is a concern when the bills begin to add up to multiple thousands. Knowing that I had Healthypaws, made it so I had one less thing to worry about. I didn't have to worry about waiting for months before getting the reimbursements, I could provide my fur baby with the proper medical care he needed and I can't thank Healthypaws enough for that.

    The only con I feel the need to mention is that there's no regulations in regards to premium change, our monthly premium went from ~ $37 a month to ~$51 a month in 2 years (my dog is 2 years 1/2 years old), there's no telling how high the premium can/will increase. In summary, Healthypaws is an insurance company you won't regret getting.

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    Customer Service

    Reviewed Oct. 29, 2022

    Healthy Paws is wonderful. We have filed several times and are very pleased. This last time we received a follow-up inquiry as to our pet's recovery from surgery. We have been with other insurers over the years. Healthy Paws is by far the best.

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    Customer ServiceCoveragePriceStaffRates

    Reviewed Oct. 29, 2022

    As a veterinarian, I would absolutely not recommend this company to anyone. The claims process is as inefficient as it possibly can be; each time I have made a claim, I have had to submit the records three to four times in addition to having my veterinarian submit the records separately. This is a waste of my time and my veterinarian's. The company only communicates with automated emails and do not provide any information specific to my needs. The customer service staff is surprisingly incompetent and incredibly challenging to reach via email or phone. The pricing is unreasonable compared to other insurance companies. I would strongly encourage any pet owner to purchase insurance from another company.

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    Healthy Paws, a Chubb Company
    Response from Healthy Paws, a Chubb Company

    We apologize for the frustration you encountered during the processing of your claim. As per the policy we do require medical records for all enrolled pets in order to process claims. Per our customer care team member’s email to you, we have received some records and they have outlined what will be needed for future claims processing, They have also offered to reach out to your veterinarian on your behalf to get those records. Your current claim has been processed per the terms of your plan.

    Customer ServiceCoveragePunctuality & SpeedStaff

    Reviewed Oct. 19, 2022

    I have a 9 year old rescue dog that has been covered through Healthy Paws since her adoption about 5 years ago. Since then she has been diagnosed with several mast cell tumors, myeloma, arthritis, and glaucoma, resulting in lots of vet visits, medications and surgeries. Throughout everything Healthy Paws has been very easy to work with in submitting a claim, quick in responding, and easy to understand in terms of what is covered and what is not. I'm so grateful to have pet insurance and Healthy Paws has saved me lots of money, and made me feel more comfortable in getting my pet the best healthcare!

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    CoveragePricePunctuality & SpeedStaff

    Reviewed Oct. 14, 2022

    Thank you Healthy Paws for your awesome Insurance. It has been a blessing for my chihuahua Kiki & me to have your INsurance since Dec 2020. My earlier claims were just basic health care for Kiki. Filing claim are easy, service is excellent. Best of all, reimbursements are prom & without hassle. In August, 2022, Kiki has major surgery for his knee, the cost without Insurance would be prohibited. Fortunately, with Healthy Paws Insurance, Kiki was able to have surgery, the reimbursement for significantly amount was also prompt & without hassle. I strongly recommend Health Paws for all pet owners.

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    Punctuality & Speed

    Reviewed Oct. 14, 2022

    My pup was diagnosed with mast cell cancer and needed surgery to remove the masses. Have had Healthy Paws since I brought my girl home 4 years ago. While sad at the diagnosis..Was so grateful to have Healthy Paws. All claims were easy to submit and quickly worked.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Oct. 13, 2022

    I have Healthy Paws for three of my dogs. They are responsive, professional, and quick. They even emailed me to today to check in on my golden retriever puppy who had a dog bite from one of my other pets. I was so touched by their care and concern for my sweet Finn.

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    CoverageStaff

    Reviewed Oct. 10, 2022

    I started the insurance shortly after I adopted my cat Pepper at 8 weeks, and it’s one of the best decisions I’ve made. Pepper is now almost 6 years old and this insurance has helped lots when she was diagnosed with diabetes last year, and when she needed surgery to extract teeth affected by resorptive lesions this year. It saved me thousands of dollars in total. I’ve thought about canceling when she was healthy, but I’m glad I didn’t and stuck with the plan. You never know what could happen to your pet. The insurance brings you a peace of mind.

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    Customer ServiceCoveragePunctuality & SpeedStaff

    Reviewed Oct. 4, 2022

    Healthy Paws is a wonderful pet insurance company. It’s easy to submit claims for my dog, Asher, via the Healthy Paws app, as well as, through email. The Healthy Paws team addresses all claims quickly ensuring my fur baby receives the best care possible.

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    Customer ServiceCoverageStaffBilling

    Reviewed Sept. 29, 2022

    Healthy Paws pet insurance has been a godsend. Our puppy recently had emergency surgery and was in the hospital for several nights. When all was said and done, the bill was over $4000. Healthy Paws paid 80% of her bill and our reimbursement was deposited into our account within 7 business days. I cannot recommend them highly enough. Their customer service is amazing and they have followed up several times to see how our puppy is doing. If you’re considering pet insurance, Healthy Paws is the way to go.

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    Customer ServiceCoveragePricePunctuality & SpeedRefunds & PayoutsStaff

    Reviewed Sept. 28, 2022

    Of my cats recently decided to ingest a felt string with a thin wire inside. We took him to the Emergency Vet and an ultrasound confirmed that the string was still inside his stomach. Luckily they were able to remove using an endoscopy procedure. The total cost was over $3,000. I paid up front but thank goodness I have Healthy Paws pet insurance. I submitted my claim with all medical history and felt confident that Healthy Paws would take care of it. The claim was resolved with a couple of weeks and I was reimbursed directly into my account. Having Healthy Paws for my 3 cats gives me peace of mind for exactly a situation like this and helps alleviate much of the stress. I would highly recommend to any pet parent. The other thing that really touched was an email I received a few weeks after inquiring how my cat was doing. As a pet parent this small act of kindness really touched me. Thank you Healthy Paws for your fast, efficient, and kind service.

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    PricePunctuality & SpeedRefunds & Payouts

    Reviewed Sept. 28, 2022

    Healthy Paws is quick with their paperwork and turnaround time. Sadly, after year three, you will begin to see MASSIVE INCREASES $$ in their premiums. Each year after that you can expect to see more added. 6 years ago I was at $34 per month, as of next month it will be $65. I have had two minor claims that were paid for by my deductible. There is no regulation and these people will just get you in, then as your beast starts to age, you won't want to pull out. It is manipulative and quite unfair. But I can't start over somewhere else.

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    Healthy Paws, a Chubb Company
    Response from Healthy Paws, a Chubb Company

    Leolpold - Thanks for your kind words regarding our customer service. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website. We understand your concern and would be happy to review your account and discuss your premium increase with you in greater detail. Please call us at (855) 898-8991 and we will gladly answer any questions you have regarding the factors that went into your premium increase.

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    Coverage

    Reviewed Sept. 24, 2022

    I just want to say how thankful I am that I have pet insurance with Healthy Paws. My pup had to have a major procedure to remove a cancerous mass from her cheek. She is only two and I was devastated. The fact that I had great coverage with Healthy Paws allowed me to make all the right decisions for my young dog without having to worry about the financial implications. She is healing nicely. I would never have a pet without insuring them with Healthy Paws.

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    CoveragePricePunctuality & SpeedRefunds & PayoutsBilling

    Reviewed Sept. 24, 2022

    My German Shepherd Cash has been covered by Healthy Paws for over 6 years now. They have been a great company for years, paying for his monthly allergy medication, etc. Clams have always been paid quickly and fully - based on our coverage. But recently, Cash got very ill with pancreatitis. He was at our vet 2-3 times getting fluids, and tests to determine what was wrong. He had to go to a specialty emergency animal hospital for 3 nights - getting more and more tests, IVs, feeding tube, ultrasounds, etc. We almost lost him and it was so stressful for us. It was very expensive and we had to keep authorizing funds daily.

    Luckily we knew Healthy Paws had our backs and we didn't have to worry so much about the money and could concentrate on Cash. He finally improved, but after coming home had to go back to our vet a couple more times. The bills added up over thousands and thousands of dollars. Luckily, within a week after filing our claims, they were paid, as expected. We won't have another pet without Healthy Paws. I highly recommend them for your pet's insurance.

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    Rates

    Reviewed Sept. 17, 2022

    Healthy Paws doesn't just raise your rates, they triple them.
    Here's my latest rate increases:
    Sep. 2019: $61/mo.
    Nov. 2022: $162/mo.

    And I received these increases even though I did not even have any claims.

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    Healthy Paws, a Chubb Company
    Response from Healthy Paws, a Chubb Company

    Jimmy - We realize no one likes any form of premium increase. We understand your concern and would be happy to review your account and discuss your premium increase with you in greater detail. Please call us at (855) 898-8991 and we will gladly answer any questions you have regarding the factors that went into your premium increase.

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    CoveragePunctuality & SpeedStaff

    Reviewed Sept. 15, 2022

    My husband and I picked HealthyPaws for our insurance for our dog, Herc, as soon as we got him from the rescue that saved him almost five years ago. It was one of the best decisions we made when it came to looking out for our furry family member. Not only have we had zero issues when it comes to quick and easy reimbursement for care, we have actually had representatives reach out to us to check on our Herc is doing after procedures. I could not recommend their services more highly to anyone looking!

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    CoveragePricePunctuality & Speed

    Reviewed Sept. 14, 2022

    I would recommend Healthy Paws to furry baby parents who are looking for good insurance or thinking of getting one. I got my Bichon puppy from an AKC heart-rated breeder and expected him to be healthy. I did the internet search for pet insurance and chose healthy paws when he was 3-month. Now he is 2-year and is diagnosed with luxation patella. A surgery fix was suggested by the vet and the cost was around 3K. I can't tell you how frustrated I'm to hear this news. I did a lot of work to find a well-rated breeder and chose the almost most expensive one, but my baby still suffers from a health problem.

    I talked to the breeder and she said this puppy was the first sick one in her 30+ years of experience. I couldn't tell if she said the truth, but anyway, the accident could happen and I'm grateful that I enrolled my baby in the insurance when he was young so this accident was covered. Going through surgery with your pet is super tough, it's even tougher than getting the surgery on yourself both physically and mentally as well as economically, and the insurance now plays an important role and makes sure you don't need to "give up" therapy due to budget.

    The reimbursement process of healthy paws is very fast, my first claim was processed using around 1 week, and my later claims were processed using 3 days. They also don't increase premiums a lot when your pet gets older compared to other insurance. If you're thinking of enrolling your pet, just do it as early as possible since the insurance doesn't cover pre-existing conditions. There's only 15 days waiting period which is short compared to other insurances.

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    PricePunctuality & SpeedStaff

    Reviewed Sept. 8, 2022

    My husband & I are both retired, & the cost of surgery to repair our dog's 2 torn CCLs would likely have been prohibitive for us. Thanks to Healthy Paws, we are able to provide the best possible treatment & care for her. The company paid promptly on our claims, & even reached out with concern over how she was recovering. Healthy Paws is a truly wonderful company! We highly recommend it!

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    Customer ServiceCoverageTechPricePunctuality & SpeedRefunds & PayoutsStaffBilling

    Reviewed Sept. 7, 2022

    Healthy Paws has been nothing short of amazing for our dog Teddy. This was our first pet we had insured and it was mainly only done due to hip dysplasia worries. We enrolled him as soon as we got him in 2015. Teddy is an Akita/German Shepherd mix and past experiences with dogs that big have always had arthritis and hip issues down the road. So we enrolled him in 2015 on the 90% coverage, $100 annual deductible plan. It has been a literal lifesaver for him and our family and likely one of the best decisions I have ever made in my life.

    I tried Figo Pet Insurance with 2 of my other dogs and they have been nothing but headaches and drama dealing with 1 of my dogs who sadly passed due to osteosarcoma spreading to his spine. They take weeks and weeks to look at your claims and in his case it was usually almost always denied or with a problem. Sometimes they would cover bloodwork, sometimes they didn't. It was crazy, a nightmare to deal with and I highly recommend everyone avoid Figo at all costs.

    HealthyPaws has never had that sort of problem. They have covered little things like UTIs, monthly glucosamine shots and antibiotic meds. But they also have covered MAJOR life-threatening things without any issues for Teddy. Teddy had a mast cell tumor removed from his chest in fall of 2017 after adopting him. Every penny of that bill which was over $3,000 was covered with no issues at all. In fact, only ONE time in roughly 100 claims have I ever had a issue and all it took was a simple phone call for that to be resolved. The turnaround times are very reasonable and fast, never takes more than a week or two tops.

    In June 2022, Teddy started having severe neurological signs and a brain tumor was suspected. To make a very long story short, he ended up having to have stereotactic radiation and chemo. This is certainly not cheap, his bill was roughly $15,000. HealthyPaws paid EVERY single penny of it except the usual things they do not cover (exam fees etc). I was reimbursed for 90% of that entire bill. They even emailed me to check and see how he was doing. They just spent over 13k on Teddy and still care enough about him to see how he was doing. HealthyPaws is amazing and I won't even consider another pet insurance company moving forward.

    He gets his bloodwork checked almost every week now, monthly chemo meds and other meds. All of this is covered without issue and pet owners know how expensive weekly blood tests can be. HealthyPaws is AMAZING, I cannot stress this enough. I have already recruited a friend to enroll their new puppy with them and I hope this review can help others make the proper choice here also. Teddy is thus far doing as well and roughly 90% of his former self. Our family and Teddy owes this all to the wonderful care he got from the doctors but also HealthyPaws. I will never use another pet insurance provider, HealthyPaws care of Teddy has made me a fan for life.

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    Customer ServiceCoveragePricePunctuality & SpeedRefunds & PayoutsStaffBillingEase of Use

    Reviewed Sept. 2, 2022

    When I first got my dog, we were with another insurance company and it was a hassle in terms of getting claims to them and even more so for reimbursement. We switched to Healthy Paws in 2013, and they have been really amazing. Great customer service reps and an easy to use app and website, can upload invoices from your phone and quick to reimburse. The no lifetime limit is also a big one for me, as my dog is older and I don't want to be stressing about vet bills if it means saving his life or making him more comfortable. He's recently had fairly major surgery for a dog his age and knowing that we reached our deductible and will be covered at 70% took much of the financial strain off my plate.

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    CoveragePunctuality & Speed

    Reviewed Aug. 31, 2022

    We’ve had Healthy Paws since we brought them home our 3 Bengals as kittens, and we’ve had 4 hefty claims in 5 years. Each time, the claims process was painless and we were not paid quickly. Over $10K saved so far! Best insurance company ever.

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    Customer ServiceRefunds & PayoutsStaff

    Reviewed Aug. 31, 2022

    My dog was very sick and I was forced to file a claim.. Healthy Paws did everything I requested to my satisfaction. I would highly recommend this company. Customer Service was very helpful and friendly. I received my refund in an excellent, timely manner.

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    Customer ServiceContract & TermsCoverageSales & MarketingPriceOnline & AppTransparencyTimeliness

    Reviewed Aug. 31, 2022

    Find another pet insurance company. The facts on their website are wrong. They state they cover diagnostic testing and prescriptions, but I just had two claims denied for both of these things. I asked why and emailed FOUR TIMES with no response. They only stated that "exam fees are not covered." Well... testing and prescriptions should be according to their site. The only way to get a response from this joke of a company is to open a BBB complaint. This company is a waste of money and a scam! They do not make good on their policy agreements and will find any reason to deny your claim. I have opened three claims and my experience was the same for all three - I only got a response AFTER I opened a BBB complaint on them.

    DO NOT MAKE THE SAME MISTAKE AS ME. DO NOT GO WITH HEALTHY PAWS! Claim numbers ** and **. Both claims have things that should be covered under the policy. Both claims were denied. No emails answered when asking for an explanation. A second BBB complaint has been opened. This company is NOT worth the hassle.

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    Healthy Paws, a Chubb Company
    Response from Healthy Paws, a Chubb Company

    Rachel - After a thorough review of your account and claims, both of your claims were processed and covered correctly as per your policy. Everything (medications, urinalysis, and patient care) on both of the invoices were covered with the exception of the examination fees. As per the policy, the exam fee is an exclusion and as such is not eligible for coverage.

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    Customer ServiceCoverageTechPricePunctuality & SpeedStaff

    Reviewed Aug. 30, 2022

    Healthy Paws is an excellent provider for pet insurance. My dog recently had a major surgery, TPLO, which was very stressful and expensive. Being insured by Healthy paws made the process as easy as possible. They processed my claim very quickly and issued the reimbursement immediately. Also, they seem to really care about the well being of my dog as they followed up to see how her recovery was going. I highly recommend Healthy Paws!!

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    Customer ServiceCoveragePricePunctuality & SpeedStaff

    Reviewed Aug. 24, 2022

    My sister-in-law insisted I get Healthy Paws insurance when we got our new puppies. I was reluctant since we didn't have it for our other dogs. Thank god I did. Both puppies had to be hospitalized and it was expensive. Healthy Paws makes it easy to file a claim, they are super responsive when I asked questions and they completed claims very fast. They also followed up just to see how the pups were doing. I highly recommend Healthy Paws!

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    CoveragePriceStaff

    Reviewed Aug. 24, 2022

    My dog recently underwent TPLO surgery (Aug 2022), which as anyone who has gone through this, can be quite costly. Thank goodness many years ago I chose Healthy Paws for my pet’s health insurance. I filed a claim, which was processed exactly as stated in the policy, and without any stress. These situations with our fur-babies are stressful enough, as it is. I couldn’t be more pleased with Healthy Paws. I have recommended them for pet insurance throughout the years, as they are responsive, and hassle-free.

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    Punctuality & SpeedRefunds & PayoutsStaff

    Reviewed Aug. 12, 2022

    I have two dogs both two now. When we got the pups they were healthy babies. 3 surgeries later on their ACL's and one more ACL to go. Plus one unexpected emergent surgery. Healthy Paws never gives an issue and Reimburses quickly. I cannot imagine where I would be without their help.

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    Customer ServiceCoveragePunctuality & SpeedStaff

    Reviewed Aug. 6, 2022

    Wow, I can’t say enough how amazing my experiences have been with Healthy Paws since I’ve had Petunia. After just one or two minor hiccups her first few years, a few weeks ago really was life or death. After emergency vet care, for several hours wasn’t sure if she’d even make it through for a 5 year old dog. But against all odds, she did. Petunia is doing amazing- recovering very well, acting like herself again. I am a single female, who rescued a female pitbull. She is the sweetest girl, little did I realize had more of a fan club than most humans I know. So many have been asking and following up about her. I couldn’t be more thankful that I had Healthy Paws to fall back on for financial support. I have been urging friends and family with furry ones to join, if they hadn’t already. The quick responses, claim reviews, and reimbursement is truly applaudable. If only human insurance was so efficient!!

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    Customer ServiceCoverageRefunds & PayoutsStaffBilling

    Reviewed Aug. 3, 2022

    Please, if you care about your pet's health, do not use this company. I've been going back and forth with them for two months trying to get reimbursed for my dog's pneumonia bills. Three vet clinics have sent my dog's records to Healthy Paws multiple times, but they just keep requesting the same records over and over until they cancel the claim. This is a borderline fraudulent business. Their communication is terrible, and they make fining a claim impossible. Shop for insurance somewhere else. I'll be switching to another company.

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    Healthy Paws, a Chubb Company
    Response from Healthy Paws, a Chubb Company

    Chris - We do our best to be transparent regarding the need for medical records during enrollment and in your plan documents. We use a pet's medical records and notes written by the attending veterinarian to determine if there are any pre-existing conditions that would keep us from approving a claim. We appreciate your efforts in sending us those records. Your claim has been processed and you should receive your Explanation of Benefits in the next 24-48 hours. Give your babies hugs from us.

    Customer ServiceCoveragePunctuality & SpeedStaffBilling

    Reviewed Aug. 2, 2022

    If you are on the fence about which insurance to get, get Healthy Paws. We have had HealthPaws for both of our pups for over seven years. This review is long overdue. When our 13-year-old puggle became suddenly ill, knowing we could focus on her and not have the weight of how much an emergency hospitalization was so helpful. From a business perspective, HealthyPaws has always reviewed the claims quickly and made payment in less than 10 business days (usually much faster), which is amazing.

    Then comes HealthyPaws humanity. After Zoe's unexpected visit, we received an email checking in asking how she was doing. *Never* in my human life, have I had an insurance company reach out to me after an unexpected illness. They do not only give you peace of mind to focus on the furry love of your life, but they care. They care about the furry ones they insure, and I am just not quite sure you can ask for more than that.

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    CoveragePriceStaff

    Reviewed Aug. 1, 2022

    My husband and I have two rescue dogs, Bear and Layla. Layla had had very few accidents and illnesses over the years but Bear has more than made up for that! We would do anything to keep him healthy and happy, but we would go into debt taking care of him if not for Healthy paws. We receive our claim reimbursement within a week of our initial cost, and the team at healthy paws even reaches out to make sure he is doing well. I recommend pet insurance in general to all pet owners I know, and healthy paws is definitely the best in my book!

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    Customer ServiceCoveragePricePunctuality & Speed

    Reviewed Aug. 1, 2022

    We would highly recommend this insurance to pet parents. We were able to afford our furbaby's pricey leg surgery thanks to good coverage. It's affordable and claims are simple to file with quick turnaround time for issuing claims checks. They even reached out by email to check on Pip after he had his surgery.

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    CoverageStaffBilling

    Reviewed Aug. 1, 2022

    I cannot recommend Healthy Paws insurance enough. I have had bad luck with my puppy dogs this year and Healthy Paws has been there every step of the way. From a kidney infection with one dog that required hospitalization to knee surgery with another dog and rehab therapy, Healthy Paws covered everything! Not only did they cover all of the medical bills, to make it possible to keep my dogs healthy and happy, their reimbursement timeframe was less than a week. If only my own health insurance could be this outstanding! I highly recommend this insurance company to anyone who has a pet. You never know when you’re going to be hit with an outstanding hospital or emergency room bill and Healthy Paws will help ease some of the stress of that experience.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Aug. 1, 2022

    We’ve been a Healthy Paws customer for 3 years. We live in the country with a big dog who runs around a lot. He’s had a couple of injuries (needed ligament surgery) and healthy paws has always paid the claims in a fast and efficient manner. Their customer service people are friendly and helpful.

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    CoveragePriceBilling

    Reviewed July 30, 2022

    So grateful and thankful for Healthy Paws Pet Insurance. We have had this policy since our dog was a puppy and are so thankful Healthy Paws is always there when we need them. We typically meet our deductible most years with our Bernese Mountain Dog, but most recently we had a scare with diarrhea/vomiting/loss of appetite/lethargy and refusal of water. His liver enzymes were > 3000 (normal is < 120). He was hospitalized for 4 nights and had his gallbladder removed. Healthy Paws covered 90% of our bill after meeting our deductible. We couldn’t be more thankful. Not sure what we would do without the insurance. Highly recommend without reservation! Thank you Healthy Paws!

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    CoveragePunctuality & Speed

    Reviewed July 28, 2022

    I have had Healthy Paws Pet insurance for many years and it is simply the best company. They have totally approved all of my pets covered expenses and promptly paid all my invoices. It has given me the piece of mind that I never have to decided what is best for my pets simply due to the expense of a treatment. I wholeheartedly recommend this company! Everyone should have it if they have a pet.

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    Contract & TermsCoverageOnline & AppStaff

    Reviewed July 28, 2022

    Healthy Paws has been very responsive and helpful in processing and fulfilling my insurance claims according to our agreement. The people at Healthy Paws are professional and friendly as they process claim. They also display a genuine concern for our pet. It is easy to file and track insurance claims on their website. I recommend Healthy Paws.

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    CoveragePricePunctuality & SpeedRefunds & PayoutsStaffBillingHonesty & Transparency

    Reviewed July 28, 2022

    I have been using Healthy Paws for my two English Bulldogs for the past 6 years and they have been nothing short of amazing. Bulldogs are prone to health problems and my two are no exception. Once I hit my annual deductible, Healthy Paws covers 90% of most of our vet bills which has helped me tremendously on numerous occasions. They are super quick to complete my claims and reimburse me almost immediately. If I ever have a problem or dispute with any of my claims they listen to my concerns and even reversed a denied claim for me when realizing that there was an error. They are reliable, honest, friendly and extremely accommodating and I couldn't recommend them more! I sleep better at night knowing that no matter what, my fur babies are in good "paws." :)

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    CoveragePriceStaffBilling

    Reviewed July 26, 2022

    We have a healthy 4-year-old dog and we decided since he was a puppy to obtain pet insurance for him. The unexpected happened when he was stung by a bee and went into shock. The emergency hospital bill was VERY expensive and Healthy Paws covered 80% of the total (as per our policy). The funds arrived within 10 days of the submission of the hospital invoice. No questions asked, very responsive.

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    CoveragePriceStaff

    Reviewed July 26, 2022

    We bought pet insurance from Healthy Paws right when we picked up our puppy a few years ago. Some people do not think it is worth the cost, but I can say that yes it is! We recently ran into the situation where our pup had to have a growth removed, and Healthy Paws took care of the claim without asking for ridiculous things or stalling. We provided the documentation and they upheld their end. We have had to file a number of claims through them with the surgery etc and everything has gone very smooth. I highly recommend them!

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    Coverage

    Reviewed July 26, 2022

    I couldn't be happier with Healthy Paws. We had a near death incident with our puppy and healthy paws covered everything 90% with no hassle. The money gets deposited into my account within 2 days and nothing is better than that!

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    CoveragePricePunctuality & SpeedStaffBillingTimeliness

    Reviewed July 25, 2022

    When we first adopted our pup 2 years ago, we debated if pet insurance is worth the cost. In the end, we decided to do it, and I'm so glad we did. While our dog was young and healthy when we adopted her, we couldn't have possibly predicted all her healthcare needs, which included a parasite, an esophageal issue, eyelid surgery, severe allergies.. and most recently, a hip replacement surgery. In every case, the claims process has been so quick and easy, and payment came within days. It is such a relief to be able to make decisions for my pup just based on what is best for her, not having to worry about the cost. I know that her quality of life is so much better because of it! And it gives me peace of mind as well, knowing that we can care for her no matter what comes up.

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    Punctuality & Speed

    Reviewed July 22, 2022

    My dog had dental issues unexpectedly which resulted in the need for surgery. Healthy Paws was extremely easy to work with. The claim was received and processed very fast. We received our reimbursement check in a very timely manner as well. Highly recommended.

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    PriceRefunds & PayoutsStaff

    Reviewed July 20, 2022

    I was really thankful to have Healthy Paws when finding out my dog needed a TPLO surgery. The worry of where that money was going to come from was soothed knowing that at least Healthy Paws would reimburse up to 80% of the costs. They did just that and I am so grateful to have been able to get my dog the help they need.

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    Customer ServicePunctuality & SpeedBilling

    Reviewed July 19, 2022

    My puppy ate a 6 1/2" kebab skewer whole and went through three vets before getting lifesaving surgery. Healthy Paws had a no fuss quick turn around that allowed me to pay off his bills. They emailed to ask how my puppy was doing post op which I thought was sweet.

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    CoveragePricePunctuality & SpeedRefunds & PayoutsStaff

    Reviewed July 18, 2022

    Healthy Paws has been extremely helpful in every aspect of my pet's insurance needs. Not only are they extremely cost-effective, they are prompt and quick to reimburse after submitting claims. I reviewed many other pet insurance policies and by far Healthy Paws has stood out as the best company to work with for my pet's insurance needs.

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    PriceRefunds & PayoutsMaintenance

    Reviewed July 14, 2022

    Our 4 year old beagle somehow hurt his neck. A herniated disc pressing on his spine. We tried medication but it did not work. He was in absolute agony. On the advice of our vet Tom ** we took him to see a neurosurgeon at Blue Pearl Vet. He had surgery and is back to normal. The cost of the surgery was $7553. Our policy with Healthy Pet paid 80%. We received a check for $5998 within two weeks of him having the surgery. Thank God for Healthy Pet. We have healthy pet on both of our babies Jake or beagle and Maggie our cocker spaniel. Healthy Paws is the best. We they recommend them.

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    CoveragePricePunctuality & SpeedRefunds & PayoutsBillingTimeliness

    Reviewed July 14, 2022

    I have had Healthy Paws for about 6 years. I have 2 Goldendoodles. Every time I have had a claim, large or small, they review and pay it out within days. No hassles. No denials. My youngest pup ate a toy a couple of weeks ago and had to have it removed at the ER. Final bill was around $4k, and I was reimbursed 90% of that (less my deductible) within about 5 days. I can’t say enough good things about them. Get when your pup is young, though. Made the mistake of waiting until my 2nd pup was almost a year old, and because he has already had an ear infection, any subsequent ear/skin infections are considered pre-existing and aren’t covered. Worth it to get them enrolled early.

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    CoveragePriceStaffBillingEase of Use

    Reviewed July 11, 2022

    Healthy Paws Pet Insurance is easy to navigate the collection process. My pet was ill, I filed the claim and within a few weeks I had payment. So glad I have insurance. Pet medical care can be very expensive.

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    CoveragePunctuality & SpeedStaff

    Reviewed July 6, 2022

    Fast reimbursement less than a week!! Covered hospitalization 90%!!! Reviewed claim right away. Allowed me to get the best care for my pup without worrying about finances!!! Low monthly premium. Best coverage around. Very friendly and caring. Best pet insurance ever!

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    Punctuality & SpeedStaff

    Reviewed July 5, 2022

    My dog recently had a major back surgery and I have to thank Healthy Paws for helping me out financially. It was easy to submit a claim and the claim review and reimbursement was super quick. I would highly recommend HealthyPaws.

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    CoveragePunctuality & SpeedBilling

    Reviewed July 5, 2022

    Healthy Paws is the best! During a recent bout of IBD the medical bills for my Husky/Shepherd mix racked up quickly. Healthy Paws paid their fair share quickly with no hassles at all. In fact, after about the fourth check they wrote and asked how he was doing just to make sure he was ok. Now that's good service! At this point I'm sure they've paid me more in reimbursements than I paid them in premiums, but they've never complained. (Oh, and they did the same thing for my last dog...a 14 year old GSD with multiple health issues). I wish my own health insurance were this good.

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    Customer ServiceCoveragePunctuality & SpeedRefunds & PayoutsStaffTransparency

    Reviewed July 1, 2022

    Because of claim **. I signed up with Healthy Paws many years ago for two of my dogs where I paid monthly to make sure that they were covered. I never had to use the insurance until last year or so with my first dog. They made it incredibly difficult to get reimbursed. They want your entire pet's medical history from the time they joined your family, which I wished they had told me this when I signed up. So if you don't have it. it will become a nightmare. Prepare to never get things resolved! You can email them a hundred times and you probably won't get an email back, or you will get one that doesn't relate to your questions or concern. It's really sad.

    Recently, I had to go through this AGAIN with my next dog. It is a nightmare that still has not gotten resolved to the point where I plan to take legal action. I first started by filing a claim. After knowing what I know when I filed a claim for my other dog the first time, I made sure to send them emails (Claim ** to claims@healthypawspetinsurance.com AND help@healthypawspetinsurance.com) to explain the situation from last time and to prevent it from happening again. I included all the medical history that I had on hand AND a timeline of all the vets that my pet had visited including the phone numbers AND addresses in case they want to follow up with the veterinary clinics themselves (in case they needed more).

    I can bet 100% that they did not read this email or any other emails of me asking for an update until I called in to talk to Jennifer. She was nice and helpful but, and said that I will not get automatic emails anymore asking for medical history... moments later, I got another one. It's just sad. I figured I will wait a few days. They closed out my claim stating that they will not reimburse anything (Explanation of Benefit). I had emailed asking if they can educate me on why none of it was reimbursed. Someone responded a few days later saying they were missing medical records... OH MY LORD... I don't know how many times I have sent it over to them. NO ONE BOTHERS READING ANYTHING. They ignore it until they can close out your claim and not have to pay you back a dime! To me, that's fraud. I called in and this time, I spoke with Sharon, and she said they are going to reopen my claim and that they have all the records on hand. Still... nothing...

    The staff are not doing their jobs. No one reads anything, cares about anything, or know what is going on. So if you are looking for insurance for your pets, please please please do not get pet insurance through Healthy Paws and look elsewhere. I plan to seek legal action. At the end of the day, the amount they owe to me is practically junk change, but it's the principle of it and I want to hold them accountable even if legal fees surpass what they would owe me.

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    Healthy Paws, a Chubb Company
    Response from Healthy Paws, a Chubb Company

    Janine - We do our best to be transparent regarding the need for medical records during enrollment and in your plan documents. We use a pet's medical records and notes written by the attending veterinarian to determine if there are any pre-existing conditions that would keep us from approving a claim. We appreciate your efforts in sending us those records. Your claim has been processed and you should receive your Explanation of Benefits in the next 24-48 hours. Give your babies hugs from us.

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    CoveragePunctuality & SpeedBilling

    Reviewed June 28, 2022

    I've been a loyal customer of Healthy Paws Pet Insurance for 7 years now and I can't express how great they are. All my questions and claims are always addressed right away. Knowing how much medical expenses can be for our pets is very stressful. I’m extremely grateful knowing that I can quickly & easily submit my bills online and have a fast turnaround. They're the best!!!

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    CoverageSales & MarketingPricePunctuality & SpeedOnline & AppRefunds & PayoutsEase of UseTimeliness

    Reviewed June 27, 2022

    When we welcomed home our dog, Charlie, just under two years ago I already knew what pet insurance to sign up with, Healthy Paws! My sister had already had Healthy Paws for her dogs and told me about how easy and affordable it was. She had already filed a claim and was quickly reimbursed. I had the same experience. I was able to get 90 percent coverage and only a $100 deductible for a comprehensive plan. My dog Charlie had no health issues until a couple weeks ago when he suddenly started acting different and vomiting all day. I rushed him to the emergency Vet which is very costly. Healthy Paws paid me back within days of submitting my claim.

    The app is very easy to use! A week or so later, they reached out to me to check on my pup who luckily is all better! I can't tell you what peace of mind I had while I was with him at the vet knowing he'd be covered! It was heartbreaking overhearing others with no coverage trying to figure out what to do since they couldn't afford treatment.

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    Punctuality & SpeedStaffBilling

    Reviewed June 27, 2022

    My Chow Chow, Kallie, tore her ACL and required surgery. Healthy Paws was extremely considerate of her health issue and cooperated with me and her vet in order for her to receive the best possible treatment. The submission of invoices was easy to do and payment from Healthy Paws was very fast. I highly recommend their services.

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    Sales & MarketingPriceStaffHonesty & Transparency

    Reviewed June 25, 2022

    Tripled my premium. Informed me that medical records I submitted were insufficient and when the Vet told me more detailed records didn't exist in their system, HealthyPaws refused to assist in resolving the issue until I had a claim to file. So they wanted to take money from me every month, without helping resolve this issue, and then when it came time to file a claim, they would have a good reason to deny it. Overall, felt very dishonest and like a scam.

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    Healthy Paws, a Chubb Company
    Response from Healthy Paws, a Chubb Company

    We understand no one likes any form of premium increase. All premiums are based on the rates and rating rules filed and approved by each state’s Department of Insurance. We appreciate your efforts in providing the records that were available from your veterinarian. Our team did reach out on your behalf to gather any additional medical records. Your most recent claim was processed based on the plan terms and the reimbursement level/deductible chosen at enrollment.

    CoveragePriceRates

    Reviewed June 23, 2022

    I have had insurance with Healthy Paws since 2018. Be warned, your rates will go up and up and up even if you never file a claim. I would estimate I have had approximately 8 increases since 2018 (it is 2022), and my rate has about doubled. For the first time in 2022 I had to file a claim. What a mess. The incompetence of this company is beyond any I have experienced. They are trying every way to deny the claim. I had to send all vet records of my dog, even from prior to having this insurance as they searched for a pre-existing condition, (obviously this underwriting was already done when we first got the insurance).

    I had to send all records several times because they didn't receive them or lost them. They have tried to process 1/2 the claim and then hold the other 1/2 until my policy deductible reset! It has been a nightmare and the claim is under $1000.00! As I write I am currently on hold for 28 minutes. I have filed two complaints with the State Insurance Department! This company is about 1 thing, MAKING $$$

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    Healthy Paws, a Chubb Company
    Response from Healthy Paws, a Chubb Company

    Denise,

    All claim decisions are based on your pet’s medical records and the signs/symptoms that are noted. All premiums are based on the rates and rating rules filed and approved by each state’s Department of Insurance. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rising cost of veterinary care. As with any plan with a deductible, that has to be met before reimbursement can occur and is based on the date of service of your invoice.

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    Refunds & PayoutsRatesTimelinessHonesty & Transparency

    Reviewed June 23, 2022

    I highly recommend Healthy Paws for your pets. I would never go without it. The rates are reasonable and they pay within days of claim submission. I've used a few times over the years but most recently, my Dixie had to have 4 mast cell tumors removed with 2 surgeries, lots of imaging & tests, 2 night hospital stay each surgery to the tune of $14K. Claims were submitted and I had the money in my account in 2 days of discharge. Healthy Paws even reached out to me to see how my girl was doing. I can honestly say that Dixie is doing well and that is largely in part to Healthy Paws allowing us to get her the best treatment possible.

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    Punctuality & SpeedBilling

    Reviewed June 19, 2022

    I am so thankful for Healthy Paws this year. It's been the difference between manageable expenses and a mountain of credit card debt. They've been so easy to work with and and each transaction has been handled quickly and efficiently. I'm so thankful.

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    Customer ServiceCoverageStaff

    Reviewed June 14, 2022

    My dog Oscar just had his spleen removed. It was a stressful time for us. He is a big part of our family. The people at Healthy Paws were so efficient and professional helping us get our claim processed. At one point they needed more medical information...When I called the Animal Hospital they told me that a rep from Healthy Paws had already called and that the information had been sent to them. What insurance company does that? Great service. Thank you Healthy Paws for helping us keep our Oscar healthy!

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    Customer ServiceCoverageSales & MarketingPriceStaff

    Reviewed June 10, 2022

    I was a client of Healthy Paws Pet Insurance from 2019 till recently. When it came time for me to submit valid claims, I was given an extreme run around about information. I submitted ALL requested documentation for my Toy Pomeranian, was told they didn't have everything and would close out the claim if they didn't receive the requested medical records. I contacted customer service. The 1st representative I spoke with told me that I didn't need to be concerned that was just an automatic email that was sent while my information was under review. Well, my claims were closed. I called back, spoke with another representative for 45 minutes, after going over everything in detail my claims were reopened. Only for them to reject them again for not having the complete set of Medical Records.

    Very Poor Customer Service, and scammers. I called a 3rd time and spoke with another representative who convinced that she would be able to submit my claims for at least 50% return if I agreed to make so that my policy was now starting from this new date of 2022, which would make all previous claims list as pre-existing conditions. So the 1st claims was rejected. The 2nd which I should've received reimbursement for, in turn they said my policy was being renewed, my fees were increasing and now the money I should've received was going to applied to my deductible. This was an extreme scam, I never saw a dime of my money. Everyting went right back into their pockets. I strongly advise not signing up with Healthy Paws Insurance.

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    Healthy Paws, a Chubb Company
    Response from Healthy Paws, a Chubb Company

    We do our best to be transparent regarding our need for medical records and an enrollment exam. All claim decisions are based on your pet’s medical records and the signs/symptoms that are noted in those records. Most pet insurance companies including Healthy Paws use a pet's medical records to determine if there are any pre-existing conditions that would keep us from approving a claim. We appreciate your efforts in providing those records and were able to process your claim.

    Customer ServiceBilling

    Reviewed June 8, 2022

    My dog was bitten by a rattlesnake and the bill was over 2k. Submitted the claim on a Sunday and received the check within a week. They even followed up to check in on my dog. Would highly recommend.

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    Billing

    Reviewed June 7, 2022

    Healthy Paws did a great job in processing my dog's vet bill for an endoscopy he needed to retrieve a foreign object he swallowed; now I have my happy dog back. Healthy Paws had everything completed with just a few days. Thank you so much!

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    CoveragePricePunctuality & SpeedRefunds & PayoutsStaffTransparencyHonesty & Transparency

    Reviewed June 7, 2022

    We have had an extremely positive experience with Healthy Paws and they have been very quick and efficient with processing and giving claims payouts. My family feels so much better knowing our kitty has insurance. We have had him (and the insurance) for 4 years and have racked up around 6 vet visits outside of his normal care that have been covered aside from the vet exam fee. They are transparent about how they calculate the payout amounts and we have had no discrepancies in any of our claims. We recently has 3 emergency visits within 1 week and started receiving the checks for the first visit even before we took him again. I would highly recommend this to anyone adopting a pet and definitely do it sooner rather than later since pre-existing conditions aren't covered. Some pets may never use it, but honestly, it's worth it just for the peace of mind.

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    Customer ServiceCoveragePunctuality & SpeedStaffTransparency

    Reviewed June 7, 2022

    I have used Healthy Paws for almost a decade and with three pets. Their coverage has enabled me to get quality medical care for my furry family members when we have needed it most without being concerned about the financial burden. The way they review claims is always transparent and the explanations of benefits are easy to understand. Their customer service is always attentive and prompt. I couldn't recommend them more!

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    Contract & TermsCoverageStaff

    Reviewed June 2, 2022

    I have three cats. One was recently diagnosed with Feline Asthma. Once diagnosed, he was placed on a steroid which the vet thinks lowered his immunity and he caught an upper respiratory infection. He then gave that to one of my other cats who got really sick and I had to take him to the emergency vet because he stopped eating and had a fever. Both cats are fine now, although the Asthmatic cat will be on meds for life. Healthy Paws was a LIFESAVER! The process was so easy and because I had this insurance, I did not hesitate to get my cats the care they needed. They fulfilled every part of their agreement. Thank you!

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    Punctuality & Speed

    Reviewed June 1, 2022

    We have had a great experience with Healthy Paws! Our adopted pup has run into a series of health issues and Healthy Paws has made it easy to file claims and are quick with reimbursements! Would recommend for anyone with a four-legged friend!

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    Customer ServiceCoveragePricePunctuality & SpeedStaffBillingRates

    Reviewed June 1, 2022

    It’s very clear from my experience with Healthy Paws that they are more than just an insurance company. They do what you expect: processing claims quickly, paying claim amounts that you’re entitled to under your policy, and sending payments quickly. But beyond that, it’s evident that they care about you and your pet as more than just a policy number. They have sent me personalized follow up to check in about how my dog is doing after an injury or surgery, and when our second dog passed away last year and they saw that we put in a claim for the ER bill when he was euthanized, they sent me a heartfelt condolence letter and even checked in a few weeks later to see how we were doing after losing our pet.

    Most of the representatives who email you also have the name and picture of their pet in their signature line, and clearly they employ pet lovers. I will also say that I love that they grandfathered us in when they eliminated the policy that our current dog has, and as he gets older the policy goes up in price but never to the point that it’s cost prohibitive. I tell friends all the time when they adopt that pet insurance is essential, I tell them what Healthy Paws has covered for our dogs and what personalized service they can expect to receive. Please never change as a company!

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    Customer ServiceCoveragePricePunctuality & SpeedRefunds & PayoutsStaff

    Reviewed June 1, 2022

    As a dedicated pet parent to two Sphynx cats, I have found Healthy Paws insurance to be a total life saver time and time again. Not only are they quick to process claims but their customer service staff is kind and personable. So much so that I have called with insurance questions and hung up smiling! Healthy Paws saved my cat's life when she needed a pricey emergency surgery - I was reimbursed in less than 10 days. I can’t recommend this insurance enough!

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    Customer ServiceCoveragePunctuality & SpeedStaffBilling

    Reviewed May 30, 2022

    My experience with Healthy Paws Has been consistently excellent. Unfortunately I’ve had some medical claims over the past few years. Filing a claim is easy. Response is quick. Payment for covered services is as efficient, actually more so, than any insurance product I’ve used. I’ve recommended Healthy Paws to several friends.

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    Customer ServiceCoveragePunctuality & Speed

    Reviewed May 30, 2022

    Our pup Wyatt became very ill and was diagnosed with an autoimmune disease. He required hospitalization and many tests/treatments. Having Healthy Paws Insurance gave us peace of mind in moving forward with necessary treatments. The claim process was simple and straightforward. The response to processing was immediate and reimbursement on qualifying services was fast and very much appreciated. We love Healthy Paws and have recommended them to many friends with fur babies.

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    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