Healthy Paws Pet Insurance Reviews: Customer Service, Coverage, Waiting Period, Quote, Cancel Policy, And More

This content was reviewed by our licensed insurance agent, Michelle Schenker.

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Healthy Paws has no maximum payouts for all policies, so you never have to worry about hitting the limit on your coverage payouts, and you can count on reimbursement for any covered costs after your deductible is met. Most claims are reimbursed within two days, among the fastest in the industry. But do its policies cover the conditions you’re most concerned about?

Table of Contents

Healthy Paws Pet Insurance Review

Product Name: Healthy Paws Pet Insurance

Summary

Healthy Paws offers some of the lowest pricing for plans with unlimited payouts. It also has some of the most responsive customer support in the industry.

Our pet insurance experts read through each pet insurance company’s policy to provide detailed comparisons and information regarding how a provider fares against others in the industry. We also speak with customers, read online feedback, and communicate one-on-one with pet insurance companies to obtain a well-rounded, unbiased analysis of a company’s standings.

Our team rates pet insurance companies based on several factors, including A.M. Best ratings (an indicator of financial stability), claim processing reputations, contract coverage, customer service, pricing, plan customizations, and more.

Overall Score

Pros

• Unlimited lifetime coverage, so no annual or per-incident limits on payouts
• Claim processing averages 2 days (direct deposit or check reimbursement)
• Good CCL (ACL) coverage
• Your pet is covered when they travel with you in the U.S. or Canada (up to 3 months)
• High customer satisfaction
• Great email response time

Cons

• Veterinary exam fee and behavioral therapies are not covered
• 12-month waiting period for hip dysplasia
• Pets enrolled after age 6 aren’t eligible for hip dysplasia coverage (MD doesn’t have this age limitation)
• 15-day waiting period for accidents is longer than the competition
• Plans aren’t as customizable as competitors (can’t select a lower annual payout limit than unlimited to reduce your monthly premium)
• Doesn’t cover curable pre-existing conditions
• Pets older than 8 years old are restricted to specific limits

Key Features

• Underwriter: Chubb (administered by one of these branches: ACE American Insurance Company, Westchester Fire Insurance Company, Indemnity Insurance Company of North America, ACE Property & Casualty Insurance Company, Atlantic Employers Insurance Company)
  • A.M. Best rating (a measure of financial stability): A++
  • Must file claims within 90 days of the date of service, and they process most claims within 2 days
  • Submit claims through the app, online customer center, email, fax, or mail
  • Policyholders can opt for direct deposit instead of a hard copy check
  • With approval from Healthy Paws and the clinic, on a claim-by-claim basis, Healthy Paws may be able to pay your clinic directly. This means you don’t have to pay a hefty vet bill in advance and wait for reimbursement (check with your vet — not available everywhere).

  Exam Period

  Healthy Paws requires an enrollment exam for all pets:

  • Dogs younger than 6 years old must have visited the vet in the last 12 months or go within 15 days of policy issuance
  • Dogs older than 6 years old must have been to the vet in the last 30 days or go within 15 days of policy issuance

  Customer Service Options & Hours

  Waiting Periods*

  

  • Illnesses: 15 days
  • Accidents: 15 days
  • Cruciate Ligament: 15 days
  • Hip Dysplasia: 12 months

  Both New Hampshire and Maryland remove the 15-day waiting period and the 12-month hip dysplasia waiting period.

  *Waiting periods for California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, and Washington are as follows:

  • Accidents – 0 days
  • Illnesses – 14 days
  • Cruciate Ligament Conditions – 30 days
  • Routine Care – 0 days

  What Does Healthy Paws Cover?

  Please know that none of the providers in our pet insurance comparison charts cover pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.