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History of Healthy Paws

The story goes like this: Rob Jackson and Steve Siadek, both corporate executives in their respective fields, met at a local no-kill shelter and became friends. They had a common passion for helping pet owners afford the veterinary care and to help pets in need. They put their entrepreneurial minds together. Thus in 2008, Rob and Steve co-founded Healthy Paws. Today, Healthy Paws is partnered with Aon Corporation, the world’s largest insurance broker, and plans are underwritten by the Chubb Group, an A-plus-rated insurer, with over 25 billion surpluses. In addition, Healthy Paws is now one of the top companies for customer service and affordable monthly rates. In fact, Healthy Paw boasts the highest customer satisfaction ratings among its competitors.

Here are some interesting background facts on Healthy Paws:

  • The founders of Healthy paws developed the Every Quote Give Hope grant program that donates funding to animals in need. All you have to do is get a free quote from their website.
  • Healthy Paws is the first pet insurance company to do away with paper forms, and it offers an app to submit and track claims.
  • The company full name is Healthy Paws Pet Insurance and Foundation. So when buying a policy from Healthy Paws, you are also donating to their foundation, which awards grants to non-profit rescue organizations and shelters.

Policy Coverage

Plans Offered One simple plan that covers accidents and illnesses
Underwriter Chubb Group
Headquarters Bellevue, Washington
Where Plans Offered US
Deductible Type Annual
Deductible Options $100 to $500
For pets 8 years and older there is a $750 deductible
Reimbursement Option 70%, 80%, and 90%
For pets 8 years and older there is a 60% reimbursement
Policy Limit Options Unlimited
Lifetime Payout Limits Unlimited
Wellness Coverage Not offered
Upper Age Limits Yes, no new enrollees for pets age 14 years and older
Vet Exam Fees Not offered
Covers Hereditary/Congenital Yes
Hip Dysplasia Yes but limited (no coverage for new pets enrolled age 6 and over)
Prescription Medications Yes
Cancer Treatments Yes
Emergency Visits Yes
Hospitalization Yes
Surgery Yes
Prescription food No
Specialists Yes
Outpatient Care Yes
Alternative Yes
Waiting Periods 15 days accidents
15 days illnesses
12 months for hip dysplasia
Customer Service Monday to Friday 6 am to 6 pm Pacific Standard Time
Saturday & Sunday 8 am to 5 pm Pacific Standard Time
Filing Claims Options Take a photo of the vet bill and submit via mobile app or online customer center.
You can also email or fax the vet bill. No need for claim forms.
Enrollment Requirements Pets younger than 6 years are required to have had a veterinary exam within the last 12 months, or within the first 15 days of enrollment.
Pets older than 6 years are required to have had a veterinary exam within the last 30 days, or within the first 15 days of enrollment.
Years in business 2009 – 11 years
30-day free look period Yes (except Pennsylvania)
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Sample Policy

Here are Healthy Paws strengths:

  • #1 customer-rated pet insurance across several review sites, including highest rates of satisfaction on Trust Pilot (9.7/10), Consumers advocate (9.8/10), and Yelp (4 stars)
  • Offers one simple plan with no maximum limits; no per-incident, annual or lifetime caps on claim payouts
  • Excellent customer service without long hold times
  • Offers flexible deductible and reimbursement options
  • Reimbursement based on the actual vet bill, as opposed to benefit schedules
  • Has an A+ rated underwriter
  • Offers a simple and easy to use mobile app for claims processing
  • Offers affordable monthly premiums
  • 95% of claims paid within 3-5 days
  • With approval from Healthy Paws and the policyholder’s veterinary clinic and on a claims by claims basis, Healthy Paws may pay the veterinary clinic directly

Although great to have, Healthy Paws does not offer the following:

  • No vet exam coverage
  • No wellness or preventative care coverage
  • No prescription food coverage
  • No behavioral therapy coverage
  • No dental disease coverage
  • No flexible coverage for pets aged 8 and older. Limited to $750 deductible/60% coverage
  • No 24/7 customer service (however available 7 days a week during regular business hours)
  • No hip dysplasia coverage for pets enrolled at age 6 years and older
  • No bilateral condition coverage for other injured knee if first knee was pre-existing prior to enrollment.
  • Longer waiting period for hips dysplasia coverage (Healthy Paws wait period is 12 months)
  • Longer waiting period for accidents (Healthy Paws is 15 days)

A Quick Overview on Healthy Paws:
Although Healthy Paws has some exclusions as noted above, they do boast the highest ratings for customer satisfaction and reviews. In addition, Healthy Paws fits the formula of what the pet parent is looking for today, which is a simple plan with no payout caps, a mobile app allowing paperless claims, and affordable monthly premiums. Furthermore, 95% of claims are settled and paid out within 3-5 days.

It is important to note while Healthy Paws provides coverage for hips dysplasia, this coverage does not include newly enrolled pets aged 6 and above. Therefore, the best time to enroll with Healthy Paws is when your pet is aged 6 and under.

So if you are looking for a pet insurance company with an unlimited payout plan, affordable monthly premiums, and a pet insurance company with consistent high customer satisfaction reviews, click on Get My Quote from banner link above, and check if Healthy Paws plans and prices would be a great fit for you and your pet.

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