How to File a Healthy Paws
Pet Insurance Claim

📋 How to File a Healthy Paws Claim

1. Use the Healthy Paws mobile app, it's the fastest method. Take a photo of your itemized invoice directly in the app
2. Claims can also be submitted at healthypawspetinsurance.com
3. No formal claim time limit specified in most policies
4. Most claims are processed within 2 business days, among the fastest in the industry
5. Reimbursement by check or direct deposit

⚠️ Common Reasons Healthy Paws Denies Claims

• Pre-existing conditions, Healthy Paws defines these broadly, including any symptom noted in vet records before enrollment
• Hip dysplasia has a 12-month waiting period, and pets enrolled at age 6 or older get NO coverage for hip dysplasia ever
• Wellness and routine care, Healthy Paws does not offer a wellness add-on at all
• Older pets face reduced coverage options: pets enrolled at age 5 or older have lower reimbursement rate options and higher minimum deductibles
• No coverage for exam fees

💡 Tips for a Successful Healthy Paws Claim

• Healthy Paws has no annual or lifetime limits on any plan, a significant advantage for catastrophic conditions like cancer
• Backed by Chubb, one of the world's largest insurers, strong financial stability
• Enroll before age 5 to get the best deductible and reimbursement options. Coverage restrictions increase with age at enrollment
• Critical: Hip dysplasia, enroll before age 6 or this condition will never be covered, and there is a 12-month waiting period even if enrolled young
• The mobile app is excellent, most customers report 2-day turnaround on claims, sometimes within hours