Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,159

Healthy Paws Pet Insurance offers one simple plan that covers accidents and illnesses and includes unlimited annual and lifetime payouts. They support hundreds of pet rescues and animal shelters through their Every Quote Gives Hope™ medical grant program. Learn more about Healthy Paws’ plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Tom N.

Excellent Customer Service!

When researching pet insurances, I had seen several companies who looked pretty good...but none of them compared to Healthy Paws. When my dog had TTA (ACL Surgery for dogs), I knew that the $3000 surgery wouldn't be a factor in my decision to have it done. The claim processing, and most of all the customer service is absolutely outstanding! When you speak to a representative, you not only get amazing service, but you have peace of mind and reassurance. I am very happy with Healthy Paws, it's a "no-brainer" to go with them for your pet.
5

out of 5

POSTED: | BY: Tina

$1950 Surgery. Received check in 10 days!

HEALTHYPAWS is AWESOME! I've always thought insurance companies of any kind are a scam because of the numerous stories I've heard. We just moved to the States from Taiwan in 2015 with our two beloved pomeranians. I knew the medical cost for pets are crazily high, especially compared to where I'm from, so I purchased insurance for my dogs as soon as we settled in (got the premium that covers 90%). 1.5 year went by with just one visit to the vet because of diarrhea, then at the end of March 2017, the unthinkable happened! Our 10m baby was in his baby walker and hit one of my dogs and broke her leg. The surgery costed $1950! I received the check of 90% of the medical bill minus $100 deductable within 10 days of the accident! WOW WOW WOW! Thank you Healthypaws!
5

out of 5

POSTED: | BY: Josh

Super quick claim processing

I bought my import puppy and after it arrived he was diagnosed with Parvo. He was treated at the hospital for 5 days and the bill was more than $7,000, luckily, I had purchased HealthyPaws insurance for the puppy a few weeks after it was born. Because it was imported and it was a small puppy I only had the import documents to submit, still the insurance company said it was not a problem. In a few days HealthyPaws processed my claim and sent a check to cover 90% of my costs to treat my puppy. The agents were kind and understanding as I had limited paperwork from the European breeder I would highly recommend this insurance company.
5

out of 5

POSTED: | BY: Keiko

Linear blockage stomach & Intestine

Our little 14 month old puppy started vomiting uncontrollably. After x-rays, emergency ultrasound, fluids, medications etc., etc., and a total of 1 week in ICU including a surgery…. She now is on the mend and doing great! She has about a 5 inch ‘battle scar’ to show for her decision to swallow pieces of a nylabone chew toy. This episode started on a Saturday morning, our vet off so off to the 24 hour emergency hospital. It was so nice knowing she had the best care and we did not have to worry about the pet bills breaking the bank, because of our Healthy Paws Pet Insurance policy. I had been with a competitor for pet insurance for years with previous dogs but after a friend referred to Healthy Paws, So glad I switched. We never expect these things to happen, however they do. My 90% reimbursement was received within about 8 days of faxing the invoice and reports. I received email updates on the status of my claim throughout the process, seamless and painless!They even followed inquiring as to how she was doing and if we had any questions. You can select deductible amount and your % of reimbursement to adjust your monthly premiums, with no lifetime or per incident dollar caps on claims.
5

out of 5

POSTED: | BY: Paul Hedman

Compassion for Pets and Owners

I switched to HealthyPaws after being unhappy and frustrated with my previous pet insurance provider. There is one HUGE difference between HealthyPaws and the majority of their competitors. Most providers carry a tantalizingly low deductible but it only applies 'per condition'. This is a very important distinction. If you dog swallows a sock and has an x-ray, sedation, operation, and meds you will certainly meet your deductible. But if you dog swallows a Lego man six weeks later you are back to square one. HealthyPaws has an annual deductible. Once you meet it you are covered at 90% for any covered care until the end of the calendar year. In my opinion, it is a much more fair system and is designed to protect pet owners from huge bills (rather than fill their pockets incrementally). On top of all of that, their premiums are much more reasonable than their competitors.That's it for the brass tacks. I want to share my personal experience with HealthyPaws as well. My beloved dog Fonz suffered a badly herniated disc and was in absolute agony. We had to take him to the emergency room, his primary care vet, the emergency room again, and finally the operating room for open spine surgery. Throughout the process, HealthyPaws was efficient and caring. They covered everything without blinking an eye and even followed up to see how he was doing before I could reach out to them. Having HealthyPaws insurance not only helped save our dog, they also helped us have peace of mind during a scary and sad time.

Monthly Cost

$15 – $80, depending on breed, zip code, age of pet and choice of deductible and co-pay.

Coverage

One plan covers accidents, illnesses, cancer, emergency care, genetic conditions, alternative care and more. You can choose a co-pay of 10%, 20%, 30% or 40%. The pay-out amount is based on your actual vet bill.

Payout Limits

No per incident, annual or lifetime pay-out limit.

Deductible

You can choose an annual deductible of $250, $500 or $750* *Choice depends on age of the pet

Age Limits

Pets must be at least 8 weeks old and under 14 years old at time of enrollment. Once enrolled, pets can stay insured regardless of age.

Waiting Period

Coverage begins 15 days after your policy starts. There is a 12-month waiting period for hip dysplasia claims.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered, however hip dysplasia is only covered in pets who enroll before they are 6 years old.
Healthy Paws Pet Insurance was rated the best pet insurance company by customers in 2015, 2016 and 2017 at petinsurancereview.com, Consumersadvocate.org, PetInsuranceQuotes.com and other leading review sites. Healthy Paws has one simple plan that covers accidents and illnesses with no per incident, annual or lifetime payout limits. Their goal is to offer the best coverage possible while still keeping plans affordable. With each pet insurance quote submitted, Healthy Paws makes a donation to one of hundreds of pet rescues and animal shelters through its Every Quote Gives Hope™ medical grant program.

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