Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,008

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: Kirstin Friedman

Wonderful customer service and response time

I have nothing but positive things to say about Healthy Paws! I did a lot of research before deciding to go with them over other insurance companies and I am so glad I did! Healthy Paws customer service team is kind, easy to get ahold of and have handled my claims very quickly. They also checked in to see how my kitty was doing after his surgery! Filing claims on the Healthy Paws app is so easy and fast! I highly recommend!
5

out of 5

POSTED: | BY: John DiGregorio

Peace of mind and excellent customer service

My dog Bruno began limping on his back legs and after some X-rays and a visit to an orthopedic vet we found out he completely tore the ACL in his right knee. To make things worse the ACL in the left knee was also unstable and we were informed that it might tear at some point also. We went ahead and had the right knee repaired. The bill came to $2800. Healthy paws made the claims process so easy. I submitted everything online and within a week I had a check for $2247. Healthy paws also followed up and checked on Bruno and his progress after sugergy. After about 3 months Bruno's right leg was totally healed but the doctor informed us that left leg needed to be repaired now. The bill for the second surgery came to $2800 again but I had peace of mind knowing that Healthy Paws would be there for us. Once again I filed the claim online and healthy paws sent a check for $2200. And once again healthy paws customer service sent me an email checking on Bruno after his surgery. Also, any follow up X-rays have been covered as well. I can't say enough positive things about healthy paws, their customer service and ease of filing claims. They make the whole process stress free and follow through with the service and coverage they promise. Having pet insurance with them has been a life saver!
5

out of 5

POSTED: | BY: Ana Ortega

Thoughtfulness and Excellence

Our loving dog Amber required major surgery to correct a problem with her knee.From the time that Amber had her x-rays through her surgery until the claim was processed and reimbursement was received, we were treated with promptness and professionalism by the Healthy Paws staff. During the entire time they have expressed genuine concern for the well being of our pet. Without Healthy Paws Insurance this process would have been extremely stressful; they have been there every step of the way, providing comfort and support. I highly recommend this insurance for our 4 legged kids.
5

out of 5

POSTED: | BY: Dristi Ghimire

Awesome Pet Insurance and fast refund

Our fur baby is 3 years old yellow lab who unfortunately tore his ACL/CCL and had to go through TPLO surgery, I am so glad we took Healthy Paws Pet insurance since he was puppy. Healthy Paw covered 90% of the bill for his surgery and in very timely manner. Having 3 pups in house, we have filed claims a lot in past. It was very easy to file claim online and get refund super fast. We have all my 3 fur babies covered with Healthy Paws Pet Insurance and this was our best decision ever to have all 3 covered with the insurance. I would recommend everyone to have Healthy Paws as insurance for their fur babies.
5

out of 5

POSTED: | BY: John Lewin

This is the best company I have ever dealt with.

I wanted to share the great success that we have had with our HEALTHY PAWS PET INSURANCE for our nearly 3 yr-old Great Dane Tank our 10 month-old Basset Hound, Chubbers. Although Tank is not quite 3 yrs-old, he has had two neuro-surgeries, a broken tail which resulted in an infection and eventual amputation, the removal of his anal glands (due to a likely related infection) and various other more minor problems. Although he is very healthy today, these surgeries have cost in excess of $35,000. Our little Chubbers (who likes to eat things and get obstructed) has had two surgeries and other expenses exceeding $12,000. For all of these problems we have paid a total of 10%. The insurance has been INCREDIBLE. We pay a monthly rate that is based on zip code and breed (we are in a very expensive area and Danes are obviously one of the most expensive breeds) of about $100 month (by comparison our basset hound is about $50 a month) and then we pay a $250 per year deductible. Once that deductible is reached, Healthy Paws pays 90% of any costs. The only things they don't cover are the veterinary examinations, elective surgeries like spay and neutering or stomach tacking (unless medically necessary-for instance if they have bloated before) and hips until the dogs are 18 months of age. Unlike many other pet insurance companies, there are no breed excluded conditions, no lifetime caps on the policy and you pick the veterinarian where your dog is treated. The surgeries on Tank and Chubbers have been incredibly expensive and Healthy Paws has never challenged one penny of any bill. My wife, who is a reconstructive pediatric plastic surgeon, has commented that the insurance companies she has to work with in human medical care are not this easy to deal with, nor this prompt with payment. The claims have always been paid within a week of filing. The only issue is that you need to be aware of is that they will not cover preexisting conditions, so you should get the policy as soon as you bring your puppy home. I am writing this review because this insurance has been such an incredible benefit for our family. I have no affiliation with the company, I do not own any stock, I am just a customer who has been incredibly impressed with this company. This insurance is a great idea for any pet owner and a MUST for any Dane owner.

Monthly Cost

$15 – $90, 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 $100, $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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