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: Carolina Aguero

Absolutely the BEST out there in Pet Insurance!

I have had Healthy Paws insurance for a couple of years now for my rescued golden mix. I was a little hesitant to get insurance for her, as she was only about 8 months old at that time and I thought she was so young, that I would never use it. But am so glad I decided to get it! During the past 3 years she's had several incidents, including someone stepping on her tail and we thought it was broken (fortunately it was not), a small dog bite, a foxtail in her ear and another foxtail in her neck so deep she needed x-rays, ct scan, ultrasound and surgery (this last one was over $6,000!). Every single claim has been easy, paid in time and exactly what they promised. The staff is very friendly, helpful and I always get an email asking how she is doing. This company is amazing and it is such a huge peace of mind that I can provide the absolute best health care for my dog regardless of cost because I know Healthy Paws is there to help me.
5

out of 5

POSTED: | BY: Kat

I can focus on my pup-not worry about sudden costs

I've been very skeptical about pet insurance, having heard about some experiences with other companies that refused to cover pets after being a member for years or refusing to cover major surgeries/illnesses etc. After enough surprise vet expenses over the years, I decided to give this a try. I only signed up for Healthy Paws a few months ago, but I have had a positive experience so far. --First of all, it was easy to sign up. Painless. --Healthy Paws is completely up front with what they do and do not cover. --They process claims quickly, which is more than I can say for any human health insurance that I've had. --Submitting claims is EASY through their app (take a picture of vet's invoice - DONE!). --I have boxers, which are unfortunately prone to cancer. The vet recently diagnosed a mast cell tumor, and we had to schedule a sudden expensive surgery. Based on experiences with human health insurance, I was expecting to have to fight them about justifying the expense or spend a lot of time haggling on the phone or submitting paperwork. BUT Healthy Paws gave me absolutely no trouble about covering the procedure exactly as they had promised. It meant that I could focus on actually taking care of my pup rather than stressing about the cost.
5

out of 5

POSTED: | BY: Travis Husman

Great for that troublesome puppy

I have a German Shepherd who is now about a year and four months old. Over the course of her lifespan, she has required three surgeries in short order. After the first one out of pocket, I learned my lesson and picked up insurance through Healthy Paws. The next two surgeries were covered and processing the claims was really easy, just had to use their mobile app to send them the invoice and the claim was processed in a couple days and the check came two days later. They covered both her stomach surgery and her elbow displaysia. The coverage has been fantastic. The price is reasonable and it's way better to have it and not need it than the alternative. Would definitely recommend.
5

out of 5

POSTED: | BY: Barbara Mingione

HEALTHY PAWS IS THE BEST!

I have had pet insurance from several different companies in the past. Healthy Paws is, by far, the best one I have been fortunate enough to find. I have my three pets insured with Healthy Paws. Their policies fit individual needs, and have such better reimbursement than other companies. It is easy to submit a claim online. The customer is kept informed of claim status and the claims are paid promptly. Any interaction I have had by telephone with representatives at Healthy Paws has been very positive. The staff is caring, knowledgeable, and understanding. I intend to be a Health Paws customer for a long time...
1

out of 5

POSTED: | BY: Gary Wilson

Setup Fee

I just ordered insurance for my Border Collie puppy through Healthy Paws. After I purchased the insurance, I received an email confirmation that also stated that they charged my credit card a $25.00 setup fee. Even though this fee is small, the fee was not disclosed on their website and it seems dishonest to me for them to assess a charge without telling you about it up front. I purchased insurance through this company because of their high ratings but this is not a good way to start out a business relationship by adding hidden costs to the policy. Consequently, I am giving them a 2 rating for dishonesty. I may raise their rating later if I have a claim and they perform well.

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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