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: Pax

The best decision we've made!

Getting pet insurance through Healthy Paws has been one of the best decisions we have ever made! Our dog has had two major ligament injuries and subsequent surgeries. Healthy Paws covered a huge amount of the cost, as well as the cost for physical therapy, meds, and even supplements. They review claims and send out checks within a few days! Not to mention the fact that the company has great customer service with very friendly and helpful people! I recommend this company to all my friends and family with pets. I truly have nothing but good things to say about our experience!
5

out of 5

POSTED: | BY: J Erickson

Fast & Easy Claims, Peace of Mind

It's hard to find anyone who actually likes paying for insurance. Having that rainy-day backup, especially when it comes to beloved pets, is so nice, though. I no longer lose sleep wondering what I would do if my dog(s) got really sick or badly injured. I do my best to keep them safe but my dogs are professional trouble-finders and we've made more than a few trips to the emergency vet through the years. So far I've spent more on the insurance than I have received back on claims but this isn't about breaking even. It's about insurance for those scary things that happen while the last thing you want to be thinking about is how you'll pay for it all. I've submitted some small online claims to Healthy Paws in the past year. I was very impressed by how quickly and how accurately they were processed/reimbursed. Healthy Paws does not reimburse for some things like vaccinations, preventive meds, or vet exam fees. They offer different levels of deductibles/reimbursement rates, which makes it easy to compare prices and select a plan. I also got a bit of a discount on the rates when I adopted a second dog and added her to the policy. Monthly premiums are automatically billed to my credit card, making the whole thing seamless and easy. And yes, the premiums do increase by a small amount every year. When I compared different pet insurance plans, this Healthy Paws seemed to cover more major treatment expenses than the rest, which is why I ultimately chose them. All in all I'm really happy with this company and I truly appreciate knowing we'll be in great hands (or paws) when we need it the most.
5

out of 5

POSTED: | BY: Shirley

Best decision I ever made to go with Healthy Paws

When I purchased my puppy Riley in September I questioned whether I should purchase pet insurance. This is one of the best decisions I have made. Riley fractured his front leg 2 weeks ago and had to have a plate and seven screws put in for the bones to heal. Needless to say a very pricey surgery. I filed my claim with Healthy Paws by using my phone app and in less than 2 weeks they sent me my reimbursement checks. On top of that they have checked in with me a couple of times to see how Riley is progressing. Our health insurance companies could learn a lesson from this company.
5

out of 5

POSTED: | BY: Amy Dawson

Such great customer service!

I couldn't be happier with the service I have received from Healthy Paws. They have a great app that keeps the entire process of submitting claims super-convenient. My "senior" dog tore both his knees within a very short time of one another, causing two major surgeries. I was so impressed with how quickly Healthy Paws processed the claims. They even checked in on how my dog was healing, and I believe they genuinely care about the welfare of animals. I was so stressed by my dog's injuries; it was a relief knowing that I didn't have to be stressed out by the expenses of surgery, thanks to our insurance with Healthy Paws.
5

out of 5

POSTED: | BY: Amber

Amazing Customer Service

I was recommended to Healthy Paws by a fellow dog owner and I happened to receive a discount through my employer so we chose them initially. As a first time dog owner of a notoriously-prone to health problems breed, I wanted to be careful. From the beginning, setting up my account, submitting all of my dog's records, and submitting claims have been a breeze. Queso at first showed signs of a skin allergy which we had to submit claims for and everything was turned around fast and easy. The next scare was pnemonia - which required 2 days of hospitalization and a lot of care. Not only did they process the expensive claim fast, but they followed up with a personal message inquiring about Queso's health. Thank you Health Paws!

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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