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: Philip Epstein

Best. Insurance. Ever.

If you're considering pet insurance, just get Healthy Paws and save yourself hours of research. This is the best insurance I've had in my entire life (of any kind). I had Healthy Paws on my middle-aged dog for ~3 years before submitting a serious claim (more than $100) - A cancer tumor removal surgery with a bill of $1600. Healthy Paws reimbursed me in a FEW DAYS after receiving the claim. No questions asked, got a check for ~$1300 AND they even emailed me to ask how my dog was and hoped he was doing well. That's AMAZING! My human health insurance doesn't care about me anywhere near that much. Since then I've filed multiple smaller claims this year ($50-150) and they've paid every one promptly, no hassle. I'm a customer for life. If you have a pet that goes outside, health insurance is a great investment. For indoor-only pets it's a harder call but I still think it can have big benefits (like not weighing money vs. your animal's life when things go bad).
5

out of 5

POSTED: | BY: bether

Best decision I could have made

I've been a member of Healthy Paws since my puppy was 10 weeks old. She's 6 years old now. I debated when we got her whether or not we would want to get insurance for her, but at less than $40/month it was an easy decision. Plus we could cancel anytime. Now, 6 years later, it is literally one of the best decisions I've ever made. My puppy (who will always be a puppy even when she's 6 years old) has managed to... * Eat chocolate bars 3 times (Three ER Visits) * Eaten something else that made her horribly sick (1 ER Visit) * Had 6 lump biopsies * Had 2 teeth removed because they broke * Had multiple stool sample tests for giardia & other digestive issues * Had blood tests prior to both oral surgeries and many many more Beyond her general check-ups, every single doctor’s visit has resulted in a payment back to us by Healthy Paws. At this point in her 6 year live we have easily spent $10,000 on various medical visits, and she's actually a very healthy & low maintenance dog. Almost more than anything, having Healthy Paws means I don't even need to think about the cost of keeping my dog healthy. It doesn't even cross my mind when issues come up. "Oh, she cracked a tooth...let's take it out before it gets abscessed." There's simply no question. Without Healthy Paws, that one tooth would have cost me over $1000. Also, the reality is that I would go into serious debt to make sure my dog was healthy. I’d do almost anything in the world for her, even if it meant I would be put into a challenging financial position. Thankfully, that’s not an issue. Thankfully, I got healthy paws! Btw, another perk is that they are SO easy to work with. You submit your medical bill, you get a check in the mail. Easy as it could be. Too bad human insurance companies aren’t that easy.
5

out of 5

POSTED: | BY: Kelly Fox

Life Savers

After doing our research and speaking to everyone in our circle of friends we decided to use Healthy Paws hoping to never need their help. The process was easy and all was well but the true test is when you need them. Our dog was hit by a car while my wife and I were out of the country and she was staying with my folks. It was a dumb and senseless accident that left our dog with a dislocated and fractured spine. While talking to the doctor at the animal hospital they suggested that if we have insurance...now would be the time to discuss our options since the dog would need an MRI, surgery and likely long term rehabilitation. I called Healthy Paws in a panic to see what our options were just to get the ball rolling and they were...are...amazing. They calmed me down, walked me through my policy and get the hospital to contact them directly to cut the red tape so my wife and I could catch a plane home. The level of care and support that they showed and continue to show...just floors me. They treated me like family and have been holding my hand every step of the way. Through everything that has happened they reach out to check on the dog and on my family. I can't recommend them more. They are something far and above what I expected and are true heroes to my family.
5

out of 5

POSTED: | BY: Beth M.

Best Decision I Could Have Made!

I've been a member of Healthy Paws since my puppy was 10 weeks old. She's 6 years old now. I debated when I got her whether or not I would want to get insurance for her, but at less than $40/month it was an easy decision. Plus we could cancel anytime. Now, 6 years later, it is literally one of the best decisions I've ever made. My puppy (who will always be a puppy even when she's 6 years old) has managed to... * Eat chocolate 3 times (3 ER Visits) * Has eaten something else that made her horribly sick (1 ER Visit) * Has had 6 lump biopsies * Has had 2 teeth removed because they broke * Has had multiple stool sample tests for giardia & other digestive issues * Has had blood tests prior to both oral surgeries and many many more Beyond her general check-ups, every single doctor’s visit has resulted in a payment back to us by Healthy Paws. At this point in her 6 year life we have easily spent $10,000 on various medical visits, and she's actually a very healthy & low maintenance dog. Almost more than anything, having Healthy Paws means I don't need to think about the cost of keeping my dog healthy. It doesn't even cross my mind when issues come up. "Oh, she cracked a tooth...let's take it out before it gets abscessed." There's simply no question. Without Healthy Paws, that one tooth would have cost me over $1000. Also, the reality is that I would go into serious debt to make sure my dog was healthy. I’d do almost anything in the world for her, even if it meant I would be put into a challenging financial position. Thankfully, that’s not an issue. Thankfully, I got healthy paws! Btw, another perk is that they are SO easy to work with. You submit your medical bill, you get a check in the mail. Easy as it could be. Too bad human insurance companies aren’t that easy.
5

out of 5

POSTED: | BY: Jessica Williams

Couldn't Have Saved her Without You!

My little boxer mix Khaleesi, loves to chase lizards. Not much brings her comparable joy, and living in Arizona she has limitless resources. When her back legs started to become weak, the vet explained she had bi-lateral cruciate ligament tears and needed serious surgery on both of her legs to regain function. The estimate they provided almost took my breath away - then I remembered I had Healthy Paws Pet Insurance and my breath returned, with a tear knowing I would be reimbursed for 80% and be able to cover the cost of the surgery. But it meant more than that - it meant my rescue pup - only 18 months old, can enjoy the rest of her life running around with her brothers, chasing the lizards (dragons) that gave her her name. I will never be able to thank Healthy Paws enough, but you can be sure I will keep it as long as I have my dogs. Did I mention my other boxer ate a sock and a shoestring and needed surgery too? You get the point by now. GET THIS INSURANCE!!!

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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