Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,217

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. Top-Rated Pet Insurance Plan No maximum annual or lifetime payouts One easy-to-understand pet insurance policy Most claims are processed within 2 days Use any licensed veterinarian in the U.S. or Canada
5

out of 5

POSTED: | BY: Patricia

Best Insurance in the Business!

Healthy Paws is outstanding in every way. I enrolled my two dogs with them and could not be more pleased with the coverage and customer service. My one and a half year old mix, Charlie, recently had an umbilical hernia. While almost every other pet insurance plan out there would not cover it as it is considered a congenital or hereditary defect, my plan with Healthy Paws covered it. Not only was it covered, but I received payment within a week. The experience of submitting the claim was extremely easy and efficient, and the customer service afforded me was outstanding. From alerts through my mobile Healthy Paws app to emails when the claim was received and processed, I was kept abreast of the status ever step of the way. Even more importantly, the genuine concern expressed by various representatives, inquiring on how Charlie's procedure went and expressing well wishes for his recovery, touched me deeply. It is very reassuring to know that Charlie's is in such good hands with Healthy Paws. I absolutely recommend Healthy Paws to anyone who treasures their pets and wants the best coverage out there.
5

out of 5

POSTED: | BY: Amy Donohue

IMPRESSIVE

We put our first claim in for our dog and were shocked - happily - that Healthy Paws came to resolution so, so fast. I think it took only about a week. Our other pet insurance company took forever. And they paid on the claim just as advertised. This is a very promising start and a very good job by Healthy Paws. We are impressed!
5

out of 5

POSTED: | BY: Chelsea

THE BEST. DON'T KNOW WHAT I WOULD DO WITHOUT IT!

I don't usually write online reviews, but I was compelled to after the excellent customer service I received with Healthy Paws. Simply put, they have some of the best customer service I have ever encountered. I had been hesitant to purchase pet insurance as so many of my friends and colleagues told me "it wasn't worth it." I was still tossing around the idea of getting it when I came across other healthy paws reviews. They were so overwhelmingly positive, that I thought it would be worth it - and it certainly was. My puppy decided to eat the spiral binding of a notebook TWO days after the end of my waiting period. I was expecting to have to fight to get his procedure covered and was prepared to jump through hoops, but that was not the case. The people at Healthy Paws were helpful and encouraging and I felt like they were on my side (which says a lot about an insurance company!). My dog was initially scheduled to have an elective surgery, but started to decompensate on (of course) a Friday night. My primary vet had told me to take him into the emergency hospital, but to be prepared for a much higher bill. As a graduate student I was terrified and called Healthy Paws WAY after hours to see if the emergency surgery would be covered. A representative got back to me immediately and not only assured me that the procedure would be covered but talked me through what was a very difficult and stressful experience. Since his surgery, my puppy has had to go back to the emergency department several times, and Healthy Paws has continually been helpful and supportive. Apart from the customer service, the best thing about Healthy Paws is its convenience. As a medical student, I am really busy and the thought of photocopying and mailing in invoices is certainly not appealing. I love that you can literally snap a picture of the invoice with your iphone and file a claim while you are sitting in the waiting room. The turn around time is also incredibly impressive. All of my claims were processed within 48h. One claim was actually processed while I was still at the vet. Healthy Paws was faster at processing the claim than the vet was at getting my dog out to me... I know that a lot of people are skeptical about pet insurance, but Healthy Paws is worth every penny. I would recommend Healthy Paws to any pet owner. Because of Healthy Paws I did not have to choose between paying my rent/tuition and my puppy's health. I am eternally grateful for
5

out of 5

POSTED: | BY: Joann

Fantastic customer service

Well it all started with my English Cocker Spaniel - Penne deciding to eat one of the cat's toys. She ended up with a bowel obstruction and required emergency surgery late on a Monday night into Tuesday. She sailed through it all beautifully. I picked her up on Thursday and dropped by my vet's office on Friday to provide them with the information for filing my claim with Healthy Paws. They faxed the information and the next day I received an email from Healthy Paws telling me that my claim had been received and was being processed. The following day I received another e-mail telling me that my claim had been processed and approved. I received my check the following Tuesday 14 days after they received the necessary documentation. They even followed up with a very personal e-mail inquiring how Penne was doing after her "belly surgery". I can't say enough good things about this company and have been telling all of my pet owner friends about them. I had a different insurance company with my last dog and was not at all satisfied with them. I did a lot of research before deciding on Healthy Paws and am so happy with my decision.
5

out of 5

POSTED: | BY: Kathleen

Quick, easy, friendly service

A few weeks after I signed up for Healthy Paws, my little kitten ate a rubber band and needed serious surgery and a few overnights in the hospital. It was essential to know that Healthy Paws had my back and allowed me the peace of mind to move forward with whatever my kitten needed (I signed up for the 80% reimbursement plan with a $250 deductible). I submitted my claim on a Wednesday, it was processed on a Thursday, and I received my reimbursement check the following week. There was no quibbling over any items on the list, no unnecessary phone calls, none of that nonsense -- the whole process was easy, handled quickly, and with friendly emails from Healthy Paws staff. It was stressful enough having this sick little kitten, so I'm very grateful that the insurance experience didn't have to be too.

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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