Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,022

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: Daniel Santosusso

Life Saver

Healthy paws has provided me the financial means to pursue treatment for my four legged boy that I would not have without them. I purchased Healthy Paws insurance years ago specifically for times like now where I never wanted money to be why I couldn't care for my dog. I can't recommend enough. Very simple claims process as well.
5

out of 5

POSTED: | BY: Leonard Marotta

Quality and Integrity

Provides very good health and accidental insurance for pets, with quality customer service and fast claims payments. We've had HealthyPaws for eight years and never had an issue or problem. In addition, HealthyPaws communicates regularly and provides useful information for the care and management of your pets. When you do need to contact HealthyPaws by phone you get a live agent on the phone without going through an obstacle course or long wait time.
5

out of 5

POSTED: | BY: Rebecca Fagan

Healthy Paws Pet Insurance is great!

Healthy Paws Pet Insurance has been fantastic to deal with. We recently had to put in several claims for our dog, Benjamin, and the claim filing process is super easy. The reimbursement checks arrived really fast and customer service followed up with me to see how Ben was doing which I thought was a very nice touch. Thank you Healthy Paws!
5

out of 5

POSTED: | BY: Rebecca Fagan

Healthy Paws is great!

Healthy Paws Pet Insurance has been fantastic to deal with. We recently had to put in several claims for our dog, Benjamin, and the claim filing process is super easy. The reimbursement checks arrived really fast and customer service followed up with me to see how Ben was doing which I thought was a very nice touch. Thank you Healthy Paws!
1

out of 5

POSTED: | BY: Molly Veber

Significant decline in service over time

I have had healthy paws since 2017. It used to be quick and easy to submit claims via the app and get reimbursed when I first got insurance for my 2 cats. In the past few years, I have had progressive difficulty in getting claims processed. Specific issues: 1) You can only have 3 pets per email account. I have 4 pets, so couldn't get my fourth pet added to the same account. 2) Issues getting claims processed: When additional information was requested, I emailed the documents, per their request. When I continued to get emails requesting the same information, I had to call so the operator could manually add the information to the claim. This happened for multiple claims. I shouldn't have to call for every claim to ensure the information I sent via the method they requested gets added to the claim. 3) Claims getting denied: my most recent claim was denied. I have had 4 claims for the exact same issue (rehabilitation consult + treatment) approved for this pet. They are now making me appeal this claim because "consult" is not covered - even though rehabilitation services are covered and the exact same invoice item has been covered 4 times. Overall, I am disappointed in this company and no longer recommend them. They will do everything they can to deny claims and you have to call repeatedly to get claims approved.

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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