Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,164

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: Gillian

Easy and reliable!

Healthy Paws is the 3rd pet insurance I have used and it has been by far the most helpful. They are clear about what they cover/dont and have never tried to fight any claim I have sent in. It's definitely helped us financially this year after a few trips to the emergency vet. Definitely would recommend!
5

out of 5

POSTED: | BY: Tanja

STRESS FREE and Customer Service ROCKS!!!

I can't rave enough about this pet insurance and their customer service!!! I adopted a Cane Corso last year, and purchased this insurance because I simply figured, big dog/big bills..someday...little did I know it would be the following year. Simple points why I'm with this insurance company: a. They say what they mean on their site. Yes, there's a grace period when one must be insured with them, which isn't long at all. And they DO insure your pet regardless of age or prior conditions. Herzog had had issues prior to adoption, and still he was covered, and he's not a puppy. b. For those of us whom aren't rich, it's really comforting to be reimbursed within LESS THAN A WEEK of submitting ones' claim. It really makes going to the vet and getting help less stressful mentally and financially! Herzog tore his CCL and had TPLO surgery, everything from x-rays to pain medication to surgery, was all covered 90% and back in my wallet within days! It really is a stress reliever, especially since we have to go through this again in a few weeks, and extra large breed dogs have extra large bills.... c. When I made my first phone call, I got a real person on the phone. Whom was so pleasant, patient, and informative...as in, I made one phone call, got one person, and didn't get switched/moved to another person, she was able to answer all questions and provide information for what I didn't know. d. Have you ever received a follow up letter/call asking how your pet is doing from the insurance company? Asking only about how your pet is healing and sending good wishes...it's not necessary to do this, but talk about customer service and being simply considerate!!!! Whether we are sitting in the Vet's waiting room, or when people walk by asking what happened, I always talk about "THANK GOD I GOT INSURANCE....We use Healthy Paws...it's more than paid for itself..."
5

out of 5

POSTED: | BY: Julie

Great Insurance - Easy & Quick Claim Processing

I am a new customer of Healthy Paws. While researching many pet insurance companies, I went with Healthy Paws because of their no lifetime cap, no predetermined amount for services (you’re reimbursed based on actual costs), flexibility with using my own vet and pharmacy and their positive reviews. I have been extremely pleased thus far. I signed all 4 dogs up, ranging in age from 8 years to 8 months, and have had to submit several claims so far. The claim process couldn't be any easier; upload the invoice and medical record to their website. It took less than a week to process the claim and less than a week to receive my reimbursement checks. I wish there was a rating higher than 10; can't recommend this company enough.
5

out of 5

POSTED: | BY: Alan

So happy I got insurance.

These guys are SO easy to work with and so prompt and fair. I had some lumps cut out of my dog and submitted the bill Tuesday (upload PDF to website, so easy) and got the approval Wednesday for 90% of the bill!! This is the third time I've submitted and they've all been super easy and fast but this time really blew me away. Great company.
5

out of 5

POSTED: | BY: Ginger

AMAZING COMPANY

I researched the heck out of pet insurance companies. Made the decision to go with Healthy Paws due to their outstanding reviews. And I am so glad I did. Our Honey Girl has been so well taken care of I still can't believe it. She needed TWO root canals and crowns this year. We've only been with HP for about a year prior. If our little girl didn't have this dental work she would have lost her two primary canine teeth. We certainly couldn't afford the $6K bill - but Healthy Paws covered 80% THAT'S AMAZING. We also learned a lot in this process. Please be warned that bully sticks and hard chew tows were to blame. We're now advocates of preventitive care and brush her teeth every day - yes we really are doing this. She's also on a water all natural additive to prevent tooth decay. Our out of pocket on these items was 100% (about $100 a year for special tooth paste and the healthy mouth wash) but considering the coverage with Healthy Paws we received for her surgery and caps, we owed it to our dog, our selves and our insurance company. Healthy Paws sent us concerned and supportive emails checking in on Honey Girl and their follow up is amazing. I wish they were our health care company, I get better service from them than from Blue Cross Blue Shield. I highly recommend Healthy Paws!!!! Great team, superb coverage and wonderful peace of mind. Thank you to everyone at Healthy Paws - you're nice people :-)

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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