Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,160

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: Mia T

Love Healthy Paws

I love Healthy Paws and recommend them to all the fur parents in my life. They have been there for me when my dog has need emergency care and cancer treatment. They have a very easy to use app that allows you to submit claims effortlessly. The turn around time on reimbursement is always very quick. My girl would probably not still be with us if it weren’t for Healthy Paws. Thank you so much for all you do!
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5

out of 5

POSTED: | BY: Mia Turner

Love Healthy Paws

I love Healthy Paws and recommend them to all the fur parents in my life. They have been there for me when my dog has need emergency care and cancer treatment. They have a very easy to use app that allows you to submit claims effortlessly. The turn around time on reimbursement is always very quick. My girl would probably not still be with us if it weren’t for Healthy Paws. Thank you so much for all you do!
5

out of 5

POSTED: | BY: Lisa

Excellent service

Our sweet boy had full CCL and meniscus surgery one week ago. Within 5 days, the claim for surgery was processed, approved and paid. Healthy Paws even sent an email to check on my dog. Thank you for making this process stress free!
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5

out of 5

VETERINARIAN: GSMS-NJ

POSTED: | BY: Lisa Franke

Excellent response time and service

Our sweet boy had full CCL and meniscus surgery one week ago. Within 5 days, the claim for surgery was processed, approved and paid. Healthy Paws even sent an email to check on my dog. Thank you for making this process stress free!
2

out of 5

POSTED: | BY: Sharlene Hinshaw

Always a catch

I’ve had this insurance for one of my dogs for years. They don’t pay for exams yet their premiums are no different than other insurance companies. They refused to pay a claim stating it was wellness that I submitted as there was a possibility of parasites again. I filed an appeal and they still refused. I’m just not sure pet insurance is worth it anymore. They always find a way to deny claims. I would not recommend this company.

POSTED: | BY: Healthy Paws Customer Service

We’re sorry for any confusion with your claim. Your claim was denied under the wellness exclusion. Since the invoice only noted a parasite exam without any medication, without clarification it appeared to be wellness related. A member of our Customer Care Team replied to your email on 7/10 noting that if you would like to have the claim reviewed, we would need medical records from that visit. We never received a response, nor were records submitted. As such an appeal case was not started. We are happy to take a second look at this claim for you if you simply provide either the date of service examination notes for the test or a letter of clarification from your veterinarian. The examination fee is a plan exclusion and as such is not eligible for coverage. We strive to be completely transparent about this exclusion and our entire policy. Information about this is available prior to and after enrollment via the Frequently Asked Questions on our website and in our online sample policy.

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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 detail
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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