Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,020

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: Melissa

Reliable

We received our Alaskan malamute puppy, River, on 09/29/12. We fell in love with him immediately and considered him part of the family from day one. We were a bit skeptical about signing him up for pet health insurance; however, we started to look into it and decided to enroll him in Healthy Paws. Several months after he was enrolled, River ended up getting sick. He was lethargic and wasn’t able to keep his food down, so we took him to the vet. We had to schedule two separate visits, which included exams, x-rays, an action plan, and monitoring his progress. We followed the direction of the vet and River made a full recovery. I worked with the vet’s office to process our claim with Healthy Paws Ins. and was so pleased with how fast it was processed. Healthy Paws definitely exceeded my expectations. I have already referred Healthy Paws Pet Ins. to two separate friends (both who have added new puppies into their family). I will continue to pass on my positive experience with Healthy Paws and recommend them to other proud pet owners as a reliable pet insurance company.
5

out of 5

POSTED: | BY: Michelle

Healthy Paws is my dogs best friend!

I enrolled my Labrador Enzo with Healthy Paws and have been so impressed with the policy. The Customer Service is exceptional. I submit my claims via fax and have received confirmation within 1 hour and typically an Explanation of Benefits and Payment Summary within a few hours. Because of Healthy Paws I have an added sense of security knowing that I can provide Enzo with the highest level of Veterinary care. I am a dog professional and I refer Healthy Paws to all my clients.
5

out of 5

POSTED: | BY: Norma Backlund

I can relax now knowing I have this great insuranc

I decided a few years ago that I was going to get insurance on any new puppy so that I would never have to worry about making life and death decisions for them based on the expense. How heartbreaking it would be to have to put a member of the familly down because the money is just not available at a time when veterinary technology can work miracles. But along with technology, comes expense. I have 2 dogs now, the oldest has not been sick so I didn't know for sure how good this insurance company was until my new dalmatian puppy suddenly became ill. She was rushed to the veterinary and was given emergency surgery for gastrointestinal blockage. She had to stay for two nights with IV. I faxed the claim to Healthy Paws and within two days had the check in my hand. I was amazed. I'm still amazed. No hassle, no stalling, and they show genuine concern that everything is alright. I have been telling everyone I know, that this is a great company. You never know until you need them, and now I know that when I need them, they are right there with help, both financially and emotionally. Great company, the best!
5

out of 5

POSTED: | BY: Lia

Great product that saved us

Our dog stopped eating and drinking, and his hospital stay was almost $700. Initially, Healthy Paws thought there was a gap in his veterinary coverage since he was found as a stray, but a quick phone call cleared that up and I had a check in hand within 3 days. It's worth every penny and I wish my own health insurance was this easy!
5

out of 5

POSTED: | BY: Trish

Pet insurance that surpasses people insurance

We have two mixed breed dogs ages 1 and 4.5. Both were adopted as puppies from a no kill puppy shelter when they were 9 weeks old. Our oldest did not have health coverage at the time of his traumatic canine fracture when he was two. After a $3000 root canal bill I spent significant time researching insurance options. While I knew Healthy Paws would not cover the pre-existing dental issue, we have had good luck getting various bills covered for expensive labs to work up GI issues and possible malabsorption as well as an ER visit for food bloat after Tanner helped himself to 4 pounds of kibble. The youngest has had trouble with a knee problem since age 6 months. While this has not required surgery to date, he has gone to an orthopedic specialist, undergone x-rays and a month of physical therapy to include cold laser treatments. All of this was covered exactly how Healthy Paws describes their coverage and with no hassles! Tonic also had an ER visit for possible battery ingestion and the $200 X-ray was covered. In general, office visits and labs or medication for routine preventative care are not covered benefits so you do need to figure this into the cost analysis when choosing a plan. It seems that this is a fairly standard practice for most pet insurance plans. It does not take many ER visits or expensive labs to at least break even on return of investment for monthly memberships. We really appreciate how supportive and responsive Healthy Paws has been! The turn aroun

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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