Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 9,976

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: Faye

Healthy Paws is AMAZING!

We recently got our adorable little puppy and very soon found out that the costs really started adding up with each vet visit. We are so so happy that we found Healthy Paws! While each of our vet visits have been adding up to between $200 - 300, we found that in a matter of one vet visit we had already managed to pay the annual deductible and gotten a very prompt email letting us know that we had a check in the mail for the remaining 90% that was covered. The insurance has more than paid for itself and it is amazing to have the peace of mind that we aren't breaking the bank every time we have to take our puppy in for another one of his many episodes (eating something he isn't supposed to or other issues that develop with age). Also, we have heard of so many people who have paid tens of thousands because they have a dog with cancer or one that has been in a car accident. It makes me feel much better that I won't have to make the choice between my life's savings and my dog's health/life... all for less than I pay monthly for my cell phone bill! So so happy again that we found Healthy Paws! It is nice to know that there is a prompt friendly service like this one that rewards people for being contentious pet owners. Thanks guys! :)
5

out of 5

POSTED: | BY: Joelle H

Professional and Caring

A few years ago, my husband and I went to an "adopt-a-thon" at our local shelter and came home with Ernie - a loud and fiesty black and white spotted cat. New to pet ownership, we didn't even think about pet insurance. A few months after we brought him home, Ernie's curiosity sent him to the emergency room with a broken front leg. We knew we would do whatever we needed to to help Ernie get better but we were amazed at how much it cost us! This sent us on the hunt for pet insurance. There are many options out there but we were drawn to Healthy Paws because not only did they offer affordable and thorough coverage but we loved the company's commitment to working with shelters and helping animals to find homes. I have also been very impressed with Healthy Paws' customer service. Based on my own experiences and those of my family and friends who are also insured with them, it is clear that the focus of Heathy Paws is really on the health and happiness of animals and their families. It is a comfort to know we will be taken care of should our crazy kitty decide to use up another of those nine lives!
5

out of 5

POSTED: | BY: Doris

Healthy Paws keeps its promises!!!

Quite unexpectedly I ended up rescuing my little Ziggy in September who was destined for certain euthanization because he tested positive for heart worms. A couple of weeks later, I got an email from PetFoodDirect.com advertising the relatively new HealthyPaws insurance. Many years ago, an experience with pet insurance was horrendous, so I was wary, but on a whim I decided to obtain a quote, which I found to be reasonable. After talking with a representative, who was upfront and honest about coverage and pre-existing conditions for Ziggy and my other dog, Foxie, I decided to give it a try. And I am SO glad I did! Ziggy developed a lump above his elbow only about 2 months later, and it was diagnosed as mast cell cancer. Jen from HealthyPaws has been absolutely wonderful and answered any and all of my questions. I was assured that his care and treatment - whatever that would be - would be covered. Today, 1/03/11, less than 3 weeks following the initial discovery, I have received reimbursement for all expenses at the 80% rate I opted for when I signed up. I can't say enough good about this company! Best of all? The prognosis is great for Ziggy! I am so very glad I can consider only Ziggy's well-being and not finances - thanks to HealthyPaws!
1

out of 5

POSTED: | BY: Kevin Kelley

Think Twice if You're Considering Healthy Paws!

According to the Healthy Paws web site, the company covers up to 90% of the cost of treatments and provides coverage for hereditary and congenital conditions. REALLY??? This was NOT my experience! I recently adopted two special needs puppies. Kobi, a mixed breed, was born blind (congenital condition) and I have taken him to the opthamologist at Angell Memorial Hospital in Boston TWICE in his young life of 7 months old now. Both times his tests were normal, including intra-ocular pressures, and there have not been ANY signs of glaucoma, cataracts, conjunctivitis, uveitis, dry eye or any other eye condition that requires treatment. He is blind...that's it. He is on NO medications for his eyes or anything else. Because he is congenitally blind from malnutrition of his mother which caused impairment of his eye development and resulting blindness, I was told by a Healthy Paws representative that they would not cover ANY eye issues. Really? Healthy Paws advertises that it covers congenital conditions! And while I understand that it does not cover pre-existing conditions, Kobi has NONE, outside of blindness. So I could understand if they wouldn't cover an operation to restore his sight (which the opthamologist already told me does not exist), but I cannot understand why the company has determined that it will not cover ANY eye problems. He has no pre-existing or current eye issues as I mentioned. After the "waiting period," the company will cover hip dysplasia in breeds known to
5

out of 5

POSTED: | BY: Larry Miller

Unbeliveable customer service....

As luck would have it my dog had to get eye surgery the first day he became eligible. I called Healthy Paws immediately and was welcomed by a very helpful person. I told her about the surgery and asked if I would be covered. She took my information down and returned my call in twenty minutes. From the information I gave her it looked as if I was going to be covered. By the way I received this customer support on a Saturday afternoon. Now the bad news... After they reviewed my dogs records, we realized it was a preexisting condition. I was not aware that he had this condition in his eye. Although, I was disappointed, the information they had was correct. However, Healthy Paws did not just shuffle me away. They called me to find out if there was any more information that could help my case. They even called my vet to speak with them, looking for something that can help my case. At the end I did not get paid on my claim. But, Health Paws tried everything they can do. They went the extra mile trying to help me and treated me with respect and honesty. In the world we live in today that was very comforting. It also took some of the sting out of not having my claim paid. I still receive emails and phone calls asking how my dog is doing. This is truly a great company that cares about you and your pet.

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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