Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,217

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. Top-Rated Pet Insurance Plan No maximum annual or lifetime payouts One easy-to-understand pet insurance policy Most claims are processed within 2 days Use any licensed veterinarian in the U.S. or Canada
1

out of 5

POSTED: | BY: David Brown

They’ll take your money for years and not pay

When you buy insurance for your pet, pay premiums for 4 years on 3 cats you’ve had for 9 years since kittens, have one of them come down with a medical emergency and feel confident about having insurance for just such emergencies, and then have Healthy Paws not pay a penny. Then you just got robbed. We’d have been better off just squirreling money away than to throw it away for insurance that doesn’t pay specifically what it’s for. These guys are thieves.

POSTED: | BY: The Healthy Paws Team

We’re sorry for any frustration during the processing of your claims. As per the policy we require full medical records for all enrolled pets in order to process claims, this includes a copy of the required enrollment examination. Once full records are received (typically we ask for them when you file your first few claims) we then keep them on file for future claims processing. After thoroughly reviewing your account, while there were some records on file for your pet, we did not have their complete medical history (records dated from the time he joined your family through at least enrollment). This is why we continued to request those medical records. Our team worked with a senior claim processor, to utilize a visit from 2020 as the enrollment exam to process your claims, even though we did not receive any additional records from that time. Your claims have all been completed and approved for payment.

1

out of 5

POSTED: | BY: Andy Lee

rate keep going up

I've been a client for many years and the rate just keep increasing. It's not really worth it at this point. The worst part is that they do not cover tooth extraction from cavities, which will cost you about $2000+. Stay away and look for a company that do provide dental coverage

POSTED: | BY: The Healthy Paws Team

We realize no one likes any form of premium increase. We understand your concern and would be happy to review your account and discuss your premium increase with you in greater detail. If you have not done so already, please call us at (855) 898-8991 and we will gladly answer any questions you have regarding the factors that go into your premium increases. Our complete accident and illness plan covers injury to the teeth if it is caused by an accident, including extractions and reconstruction of damaged teeth. Like some other pet insurance companies, our plan does not cover the regular dental care required to maintain dental hygiene for the pet. By making routine dental cleaning part of the pet parent's financial responsibility, it allows us to offer a complete accident and illness plan

5

out of 5

POSTED: | BY: robin boyajian

Affordable insurance with great service

I had 2 cats 1for 16 yrs and 1 for 20. They both had a pet insurance plan until they passed, but the plan I have my 1 year old on now far surpasses the one I previously had. The healthy paws plan is amazing. I had to take my little fur baby to an emergency vet a few nights ago because she ingested something she shouldn’t have. I received the bill and when we got home and settled her, I started a claim. 90 percent back within less than 48 hours via direct deposit. I was shocked how quick and efficient this was. I used to wait at least 2 weeks to be reimbursed by the old plan I had. The 90 percent reimbursement is super great and I even received an email to see how our girl was feeling. I totally didn’t expect that at all. They even responded to my email. This plan is the best!!!! The people are courteous, caring and available. Excellent company to insure your pets with!!!
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5

out of 5

POSTED: | BY: GGeorge

Planning for the Unexpected

I decided to invest in Healthy Paws pet insurance for my dog after I adopted him from a shelter 8 years ago. He was 4 at the time and now he’s 12. I only filed 4 claims during the first seven years but now that he’s getting older, he needs more care. Recently, he accidentally got into some trail mix and consumed raisins and chocolate – two of the most deadly items for dogs. I rushed him to the emergency vet, where he stayed in the ICU for two days. Thanks to Healthy Paws, I didn’t even have to think about the cost. Their staff is caring and wonderful, and the claims are super easy to submit and are processed very quickly. They even sent me a follow-up email after his hospital stay to see how he was doing. As we move into my dog’s “senior” years, I feel I have a true partner in keeping my fur baby’s remaining years happy and healthy. Plus it’s true “insurance” against those unexpected incidents. Healthy Paws has been worth every penny.
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1

out of 5

POSTED: | BY: Consumer

One claim and rate skyrocketed

I submitted one claim for approximately 1800 when my dog broke her foot. We had been a client for five years with zero other claims. My monthly rate went from approximately $41 to $60 in one month. Their excuse was they had her breed wrong, she’s a mix and they had her as a Labradoodle and when they changed her to a mixed breed, they said that was the cause of rate skyrocketing. When I questioned it, they went radio silent on me. I’m filing a claim with the state of California insurance commission. I would suggest you avoid this company.
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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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