Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,404

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 Official Pet Insurance of PetSmart 24/7 virtual vet care: Through Airvet — the nation’s leading veterinary telehealth app Fast claims: Most claims are processed within 2 days Coverage options with no payout limits & 90% reimbursement
5

out of 5

POSTED: | BY: Eileen

Awesome insurance company

I have two dogs insured with Healthy Paws. Both have needed surgery, which was quite costly. Most recent one was for a herniated disc. The other one had TPLO surgery and meniscus repair. They are working dogs. Without the insurance, I would be buried in debt. Filing is easy and the folks are awesome to work with! I highly recommend this pet insurance!
1

out of 5

POSTED: | BY: Alex Willen

Claim taking weeks to review as they ask for information I’ve already provided

Healthy paws advertises in big print on their front page that most claims are settled in two days. I’m over three weeks into mine. They sent me an email saying that the invoice I sent isn’t valid, because it needs to be itemized and contain a bunch of specific details. It was itemized and contained everything they listed. So I called and talked to an agent who looked at the bill, agreed it was itemized and said she’d tell the underwriter to review it as is. The status of my claim updated to in progress, but a few days later I logged in to check and it was back to requesting the same information, except this time they didn’t email me or give any notice. I emailed and explained in detail that my invoice fit all their requirements. They responded with a generic email asking for an itemized invoice. These people are unethical, morons or both. Don’t deal with them.
5

out of 5

POSTED: | BY: Jon

Happy with Healthy Paws

Our 8-year old Labrador Retriever was recently hospitalized for liver failure. He is doing well now, but his medical care was quite expensive and would have been a significant financial burden if we had not had pet insurance through Healthy Paws. I have been so pleased with the support we have received from Healthy Paws. I have been recommending it to all my friends. The claims process has been incredibly quick and easy. It is so nice to be able to make decisions based on what is best for our dog and not be overly stressed by the financial burden associated with his specialty care.
3

out of 5

POSTED: | BY: Suzanne

Unbelievable rate increases

I see I'm not the only one who had to drop insurance with Healthy Pets after many years because of rate increases. In the nine years I was with them, I only had one claim. Then the rate doubled, then tripled. When I asked why, they said it was because I live in an expensive state. I stayed with them because I thought my dog's age meant I had no better options. After the rate increased to $500 a month, I finally dropped them.
5

out of 5

VETERINARIAN: Dana Point Animal Hospital

POSTED: | BY: Jon

Very happy with Healthy Paws

Our 8-year old Labrador Retriever was recently hospitalized for liver failure. He is doing well now, but his medical care was quite expensive and would have been a significant financial burden if we had not had pet insurance through Healthy Paws. I have been so pleased with the support we have received from Healthy Paws. I have been recommending it to all my friends. The claims process has been incredibly quick and easy. It is so nice to be able to make decisions based on what is best for our dog and not be overly stressed by the financial burden associated with his specialty care.

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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