Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,081

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.
1

out of 5

POSTED: | BY: A McAllysfer

Unethical Rate Increases

This company raises rates SIGNIFICANTLY every year, especially as your pet ages when you actually start to need the insurance the cost becomes unreasonable. They give you corporate answers as to why they’re increasing rates despite claiming they want the best for pets. Do yourself a favor and do a quick search about HealthyPaws rate hikes and you’ll see why people choose to leave them. Hopefully someone decides to investigate soon.
5

out of 5

POSTED: | BY: Jessica Leuci

Easy to submit! Prompt responses!

We have used Healthy Paws for 7 years and have been extremely satisfied! It is very easy to submit claims, responses and reimbursement turn around time is so fast! Our lab recently had ACL surgery and the day after I submitted the claim the reimbursement was approved and put into our direct deposit soon after. Correspondence is efficient and friendly!
5

out of 5

POSTED: | BY: DJG

For reference

For reference, my dog(Harley) just turned 7 years old and turning 8 this December. Super active rescue terrier mix that I swear battery never runs out! I was lucky enough to rescue her as a puppy when she was just 5/6 months old (2018). Immediately after getting her I purchased Healthy Paws Pet Insurance. With full intention of only using it for "BIG" things that might happened in the future...like a hip or knee surgery because she is SO active. Needless to say, my first claim was Nov2024 and it was scary, because she had a mass removed. THAT was not expected at all. So you can image my surprise when my second claim was Jan2025 to remove another mass. I can't tell you what a relieve it was to have this type of insurance. The app is super easy, the customer service was quick and the communication was faster. All to say, that having not to think about this, HAVE the coverage and help for those bills back to back, but just focus on Harley was amazing!! She 100% healthy again, caught everything early and she is back to her super charged battery mode! Don't hesitate getting pet insurance....but if you are still considering....don't hesitate purchasing Healthy Paws Pet Insurance!!!
5

out of 5

POSTED: | BY: Jess Leuci

Very Pleased with Healthy Paws!

Healthy Paws is the first/ only pet insurance we have ever used, so I can’t compare to others but we have been very happy over the past 7 years. Our dog recently had ACL surgery and the day after I submitted the claim It was approved and we were reimbursed our 80% soon after. The response time is quite fast and correspondence when needed has been pleasant and efficient. Very helpful with coverage for medicines, illnesses and injuries.
4

out of 5

VETERINARIAN: Healdsburg Veterinary Hospital

POSTED: | BY: Annette Leder

One of the better pet insurers

We have a large senior dog who has been pretty healthy all her life but recently had several issues. Healthy Paws has been very good. The premiums are not cheap but particularly in the senior years, the bills add up quickly and Healthy Paws has paid almost everything I have submitted, and most importantly the big bills. I was surprised that the actual vet visit itself (the actual consultation) is not covered but in their defense t is clear in their documentation upfront. Just be sure to sign up when they are puppies otherwise any “preexisting conditions” can cause claims not to be paid later.

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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