Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,778

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
5

out of 5

POSTED: | BY: Mrs. & Mrs. Kleinschmidt

TPLO surgery submission was successful

It takes time to gather all the paper work from birth or adoption to present situation requiring claims being filed. Having patience, it takes time to gather birth or adoption papers to present day. They process these quickly as well as sending communication. I spoke to 3 different representatives on the phone and each was was amazing. We highly recommend Healthy Paws. An update: We have completely filed all our surgical claims and everyone is wonderful helping us. We're working on her rehab claims right now, and sending claims as we pay her bill. The turn around is quick and efficient.
5

out of 5

POSTED: | BY: customer

Excellent Insurance

Terms and conditions are clear. No haggle. Claims are processed and reimbursed quickly,
2

out of 5

POSTED: | BY: Jane O’Donnell

Not a great experience so far

My dog was treated at an emergency hospital and Healthy Paws did not cover the assessments made by the specialists to determine treatment. When I called, the person said that there was a mistake that was made and she would file an appeal. I checked back in the next day and the person gave me a different story, that the itemized bill from the emergency department looked like the exam was routine, and was not being covered. I asked about the appeal and she said she'd check. This seems unjust, to not cover what is part of an emergency situation, as I was initially told would be covered when I decided to use Healthy Paws as an insurer. I also don't like how I receive different stories and the first person I spoke with seemed irritated and talked over me, to the point where I had to tell her to wait and let me finish several times.
5

out of 5

POSTED: | BY: Judith Griffin

Positive points about the plan

They’re always available by phone. Page just had a big surgery on leg and it was comforting to know my plan covered most of it. Sometimes we may grumble about monthly payments BUT when our pets (my kid to me) get sick/surgery it takes some pressure off the situation. And their reimbursements are processed very quickly …which is very important.
5

out of 5

POSTED: | BY: Tni Newhoff

Great Coverage and Easy Claims Process When My Dog Needed Care

I recently had to take my dog Murphy to the vet for a pretty rough visit. He was sick, needed an x-ray, several tests, and treatment for a double ear infection. The bill ended up being much higher than expected, but I was so relieved that our pet insurance came through. I submitted the claim and was pleasantly surprised that they covered about 60% of the total cost. The process was straightforward, the claim was processed quickly, and it made a stressful situation so much easier. I’m really happy with the coverage and grateful for the support when we needed it most.

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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