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
Highly recommend Healthy Paws-from an actual live person
I sought out pet insurance when we found out our new kitten liked to eat things he wasn't supposed to, after a $3000 vet bill. A year later he started vomiting and I had no hesitation to bring him in to get checked out knowing we had Healthy Paws pet insurance. He had eaten a few chunks of a prank rubber snake and needed to have them removed. Healthy paws covered 80% of the ER vet bill (not including the initial exam). Within a week, I was reimbursed. I can 100% recommend this insurance company. It saved us from yet another $3000 vet bill.
I have had Healthy Paws pet insurance for more than 5 yrs. Recently my 11 yo Australian Shepherd had TPLO surgery and is doing well. I'm very happy with Healthy Paws. They pay claims quickly- usually in 2 days of claim submittal. You just upload documents to their website and you receive an explanation of benefits promptly. They are easy to work with and am happy I decided to get pet insurance.
5
out of 5
POSTED:
| BY: Kimberly Rodriguez
Highly recommend Healthy Paws
I sought out pet insurance when we found out our new kitten liked to eat things he wasn't supposed to, after a $3000 vet bill. A year later he started vomiting and I had no hesitation to bring him in to get checked out knowing we had Healthy Paws pet insurance. He had eaten a few chunks of a prank rubber snake and needed to have them removed. Healthy paws covered 80% of the ER vet bill (not including the initial exam). Within a week, I was reimbursed. I can 100% recommend this insurance company. It saved us from yet another $3000 vet bill.
5
out of 5
VETERINARIAN:
POSTED:
| BY: Kelly Mahaffy
Healthy Paws is Excellent!
I have had Healthy Paws since my dog was a puppy and they have NEVER disappointed me! After two CCL tears with surgical repairs and many ER visits, Healthy Paws always comes through for us! They are fair, fast, and have great customer service! I will have Healthy Paws for every dog from here on out, they are lifesavers!
1
out of 5
POSTED:
| BY: Michele
Unless you sign up at birth don’t bother
As a physician I don’t trust health insurance policies to begin with. The pet insurance industry is not nearly as regulated as human insurance so it can be rife with dishonesty and no one cares. This is one of those policies. If you do not get insurance the minute your pet is born, do not bother getting insurance. First they offer you no verbiage of the policy when you sign up. Simply put in your dogs age, breed, and decide how much you would want them to pay if an injury happens. Then start paying your premium. They also don’t send you a written copy of the supposed policy you signed up for. When there is a problem that is common amongst your breed I guarantee it won’t be covered. ACL repair one side only and if your dog already tore one side they will never cover that on any other limb. That goes for anything else that can occur in more than one area. Think tooth abscess, knee dislocation, eye problems, etc… Despite, the fact that they say everything is covered it is not. The policy is in the legal jargon you would expect, completely indecipherable by the regular person. Once again you’ve never been provided a copy of this policy but when they don’t want to pay for something, they will send you a copy of page 4, 6, etc… that you never saw. Furthermore, it won’t even say what they say it does, its so nonspecific and arbitrary that it could be applied to anything. Maybe just maybe this insurance will cover if your dog is hit by a car. However, if a vet has ever jotted down that your dog ran in the street in the past… they will not cover it.
I’m pretty sure the people who are raving about this insurance either work for the company or are married to someone that does.
Let me add their very clear verbiage that they think is so crystal clear. Judge for yourself.
You will find this information in our policy, page 2:
2) PRE-EXISTING CONDITIONS
We do not cover pre-existing conditions.
Pre-existing conditions mean:
a. illness or the recurrence of any illness or condition which first occurred or displayed
any signs and/or symptoms consistent with the stated illness or condition prior to the pet policy effective date;
b. an injury or recurrence of an injury that occurred prior to the pet policy effective date;
or
c. any condition or complication resulting from an illness or injury that occurred prior to
the pet policy effective date.
4) OTHER EXCLUSIONS
h. Abnormalities where clinical symptoms were apparent prior to the pet policy effective
date. This includes conditions that are detectable by a routine physical exam by your
veterinarian;
V. DEFINITIONS
3) Clinical Symptoms. Any manifested anomaly in, or deviation from the regular healthy
state or function of a pet, including behavioral traits. Symptoms include any anomaly
that is readily detectible by a thorough and complete clinical examination.
5) Condition. Any manifestations of clinical symptoms consistent with a diagnosis or
diagnoses, regardless of the number of incidents or areas of the body affected.
$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.
