Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,775

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: Annette

Terrible experience with a claim after 6 years of wasted money

After over six years of paying for my pet insurance I had the need to file a claim of almost $1000 due to injury and they only reimbursed about $160, I thought it was a mistake and called customer service and they said there was indeed an error and reimbursed $14 dollars more...seriously? I thought it was a joke. They obviously don't care once the pet gets older and that way they can get rid of the pet once they start having issues. I wish I didn't wasted all that money for so many years. They use excuses not to pay 90% reimbursement minus deductible as promised. Consider other insurance such as Embrace who are more honest.
5

out of 5

POSTED: | BY: Andrea Makowski

My dog got into a bottle of Advil while…

My dog got into a bottle of Advil while I was out. He was urgently admitted to the animal hospital for two days and then had follow up meds and lab work for a week. It was so nice to be able to tell them to do whatever he needed knowing I had coverage. The claim was uploaded, approved to pay, and the check sent within a week. From customer service to claims processing it was a great experience. I even received a follow up email this week checking on his recovery and hoping he was doing well. Absolutely NO hassle filing the claim or receiving payment. Amazing company!
5

out of 5

POSTED: | BY: Andrea Makowski

Emergency hospitalization for Advil consumption.

My dog was able to get the childproof top off an Advil bottle while I was out. He was emergently hospitalized for two days with follow up medications and lab work for a week. It was incredible to say "do whatever he needs" knowing that I had coverage with Healthy Paws. He is now recovered and I am so grateful. I can not say enough about Healthy Paws. I uploaded the invoice to them on Wednesday, the claim was approved to pay within a few days (crazy week so can't remember exactly but I believe it was 2 days) and I received the check early the following week. No questions asked in fact I received an email from them checking on how he was doing and wishes that he was recovering with no issues. Again, I cannot say enough about them from customer service through the claims department!!
5

out of 5

POSTED: | BY: Chloe Dickson

5 stars for Healthy Paws - excellent service & coverage

We have been insured by Healthy Paws for 2 years. We’ve got 2 cats and a dog and our experience has always been nothing short of 10 stars. Healthy paws make filing claims really easy, and the majority of the time claims are settled within a day or so. Their customer service team are easy to get a hold of (I’ve never waited more than a few minutes to speak with someone) and they genuinely care about the pets that they cover. We had a tragedy fall on us recently when our eldest cat Nelson was hit by a car. He ended up needing surgery for a shattered pelvis and a fractured foot, and suffered a couple of complications in the weeks following. Of all the worries that we had, one thing that we did not have to worry about was his coverage. Healthy Paws covered the majority of the bills and made the whole process as easy as possible. They even sent me a follow up email a few weeks later asking how he was doing. Thankfully, he’s making great steps in his recovery and should be back to full strength in the next few months. I could not recommend Healthy Paws enough. Professional, caring and efficient. Thank you Healthy Paws! From Chloe & Nelson
5

out of 5

POSTED: | BY: Chloe Dickson

Excellent coverage and service

We have been insured by Healthy Paws for 2 years. We’ve got 2 cats and a dog and our experience has always been nothing short of 10 stars. Healthy paws make filing claims really easy, and the majority of the time claims are settled within a day or so. Their customer service team are easy to get a hold of (I’ve never waited more than a few minutes to speak with someone) and they genuinely care about the pets that they cover. We had a tragedy fall on us recently when our eldest cat Nelson was hit by a car. He ended up needing surgery for a shattered pelvis and a fractured foot, and suffered a couple of complications in the weeks following. Of all the worries that we had, one thing that we did not have to worry about was his coverage. Healthy Paws covered the majority of the bills and made the whole process as easy as possible. They even sent me a follow up email a few weeks later asking how he was doing. Thankfully, he’s making great steps in his recovery and should be back to full strength in the next few months. I could not recommend Healthy Paws enough. Professional, caring and efficient. Thank you Healthy Paws! From Chloe & Nelson

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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