Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,018

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: Anne Palmer

Best Pet Insurance Out There

I've had Healthy Paws insurance for my three Cocker Spaniels for over four years. They are all seniors. One of my dogs had ACL surgery on both legs when he was younger and Healthy Paws covered the expensive surgery thankfully. The same little guy has now been diagnosed with cancer four years later and they are paying for the lion's share of the expenses as we go. The claims process couldn't be easier. The checks come in a very timely manner. And when I have talked with customer service people on the phone they are people who have been selected for their ability to convey empathy because they are also pet people and they get it. This is a great company.
2

out of 5

POSTED: | BY: Spencer

Be prepared for high rate increases for no apparent reason

We've had Healthy Paws coverage for the last 10 months for our 1 year old lab. During that time our dog has been healthy and we have received no benefits from the coverage. Healthy Paws just sent us an email for our policy renewal. They are raising the premium 29%. That's outrageous, and let me repeat that we never received any money from them. It's not like they were losing money on us. Seems they offer a lower price for new business and then jack it up on year 2.
5

out of 5

POSTED: | BY: Chelsea

A Light in Our Darkest Moment

After finding out that our gsp needed emergency abdominal surgery, our hearts were breaking for him and on top of that, the inevitable stress and panic of how we were going to pay the bill sank in. Within the same hour that I contacted HealthyPaws about coordinating with my vet to cover their portion of the bill up front instead of me paying out of pocket first, they called my vet and set everything up. I didn't have to do a thing. The next day, we picked up our sweet boy. I had never been so excited to see a vet bill like I was that morning. We only owed our 10%- everything else was paid already. I cannot thank HealthyPaws enough for the coordination and rapid response that they had in helping us take care of this. Knowing that we did not have to stress about the bill or how we were going to pay it made us able to just focus on Murphy and making sure he was going to be okay. Everyone acted so quickly- they were all on the same page and it was just fantastic.
5

out of 5

POSTED: | BY: Brenda

Best Decision Ever

We’ve had such a pleasant experience with healthy paws. My pup recently had major surgery due to a torn ligament and Healthy Paws made it so easy for her to the care she needed without us having to worry about money. As any pet parent, I would do absolutely anything to make sure my dogs are healthy and happy, and I can do just that with Healthy Paws. I cannot stress enough how important it is to protect your babies, I highly recommend this company.
5

out of 5

POSTED: | BY: Lori

If it was not for Healthy Paws my sweet boy would not be alive.

If it was not for Healthy Paws my sweet boy would not be alive. There are a lot of people out there that buy insurance for the peace of mind of knowing they have something to fall back on. This is not us. We got our dog at 8 weeks old. At 9 weeks he had severe medical complications. Since we have had him (he is almost 2 now) we have been at the vet no less than once a month. Typically we are there every other week as we flop back and forth from our family vet, our dermatologist, and our internal medicine doctor. The only bill that was not covered by them was our first ER bill as we were still in the waiting period. We are a family that pays a much higher monthly premium than most. However, that was a decision we made on our own. We chose to pay more per month for a lower deductible and a higher return rate. In fact, one of the main reasons we chose to use Healthy paws was their customization options. I was able to customize the plan exactly how I wanted. We are not a wealthy family so that was incredibly important to me. We shopped around a lot before we even got out dog and trust me, there are a lot of options out there. But not a single one of them comes close the coverage, cost, and customer service of Healthy Paws. Getting Healthy Paws was the best thing we could have ever done and we really do owe our dog’s life to them. If you are debating if this is the right plan for you, it is. I promise you that there is no better company out there.

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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