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
Official Pet Insurance of PetSmart
24/7 virtual vet care: Through Airvet — the nation’s leading veterinary telehealth app
Fast claims: Most claims are processed within 2 days
Coverage options with no payout limits & 90% reimbursement
Healthy Paws has been great throughout our cat's recent emergency situation and surgery. They process claims same day and the reimbursement is direct deposited in my account within 48 hours. The policy is clear and lacks ambiguity so we always know what we will get. Their site is very easy to use and they are extremely responsive.
Submitting a claim was very easy. Just use the app and take a photo of your receipt and treatment plan and that's it. The only issue I had was trying to find my plan coverage since I had signed up a few years back and couldn't remember what my plan covered.
I've had 3 dogs on Healthy Paws for the past 6 years. I'll give examples of only one dog. The experiences with the other 2 dogs is similar.
My dog was a foreign import and came to me at 7 months old. At the time I signed him up for insurance, I had only his breeders vet records, which were in another language. I also has his European health passport. He was healthy and other than his vaccines, had no health issues. After paying premiums, I got his baseline vet check, and he was in excellent health.
A year and a half after enrolling, he was denied coverage for an injury based on it being a "pre-existing condition." He'd literally never been to the vet for anything but vaccines. Yet he somehow when he got hurt while playing in the yard, it was a "pre-existing" injury. I'd say about 75% of his visits were denied for non-existent "pre-existing" conditions. When I called, they'd pick a couple comments out of his office notes that they'd twist to justify as a "pre-existing" condition. When my dogs got older, they grabbed every opportunity to cancel the policy. This last time, they told me I could reapply, but the premiums would be even more astronomical. I went ahead and let the insurance go because they were charging well over $100 per month for each dog, even for the youngest, who'd never even had a claim.
This has been a headache of an experience. I can't believe I've wasted so much money on this business. Honestly, I believe most pet insurance companies are like this. If I'd been stashing that $380.00 per month I'd have enough saved to cover most emergency vet bills.
I know they used to be good, now they'll do all they can to deny your claim. Do yourself a favor: create a monthly pet budget and open a savings account for that money. My premiums went from about $50 per month to over $110 per dog per month. After cancellation, I put away enough to cover an emergency surgery in 3 months.
The customer service tries to sound sympathetic, but in reality, they're cynical and act oblivious. Right before cancellation, I sent in a year's worth of notes to establish the dog's UTI wasn't a pre-existing condition. At that time, I realized they were never going to cover anything. And they didn't disappoint. They denied every visit as a pre-existing condition.
Remember, this was just for one dog out of 3.
The most dependable and reliable pet insurance. My dog has been on Healthy Paw since he was a puppy and now 11 yrs old dealing with chronic conditions and they have been really good with reimbursements and I’ve never had any issues. Just grateful. And my new pup is also covered now with them.
$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.
