Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,767

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: Tom Frankel

We had all claims for our 2 pups…

We had all claims for our 2 pups denied. It's a tribunal every time your puppy catches a cold and you want to get it covered - nothing like human medical insurance at all. I'd look for another option. This company has a lot of negative reviews, especially in recent years, and I wish that I had done my homework before signing up with them....Responding to their reply, the appointments were not all during the waiting period though their reason for rejecting was always "waiting period" in writing but if you called they gave a different answer. You can't win with this group- try somewhere else.
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5

out of 5

POSTED: | BY: Dolores Swirin-Yao

My pup's surgery and claim process

My dog Tami had to have surgery for a worrisome condition. Luckily, it was successful, though it would have been difficult to afford it without the insurance from Healthy Paws. Like all my previous experience with Healthy Paws, the claim was settled promptly and met all of my expectations for coverage. It was a happy surprise when the folks at Healthy Paws emailed me to check on her and wish her well. In terms of the processing, I wish I could have Healthy Paws for my own insurance--so much better than any human insurance I have ever had. I submitted the claim and within a couple of days it was processed and I had my payments deposited directly into my account. There are never any lost claims or delays.
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1

out of 5

POSTED: | BY: Jeff Jarrell

Uses any excuse not to pay.

We have our Shelty insured for over a year. Aside from not paying for exams we were denied significant expenses tracking down a shoulder problem. They denied it as pre-existing, but that is not so. Perhaps, they mean pre-existing to making the claim. I think these folks are terrible, go anywhere else.
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5

out of 5

VETERINARIAN: Animal Kind Veterinary Hospital

POSTED: | BY: Dolores Swirin-Yao

My pup's surgery and claim submission

My dog Tami had to have surgery for a worrisome condition. Luckily, it was successful, though it would have been difficult to afford it without the insurance from Healthy Paws. Like all my previous experience with Healthy Paws, the claim was settled promptly and met all of my expectations for coverage. It was a happy surprise when the folks at Healthy Paws emailed me to check on her and wish her well. In terms of the processing, I wish I could have Healthy Paws for my own insurance--so much better than any human insurance I have ever had. I submitted the claim and within a couple of days it was processed and I had my payments deposited directly into my account. There are never any lost claims or delays.
5

out of 5

VETERINARIAN: Mckinney Animal Hospital

POSTED: | BY: Jesse Rodgers

Healthy Paws is the Premier Pet Insurance Company

I can’t say enough good things about Healthy Paws! As the proud parent of a lovable Saint Bernard and a sweet King Charles Spaniel, having reliable pet insurance is a must—and Healthy Paws has exceeded all my expectations. From day one, the enrollment process was incredibly easy, and everything was clearly explained. Their coverage is straightforward and generous, which has given me so much peace of mind. My Saint Bernard needed surgery followed by her first seizures (common with larger breeds), and Healthy Paws was right there—fast, compassionate, and supportive. The claims process was simple and quick; I had my reimbursement within a few days, and it covered exactly what they promised. No hidden surprises from their coverage explanation and deductible amounts. They even sent a personal note checking in on how she was doing—such a kind touch that shows how much they truly care. My little King Charles Spaniel also had a bout with an unexpected illness, and once again, Healthy Paws stepped up. They made it possible for us to focus on getting her the best care instead of stressing about finances. I genuinely feel like Healthy Paws is a partner in my pets' health, not just an insurance company. If you love your pets like family (as we all do), Healthy Paws is absolutely worth it. Best decision we’ve made for our furry family members!
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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 detail
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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