Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,237

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
5

out of 5

POSTED: | BY: Cheryl

Healthy Paws eased the stress!

It's been a rollercoaster of stress and emotions this week. Wednesday was Emma's birthday, and the worst day of three days of pain. Started out at her vet, took xrays and stomach was incredibly huge and distended. She sent us to a specialist for ultrasound. That completed, they suspected cancer. Adenocarcinoma or in the duodenal area. We were devastated and Emma looked awful, couldn't stand and in tremendous pain. They gave her pain meds, Cerenia and sent her home with us for surgery the next morning. Next morning, surgeon also thought cancer or mass based on image from the ultrasound. But she was too unstable for surgery and had to get her electrolytes and hydration better. Next morning just prior to surgery, the surgeon calls and says she's alert, playful, and stomach no longer distended. Seemed like a different dog. We opted to hold off on surgery and repeat ultrasound for comparison. That ultrasound was a much better view; the stomach was no longer blocking images of her organs and we could clearly see necrotizing pancreatitis, NOT cancer, but still very serious. Completely changed treatment plan and avoided surgery, literally at the last minute. She still had aggressive treatments and blood transfusion, but came out of it great. Completely scarey experience and it came out of nowhere! They literally told us it could gave been one fatty meal or something she got into. We will make some dietary and medication changes and hopefully prevent any further recurrences. Knowing we had pet insurance at a time like this wad a HUGE relief; one less thing to worry about. Within a day of submitting her claim, Healthy Paws reached out to me to ask how she was doing and to give her a hug. Not your typical insurance company! I'm so glad for Healthy Paws and your caring staff! 💕🐾 Cheryl
2

out of 5

POSTED: | BY: Caitlyn

Abusive Rate Hikes

I have just been notified that my rate will increase by 36% compared to last year (113% increase since we started with Healthy Paws). This is an abusive rate hike as, due to pre-existing conditions, I am unlikely to find similar coverage from a different insurer. After my rate hike last year, Healthy Paws stated they would provide documentation showing an increase in more frequent and more expensive claims. I spent months following up on this promise to which Healthy Paws kept apologizing for the delay in providing documentation, but in the end, no documentation was ever provided. This year there is an even steeper rate increase. They are citing the same reasons as last year, but again not providing any documentation. My experience with filing claims with Healthy Paws has always been a positive one, but the transparency of these rate hikes is extremely disappointing, especially as others in my community aren’t seeing the same rate hikes with their insurance companies. If I’m able to find another insurance company that will cover pre-existing conditions, I will certainly be looking to switch.
2

out of 5

POSTED: | BY: Caitlyn

Abusive Rate Hikes

I have just been notified that my rate will increase by 36% compared to last year (113% increase since we started with Healthy Paws). This is an abusive rate hike as, due to pre-existing conditions, I am unlikely to find similar coverage from a different insurer. After my rate hike last year, Healthy Paws stated they would provide documentation showing an increase in more frequent and more expensive claims. I spent months following up on this promise to which Healthy Paws kept apologizing for the delay in providing documentation, but in the end, no documentation was ever provided. This year there is an even steeper rate increase. They are citing the same reasons as last year, but again not providing any documentation. My experience with filing claims with Healthy Paws has always been a positive one, but the transparency of these rate hikes is extremely disappointing, especially as others in my community aren’t seeing the same rate hikes with their insurance companies. If I’m able to find another insurance company that will cover pre-existing conditions, I will certainly be looking to switch.
5

out of 5

POSTED: | BY: Christen Cuomo

Great insurance! They really care!

We have had healthy paws for our puppy, now almost 2 and I will never use another company. They are transparent and helpful! They process claims fast and really care! Our pup just had knee surgery and as it wasn’t a pre existing condition they covered 90%! They take all the worry out of being a pet owner when it comes to unexpected medical costs. We love them and will never use another!
5

out of 5

POSTED: | BY: Christen

Best insurance company - easy to work with & and they care!

We have had healthy paws for our puppy, now almost 2 and I will never use another company. They are transparent and helpful! They process claims fast and really care! Our pup just had knee surgery and as it wasn’t a pre existing condition they covered 90%! They take all the worry out of being a pet owner when it comes to unexpected medical costs. We love them!

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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