Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,778

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: Amanda N

Used to be a great company but, sadly not anymore!

I sat on hold for more then an hour today, I was disconnected three times, transferred four times and finally when I did get a human being I was just told that my claims are all completed. The claims are not completed. Right on the dashboard is shows n/a under 3 of my open claims. One other claim was submitted but isn't showing and I can not view which one didn't go through. These claims have not even received claim numbers yet and they were submitted almost a month ago. My policy premium continues to rise and the customer service continues to decline. I can hardly even understand the people answering the phones anymore because they hardly can speak English. I am incredibly unhappy with this company that I have bragged about for the last 4 years. What a shame. I will be looking into other companies as this is not how I like to do business.
5

out of 5

POSTED: | BY: Katy

Great customer service

My dog Guinness ended up needing major ACL surgery. Filing a claim is so easy with healthy paws and the customer service is amazing. They even emailed me to ask how he was doing after his surgery!
5

out of 5

POSTED: | BY: Diane Jones

Worth paying the insurance!

Recently our 9 1/2 year old Labradoodle/Goldendoodle (Mac) had a medical emergency. He was literally fine one moment and the next he couldn't raise his head and could barely walk. We were concerned that he had had a stroke. We immediately took him to our vet and they ran numerous tests with nothing coming up negative. However, during the three hours we were there, Mac didn't move. They sent us home and recommended that if he didn't improve we should take him to an animal hospital in our area. We did that and after running an ultrasound on him found that he had a cyst on his spleen which has burst and he was bleeding internally. They further stated that if he didn't have surgery that evening he would probably not make it through the next day. We were shocked as Mac has always been a pretty healthy boy and this occurrence came out of the blue. With that discussion came all the questions of resuscitate/not resuscitate, costs, etc. Needless to say we were in shock. The one comfort we had was that we knew that we had Healthy Paws Pet Insurance to at least help with the cost of surgery. I have to honestly say that we had thought about cancelling it over the years as costs went up but we ultimately kept it because is was "insurance" in case Mac got really sick. While we are still in the followup stages with what happened with Mac, the surgery was successful and we are very grateful to the doctors and the surgical facility who ministered to him and also to Healthy Paws Pet Insurance. They handled all the claims quickly and easily and paid on the plan we had without a problem! I can't imagine having not being able to provide the necessary surgery for Mac to survive. My husband and I strongly recommend Healthy Paws Pet Insurance. Your pet will thank you!
5

out of 5

POSTED: | BY: Amber Holly

Healthy Paws saved my cat's life

A long overdue review for Healthy Paws and their excellent service. My young cat had a medical emergency and I was able to go straight to the ER without a worry. I signed off on his life saving procedures knowing he would be covered by Healthy Paws. The claims process is straightforward and efficient. Customer service is kind, responsive and helpful. Wonderful company!
2

out of 5

POSTED: | BY: val ornoy

horrible customer service, and online account terminated immediately upon death

i had multiple claims with HP over the past 3 years. Some small ones were processed within their 10 days claim. others took 2-3 weeks. Emails were not responded to 50% of the time. Phone call holds were over 30 minutes almost every time i called. My dog passed recently, and i had a number of final claims. They TERMINATED my online account immediately upon his death so now i can no longer access the account and check my claims submissions and payments. i think there is one large invice that has not been paid. I have sent 3 emails with no response. I called and was told this is their protocol and essentially too bad for me. I requested a supervisor over a week ago but none has been in touch. I am preparing a formal complaint to the Insurance Board. Stay away from this company!

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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