Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,232

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
3

out of 5

POSTED: | BY: Juju

Ridiculous rate hikes

Got this insurance for my puppy when she was very young. We’ve probably had three or four claims that were actually paid because she’s not been sick or had too many emergencies. We have not had a claim at all that has been paid in the last few years. When we first signed up we were told that the rates could be expected to increase 5 to 10% per year which I thought was fair. However, in the past two years even with no claims a rate has doubled to $100 a month. Got this insurance for my puppy when she was very young. We’ve probably had three or four claims that were actually paid because she’s not been sick or had too many emergencies. We have not had a claim at all that has been paid in the last few years. When we first signed up we were told that the rates could be expected to increase 5 to 10% per year which I thought was fair. However, in the past two years even with no claims a rate has doubled to $100 a month. She’s only seven years old so what do they expect me to pay when she is older 200, 300, no, I think that I will just start her a savings account right now with the money that I would be paying them. I was hoping to keep it for her entire life as goldens tend to have a lot of congenital issues and I’ve had three of them that I’ve had cancer. But if the rates they are charging, I will be paying more out-of-pocket for Insurance than if I paid out-of-pocket for medical care
5

out of 5

POSTED: | BY: John

We are so glad that we chose Healthy Paws as our pet insurance.

We were glad that our policy covered our dog’s cataract surgery. Our pet is doing great. He is 10 years old but acts like 2. Submitting a claim is so very easy and convenient. We are so very happy we chose Healthy Paws. We never had pet insurance before for any of our other pets. This was a good choice for us.
5

out of 5

POSTED: | BY: Susan

I wish I signed up with Healthy Paws first!

I wrote a review yesterday but I never mentioned what insurance company I started with. After rescuing a puppy I immediately got insurance and picked Nationwide. I never looked into any other companies I just thought it was a company that everyone knows and they would be the best . I remembered the saying " Nationwide is on your side" so how could I go wrong. They were a known name so I felt comfortable with this company. At 7 months my puppy needed hip surgery which was so devastating to us at any age but especially a 7 month old puppy. Needless to say Nationwide made everything harder. They wouldn't cover anything until I was with the company for a year and they were very difficult with everything. They kept needing mire stuff from the vet and myself only to deny something that should have been covered if you're with the right insurance company. When I spoke with them after I paid for 2 surgeries myself I wanted to switch to the top policy Nationwide had to offer. However they would not allow me to because my dog had surgery at 7 months so basically they wouldn't let me pay for the top policy. I felt like I was being punished for my puppy needing surgery. I was so heart broken going through this with my puppy and so frustrated with this insurance company. I called Healthy Paws and they were so wonderful and caring. They made this process of getting insurance easy and paid for the next 2 surgeries after receiving the claims with no questions asked. I just wish I would have gone with Healthy paws from the beginning. Not only do they pay you fast after receiving your claim but they ckeck up on your animal afterwards to see how she's doing. Needless to say Nationwide is not on your side but Healthy Paws is for sure!! I hope I never need to submit another claim but if I do I know Healthy Paws will be there for us. Best company ever!
5

out of 5

POSTED: | BY: Amy

Healthy Paw Pet Insurance was so amazing when my Bo got hit by a car, they made a horrible situation less stressful

I had so much more to worry about then money when my dear baby got hit and broke both his front legs. Healthy Pet was there, so easy to deal with and so caring always checking in on my guy. Why wouldnt you carried pet insurance with Healthy Pet, pray you never need it but when you do you will be relieved you have it.
5

out of 5

POSTED: | BY: Susan

The Best!

I just sent a review but I really wanted to elaborate on our story with insurance. we adopted a puppy at 10 weeks old and I immediately got insurance for her. I picked a different company and all was fine. About 7 months later my puppy needed surgery for her hip and the company I had would not pay for any surgery until I had the insurance company for a year. I wasn't going to make my puppy wait three months for surgery because it was painful so I paid out of pocket and never was reimbursed. After this experience I switched insurance companies and I am so happy that I did. Heathy Paws is great and they make the whole experience easier on you not harder like the previous insurance company. Now my dog will be three and Im so glad I switched Insurance companies. Like I said in my other review I tell everyone I know who asks or has an animal that Healthy Paws is the best!!

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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