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
2

out of 5

POSTED: | BY: Nicole

Not what it used to be

When I first got a policy for my dog, it cost me $41.00 a month to have a $250.00 deductible and 90% coverage. The last couple years price has gone up and the coverage has gone down. I just down graded to have 70% coverage and a $500 deductible to bring the bill down to $37.00 (I’ve never received a check because fortunately we haven’t had any major costs). Not two months late the same coverage now costs me $46 a month. I had to bring my dog to the ER the other day for the first time and I was hopeful I would finally be thankful for his insurance. Nope. It cost me $550. After my deductible of $500 and only getting covered 70% of $50 I’ll get a check for a whopping $35 check. I’ve easily spent $1000s Over the past 5 years. I wish i just put $40 a month into a separate account for my dog and will likely start doing that soon instead. At the least I will be searching for a better insurance company that doesn’t repeatedly increase in cost and cover less!
3

out of 5

POSTED: | BY: Judith

Do NOT buy it

Was a great Company when I signed up 2/2016. Now if you wait to talk with someone, the average wait time is 45 minutes. If you leave a call back #, they don’t call you back. Their new Customer Service team doesn’t speak or understand English very well.
5

out of 5

POSTED: | BY: Teresa

Healthy Paws made a difficult situation…

Healthy Paws made a difficult situation a lot less stressful. Our pup Nox ate a Black Walnut, got sick, and needed an emergency surgery. I called to confirm coverage and they were informative and sympathetic to our situation. After the ordeal was over and we had the bill we were able to easily upload our claim using the app. We were updated throughout the process by Healthy Paws with updates as to the status of our claim. Within two weeks they paid our claim and covered everything they said they would with no hiccups or hold ups. It saved us thousands of dollars.
5

out of 5

POSTED: | BY: Teresa

Excellent customer service, necessary coverage, and timely responses

Healthy Paws made a difficult situation a lot less stressful. Our pup Nox ate a Black Walnut, got sick, and needed an emergency surgery. I called to confirm coverage and they were informative and sympathetic to our situation. After the ordeal was over and we had the bill we were able to easily upload our claim using the app. We were updated throughout the process by Healthy Paws with updates as to the status of our claim. Within two weeks they paid our claim and covered everything they said they would with no hiccups or hold ups. It saved us thousands of dollars.
5

out of 5

POSTED: | BY: Meredith

There's not much that could make a tooth extraction less painful- Healthy Paws was able to make it happen!

Healthy Paws has been by my dog's side since I got her 3 years ago, through ear infections, injuries at the dog park, etc., but really came through for us when my dog broke her tooth and ended up needing an extraction. Through the fear of putting my dog under anesthesia, I also was scared about how I would afford the procedure and Healthy Paws came through for me with my coverage. I have never been more thankful for pet insurance than I have through this process. I also learned how much they care- I got a personal follow-up message asking how my dog was doing during her recovery. I recently considered switching pet insurance companies, but after this will be a Healthy Paws customer for the life of my dog and for any future pets I may have. Additionally, they keep making things easier when submitting claims- I have seen their process get more streamlined. They've always responded to claims quickly, but they also always beat their 10-day processing time.

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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