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: S

HUGE Increases in Premiums Every Year!

I have been a customer of Healthy Paws for over 5 years now. I've had two of my pets covered with Healthy Paws within that time. I've never experienced huge increases in premiums with my first pet's insurance. She was covered for nearly 4 years, but that pet has since passed. Currently, I only have one pet covered since Jan 2016 with a premium of $39.72/month. After one year it increased slightly to $43.70/month, which is reasonable. However, the next year it jumped to $54.18/month, and they just raised it again to $67.81/month this year. These are substantial increases, which they justify as increased cost of vet care. They really put pet owners in a bind and forcing them to choose between what they can afford and their pet's life. Starting over with a new pet insurance company will make our pet ineligible for certain coverage based on new health conditions that have been found since then. Healthy Paws says that rates are not affected by the number or nature of the claims that we submit, but I do not believe them. Unfortunately, we have had to submit many claims for our accident prone dog, so it's a suspicious coincidence that the premiums keep jumping up. I am not a happy customer of Healthy Paws and hate how they are taking advantage of the situation that many other pet owners will face.
1

out of 5

POSTED: | BY: S

HUGE Increase in Premiums Every Year!

I have been a customer of Healthy Paws for over 5 years now. I've had two of my pets covered with Healthy Paws within that time. I've never experienced huge increases in premiums with my first pet's insurance. She was covered for nearly 4 years, but that pet has since passed. Currently, I only have one pet covered since Jan 2016 with a premium of $39.72/month. After one year it increased slightly to $43.70/month, which is reasonable. However, the next year it jumped to $54.18/month, and they just raised it again to $67.81/month this year. These are substantial increases, which they justify as increased cost of vet care. They really put pet owners in a bind and forcing them to choose between what they can afford and their pet's life. Starting over with a new pet insurance company will make our pet ineligible for certain coverage based on new health conditions that have been found since then. Healthy Paws says that rates are not affected by the number or nature of the claims that we submit, but I do not believe them. Unfortunately, we have had to submit many claims for our accident prone dog, so it's a suspicious coincidence that the premiums keep jumping up. I am not a happy customer of Healthy Paws and hate how they are taking advantage of the situation that many other pet owners will face.
5

out of 5

POSTED: | BY: Natasha Benn

Hassle free and supportive

Our coverage started in November and in January when our puppy got ill, they covered all charges. It was a very easy and hassle free process that helped us stay focused on our puppy and not costs!
5

out of 5

POSTED: | BY: Natasha Benn

Easy to deal with and kept their promise of coverage

Our coverage started in November and in January when our puppy got ill, they covered all charges. It was a very easy and hassle free process that helped us stay focused on our puppy and not costs!
5

out of 5

POSTED: | BY: Ross MacAlpine

Would not own another dog without Healthy Paws Insurance

I just want to say that my wife and I could not be more pleased with Healthy Paws and how easy it to file claims and receive reimbursements. Our German Shepherd was diagnosed with a potentially life threatening fungal infection in his eye and required thousands of dollars worth of treatment and medications. We are not in great financial shape right now so to be able to focus on our dog and not have to worry much about the financial side of treatment is such a blessing. Getting Healthy Paws insurance was a great decision and I would never own a pet again without this insurance. We have been telling our friends and family about Healthy Paws and highly recommending getting pet insurance through 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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