Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,012

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
5

out of 5

POSTED: | BY: Jeffrey

Unbeatable Claims Service

Our 2 year old Shih-Tzu just had to have major surgery for a bowel obstruction. The claims team reviewed our claim & had it paid in less than two weeks. I have worked in the (people) insurance business for over 40 years so I know a thing or two about settling claims. Their service is fantastic!
5

out of 5

POSTED: | BY: Karen

Healthy Paws is AMAZING

I have been with Healthy Paws for years and just love them. I've had nothing but great experiences with them when I needed to treat my dog. They take the worries away and filing a claim quick and easy. Very caring and compassionate. They are the best.
5

out of 5

POSTED: | BY: Aaron

Very Pleased

This is the first time that my wife and I have purchased pet insurance, and thank goodness we chose Healthy Paws. Our dog, Franklin, tore his ACL and meniscus and needed surgery. Throughout the entire process, encompassing all the initial vet visits, x-rays, and blood work, and going all the way through the surgery and after-care, Healthy Paws has been great in their outreach and support, as well as their reimbursements. I would highly recommend it to any pet parents out there.
5

out of 5

POSTED: | BY: Samantha

Life savers

My cat got into something in the house while I was away and had to be hospitalized for 2 weeks, and had a stomach tube placed for well over 2 months. If it weren’t for healthy paws, my cat would not be here. The fact that they don’t have a limit played a huge role as well. They paid exactly what they said they were gonna pay, no questions asked. Highly recommend.
3

out of 5

POSTED: | BY: Caitlyn

The seemingly endless rate hikes and lack of transparency at Healthy Paws are very disappointing.

I have been a Healthy Paws client since 2014 and my rate has gone up every single year. My rate went up 15.5% from last year and has gone up a total of 57% since I first joined. I was notified through a February email from “Jennifer at Healthy Paws Customer Care” about the most recent increase that would occur in April. I reached out to the corporate office where Liz informed me that the increased rate was reflective of the increased veterinary cost and claims in my area. I stated that in my community of pet owners we had not seen anywhere close to a 15% increase in vet costs over the past year and would like to see some documentation to reflect their claim. Liz stated that would not be a problem and that I would receive documentation the following week. No one ever got back to me so I followed up through the inquiry form on the Healthy Paws website. My continued follow-ups have yielded emails from Beth at Healthy Paws Client Services apologizing for delays in providing my documentation request and stating that she will reach out to the team/manager handling the request. My rate has now officially gone up and still no documentation or other satisfactory response has been provided other than to reiterate that the rate hike is due to an overall increase in the frequency of high-value treatments (again, without documentation). My dog just had his annual at the vet where costs hadn’t increased at all from last year let alone by over 15%. Meanwhile my neighbor’s pet insurance rate from a different provider, which began at a similar cost to my own, has not gone up at all in the last 5 years, let alone by over 50%. The lack of transparency and seemingly endless rate hikes at Healthy Paws is very disappointing.

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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