Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,403

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
1

out of 5

POSTED: | BY: Sarah

Horrible company.

I decided to get pet insurance due to having large bills from the vet in the past with other animals and struggling even to this day to pay them off. I signed up for the company back in June and the only thing they have been consistent with was taking my money. Took me calling and calling to get a claim even looked at and calling and calling about a reimbursement which I never got. At this point I was paying 57 dollars a month right into their pockets. She just had to get a surgery for a lump removal and they said I was getting money back to help pay it off. I waited for weeks and never got the money. When I called and was on hold for 20 mins they told me it went into my yearly deductible. I have rescue dogs and fosters. I’m not made of money. Isn’t insurance suppose to help you when you need help? Disappointing company. I’d never recommend to anyone.
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.

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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