Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,024

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: Mark Wiseman

They are experts at taking your money…

They are experts at taking your money and experts at refusing to pay your claim. We need more documents.. we need more documents.. we need more documents.. we need more documents..
1

out of 5

POSTED: | BY: Mark

They don't Pay Claims

After five years of paying monthly, rising rates, I mdee one claim and they stalled, made excuses, asked for more and more and more documents. They search for a reason not to pay and wait you out, hoping you quit making payments and then you are no longer a customer. Only the "happy" customer (suckers) are left. Avoid this company.
1

out of 5

POSTED: | BY: Chris E

Triple Cost with No Benefit

After paying in for eight years with zero reimbursements, my policy jumped from $50/moth to over $150.
1

out of 5

POSTED: | BY: Audrey

Raised rates 150% in one year with no history of claims

Terrible Company - they try to get rid of older pets by tripling the rates when the animal ages - this is after 7!years with them and no claims
1

out of 5

POSTED: | BY: Nicole N.

Former customer with really bad recent experiences

We had Healthy Paws since we adopted our dog almost 10 years ago. However, I got a recent notice via email that our premium would be increasing from $82 to over $400 dollars. All the documentation and notices in the online portal didn't adequately explain why, and none of the documents except the original email even mentioned the new amount, which was way at the bottom in basically the tiniest text possible. Extremely hard to cancel via email. I received three emails that acknowledged that my request had been received, but no real reply until I followed up with stronger wording, after which I was given the runaround again. Eventually I was able to get a (very nice) representative on the phone and canceled that way, but wow. I really think Healthy Paws has gone steeply downhill in the last couple of years and shifted to misleading practices that gave this longtime customer a horrible impression of them in the end.

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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