Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,780

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: Claire

If only human insurance could be so easy!

This company is wonderful. You take a photo of your vet bill, send it using the healthy paws phone app, and they reimburse you a few days later. They cover what they say they will cover, no questions asked. It allows you to take your pet to the hospital when they need it without having to worry how on earth you'll be able to pay the bills afterwards. Just two weeks ago our extra small mini dachshund, who'd been kind of lethargic for a few days and not eating or drinking, started throwing up copious amounts of blood. A quick/frantic google search hinted to me that it might be Hemorrhagic Gastroententiritis, and not wanting to take any risks, I bundled her up into the car with the kids and brought her straight to the hospital. I'd read that in small breeds in particular this kind of illness could have serious repercussions if not dealt with right away. The doctor confirmed it was GH and said we'd been smart to go directly to the hospital. They put her on an IV and medication and kept her overnight. Late the next day we brought her back home and a few days later, she was back to normal. Healthy Paws covered it all and even sent me a personal email asking me how she was doing. (The idea that Blue Cross Blue Shield would want to find out how I was doing after processing one of my medical claims is comical....in a sad, sad sort of way.) Anyway: get this insurance. They're affordable and they honor the terms of your contract. And they're super nice.
5

out of 5

POSTED: | BY: Claire

If only human insurance could be so easy!

This company is wonderful. You take a photo of your vet bill, send it using the healthy paws phone app, and they reimburse you a few days later. They cover what they say they will cover, no questions asked. It allows you to take your pet to the hospital when they need it without having to worry how on earth you'll be able to pay the bills afterwards. Just two weeks ago our extra small mini dachshund, who'd been kind of lethargic for a few days and not eating or drinking, started throwing up copious amounts of blood. A quick/frantic google search hinted to me that it might be Hemorrhagic Gastroententiritis, and not wanting to take any risks, I bundled her up into the car with the kids and brought her straight to the hospital. I'd read that in small breeds in particular this kind of illness could have serious repercussions if not dealt with right away. The doctor confirmed it was GH and said we'd been smart to go directly to the hospital. They put her on an IV and medication and kept her overnight. Late the next day we brought her back home and a few days later, she was back to normal. Healthy Paws covered it all and even sent me a personal email asking me how she was doing. (The idea that Blue Cross Blue Shield would want to find out how I was doing after processing one of my medical claims is comical....in a sad, sad sort of way.) Anyway: get this insurance. They're affordable and they honor the terms of your contract. And they're super nice.
5

out of 5

POSTED: | BY: Jennifer

Outstanding

Healthy paws is incredible, they cover so much, and are so quick to reimburse you. I have the 90% reimbursement plan, and after an unexpected emergency with my cat I realized they reimbursed me more than the actual amount I’d been paying in pet insurance over the last 3 years. So totally worth it!! Also, their app is incredibly easy to use, usually I file my claim while paying the bill in the vets office. The personalized follow up to check on your pet is really nice too!
5

out of 5

POSTED: | BY: melanie

Very impressed with coverage and service

When my 12 year old dog passed on I got another husky, a rescue. He's an absolute joy and only 3 years old. I had insurance for my former dog and was not impressed, but I did a lot of research and signed up for Healthy Paws the day after I got Bernie. Suddenly 3 weeks ago he collapsed. I rushed him to the ER. After life saving surgery and a blood transfusion, he was diagnosed with Hemangiasarcoma, an awful disease, rarely seen in Huskies, and even more rare in young dogs. He is doing remarkably well, and we are doing all we can to give him a happy healthy life. Healthy Paws covered 90% of the costs, just like they said they would. The paperwork was processed rapidly. I am very impressed.
5

out of 5

POSTED: | BY: MaryJ

Our dog is alive because of Healthy Paws

We recently got a very unexpected osteosarcoma diagnosis for our very young (5 yrs old) large breed dog. We have been healthy paws customers for the past 4 years. Over the past few years, she has never required more than routine care. I did not imagine how important pet insurance would be until we had this very serious diagnosis. Healthy Paws has covered all of our dog's treatments and diagnostics (x-rays, biopsy, and amputation surgery) at 90%. It has been the easiest process ever (submitting a photo of the receipt through the app and having the reimbursement sent by direct deposit). They have been so helpful, even offering to arrange for an upfront payment if we couldn't afford the very significant surgery payment. Without their support, our dog literally would not be with us. We are so grateful for their help and support during such a difficult 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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