Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,787

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: Teri

You care enough to insure your pets, so do your research and get the best!

A very short time after I signed up with Healthy Paws, both of my dogs needed expensive diagnostic testing, and one needed surgery to correct the development of tracheal paralysis which caused his airway to be too narrow to adequately oxygenate him. Both are senior dogs, a 10 and 12 year old, so the deductible was $750 a year, with a 60% reimbursement rate which I thought was fair because I hadn’t started them at a young age. Both are very healthy but I thought that at their age they might be more prone to accidental injury because they are active and regularly go to the dog park to play with other dogs. I had never imagined I would need to spend over $5000 for a medical issue on the older one, a Standard Labradoodle, and even the 10 year old Spitz has already cleared her deductible. The reimbursements from Healthy Paws were made promptly, professionally, and the staff is very cordial and caring about the welfare of my pets. I am so happy I did my research and didn’t settle on the company that would have been more convenient because my vet would do the paperwork, and another that friends at the Dog Park have. It’s very easy to submit claims via their app. Do your research - there are many independent reviews about this company. I hope you will never have to use it like I did, but if you do they will provide tremendous relief and support to enable you to care for your companion in the best possible way.
1

out of 5

POSTED: | BY: Michael Kuhn

Never paid any claim citing vague "pre-existing" condition

My dog had pancreatitis before she was insured. This is a very specific diagnosis. Healthy Paws has denied every claim we have sent that has had anything to do with the GI tract.
5

out of 5

POSTED: | BY: Alicia

Fantastic pet insurance, easy claims, and fast reimbursement!

I have had Healthy Paws pet insurance for about 4 years now and it seriously has been a lifesaver. My dog developed chronic gastric problems in the past 2 years that have required multiple trips to a specialist, an endoscopy, and dental work related to his gastric disease. Healthy Paws was always there for us when we had questions about reimbursement for dental procedures we weren't sure would be covered and also acquiring the necessary paperwork to make our claims easy and convenient. It gave us peace of mind knowing we didn't have to worry about getting reimbursed for an expensive medication or whether an expensive test would be covered or not. I would recommend Healthy Paws to my friends, family, and anyone with a furry loved one.
5

out of 5

POSTED: | BY: Barbara Chism

Seamless

Sterling went through 2 surgeries to fix a Lactating Patella in both legs. Healthy Paws covered 80% of the cost of the surgery and saved me thousands of dollars. They made the process seamless. Warmest Regards Barb and Sterling
5

out of 5

POSTED: | BY: David

If you have a pet, you need pet insurance and if you need pet insurance, you need Healthy Paws!

These guys are quite literally life savers! I don't know that we would have been able to afford all the treatment for our dear, sweet, Clementine had it not been for Healthy Paws. We signed up for Healthy Paws just a few months before our pup was diagnosed with caner. Healthy Paws has covered 90% of her medications, lab work, and surgeries adding up to over $25,000 and counting. All you have to do is take a picture of the vet bill using the app and you'll get a check in the mail within the week (you can also sign up for direct deposit). It really could not be any easier! I recommend Healthy Paws to everyone I know.

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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