Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,006

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: Carol

Excellent pet insurance!

Highly recommend Healthy Paws. No questions or delays in processing claims. Reimbursements were received within a few weeks.
5

out of 5

POSTED: | BY: erin

wish my human insurance were so good

healthypaws saved the day. having to make a choice between your pet's health and your pocket book would be a devastating decision. healthy paws covered everything that could possible be covered (they do not cover the exam, and of course there is a deductible) with no arguments nor shady fine print escapism when my pup came down with multiple pneumonia and required extensive care. their customer service is top notch (they pick right up when you call (no phone tree to pick and choose through), and checked in on my boy after all the problems to see how he was doing). the price is within range of other insurance carriers. and they donate to charity. i am so grateful to be able to be there for my pup and worry less about finances.
5

out of 5

POSTED: | BY: Yomara

Great customer service, they care

Janelle and Nicky helped me with my claim. My dog unexpectedly needed orthopedic surgery due to a crucial ligament break. Surgery cost over $4,000 and healthy paws helped me cover more than half of the cost. I paid a $200 deductible and 20% of the bill because that's the plan i chose. Talking to Janelle and Nicky it was warming how much they truly care and they talked to me as friends they card about how she did from surgery. I got reimbursed direct deposit a week after my claim. It was easy doing it through the app. I am thankful I have insurance for my dog and I am satisfied with the service I have received.
5

out of 5

POSTED: | BY: Gloria

Very responsive customer service

I've been extremely happy with Healthy Paws. My dog had a chronic injury that required physical therapy (though fortunately not surgery) and Healthy Paws made it possible to deal with the issue as soon as possible, rather than waiting and possibly allowing the injury to get worse. My only complaint is that the deductible is calculated at a discounted rate equal to your reimbursement rate, which wasn't clear to me when I signed up. Even so, the insurance has more than paid for itself and been extremely easy to use, even after moving across the country and changing vets several times.
5

out of 5

POSTED: | BY: Nate

Healthy Paws is easy to work with and lives up to their claims!

My dog is a much happier, healthier pup thanks to Health Paws; if we hadn't insured her through them, I doubt we could have paid for the heart condition she has developed (~$1.5k a year), which necessitated the removal of a diseased tooth that was exacerbating the issue (~$3k), and which complicated the surgery she needed for her rotator cuff (~$10k). Healthy Paws covered a total of almost $15,000 for us in this year alone, and I couldn't be more relieved that we chose to insure her as soon as we adopted her. HP's online claim system and direct-deposit reimbursement make them easy to work with, and when I've called to get assistance with things like medical paperwork, the person I spoke with was genuinely concerned with my dog's well-being. I can't recommend them enough!

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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