Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,767

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: Ali

Incredible Insurance, Incredible People

Healthy Paws has been taking care of my German Shepherd for many years now, and Caesar would not be where he is today without them. He had multiple hip issues that required a total hip replacement on both sides and Healthy Paws was always there to step in and help cover his medical expenses. They even covered him when he needed endless amounts of physical therapy and medication while he was recovering. He is living and walking pain free because of the excellent support that Healthy Paws provides. They are the best decision I ever made and all future pets will immediately get covered by Healthy Paws. I highly recommend them to any potential pet parent!!!!
5

out of 5

POSTED: | BY: Michele Nelson

Healthy Paws and Puppy Bad Knee

I adopted my dog at 9 months old. She came from TN (but originally from OK). Best dog ever! Three months after her coming to my home she had an issue with her knee. I was nervous about the expense of surgery and also being a new client to Healthy Paws. I should not have worried. She had her surgery, is on the med, and Health Paws could not have been more helpful (and also paid my claim). I would recommend this company.
5

out of 5

POSTED: | BY: Carol Ann

Excellent service.

I am very pleased with Healthy paws pet insurance,. Submitting Claims is very easy and they process them very quickly. I highly recommend them.
5

out of 5

POSTED: | BY: Tiffany Green

Worth every penny and quick & easy to submit a claim on the mobile app!

We purchased Healthy Paws Pet Insurance for our Bernese Mountain Dog, Scarlett, at age 2 after she required a 5 thousand dollar surgery for gobbling up corn on the cob off the patio table around the 4th of July. (There aren't many things worse for your dog to consume than entire ears of corn on the cob!) I researched pet insurance companies and asked dozens of dog-owning friends if they had pet insurance and who they purchased it through. Healthy Paws got rave reviews from everyone I know who had it, so I signed Scarlett up. For the last couple years we have paid our monthly premium and did not need to submit a claim until recently when we noticed a lump in Scarlett's cheek which turned out to be a malignant tumor. She underwent testing to look for metastasis, and when those reports came back clear, we had the tumor (including her upper left maxilla/jaw bone which the cancer had eroded) removed. The first week was a rough recovery, but at day 7 she was energetic and eating normally (just softer foods while she learned to chew on the right side of her mouth). To ensure we eradicate all the cancer, Scarlett's oncologist suggested a few rounds of chemo, which we have just started. Over the past few weeks I have submitted several thousands of dollars worth of bills to Healthy Paws, and they have honored her plan to the letter. We have a $250 deductible and then 90% of her bills (procedures, surgery, meds, etc) have been covered. When I called to inquire about her initial claim which was taking a while to process, the representative was very nice on the phone and explained they had not yet received Scarlett's medical records/history from our PCP/vet. She emailed and faxed our vet for us requesting her records (as I had already called and asked for them to send them on once before) and she also followed up with me via email to let me know what actions she had taken. She included a nice message to Scarlett hoping she recovers quickly. It has been incredibly easy submitting claims through the mobile app. I've paid Scarlett's bills before leaving the vet hospital, snapped a photo on my phone, and then simply sent in the photo of the bill through Healthy Paws phone app. It's quick- it takes less than a minute. An email automatically populates saying they've received the claim, another when it's being processed, and a third when the reimbursement check is sent. We have been incredibly pleased with their customer service, responsiveness, and caring enough to send the periodic email checking in on Scarlett. I understand that pet insurance is one more monthly expense. But when something catastrophic happens to our four legged family members, having insurance like Healthy Paws takes the monetary element out of the equation and allows us as parent to focus strictly on trying to provide the best care for our pet versus "how much is this going to cost me?" and "where am I going to find that kind of money?" I am so glad we purchased this insurance for our berner and I will continue to buy insurance through Healthy Paws for all our future pets. 5 star rating for a 5 star company! I couldn't recommend more.
5

out of 5

POSTED: | BY: Heather

Above and beyond

I was devastated by the unexpected saddle thrombosis and death of my dear Mau. Healthy Paws claim process quick, and I received the most gracious emails from staff. I do also appreciate the automatic cancellation of his policy as everything I have to do reminded me brings back the hurt. I received a condolence card hand signed by the Healthy Paws staff and taken aback. I work for an insurance company and, believe me, nothing like that would take place. Healthy Paws made a very painful event as painless as possible.

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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