Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,404

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 Official Pet Insurance of PetSmart 24/7 virtual vet care: Through Airvet — the nation’s leading veterinary telehealth app Fast claims: Most claims are processed within 2 days Coverage options with no payout limits & 90% reimbursement
5

out of 5

POSTED: | BY: sandrine

The type of insurance that a pet owner dreams of ....

It really shows when a company does business because they truly care and that's what Healthy Paws, proved to me. I've been with them for 5 years . My dog Romeo was always pretty healthy even though we found out he has epilepsy a few years ago . Recently though we found he had a cyst that needed to be taken care of ASAP and a couple more procedures that demanded surgery . The total was more then I could afford to advance since I'm not currently working. When I called them to see what could be done, I was told to put them in contact with my vet to get the total of the procedure . Within a few days the surgery was approved, I didn't have to do anything more then that one phone call . Now my dog is recuperating, the vet was paid immediately and I only had to pay 10% of the total which was a great relief . In the past they also paid claims that were over a year old too (for his seizure medication). I can say I feel great to face the future with a pet insurance that cares . Mind you , the insurance emailed me a few days later to see how Romeo was doing which was heartwarming . Wish our human insurance were as smooth, compassionate, efficient and well priced as they are . I highly recommend them ... I cannot say enough good words ..
5

out of 5

POSTED: | BY: Eileen

Wonderful

Rebel has been insured by Healthy Paws since he was 5 years old. He had some neck and back issues last year and they covered chiropractic appointments for him! Recently, I found a lump in his mouth. It turned out to be cancer. Melanoma. He’s had 3 surgeries and is currently under the continuing care of Cornell Oncology. Thanks to Healthy Paws I can focus on making the best medical decisions for Rebel without having to ask “how much is that?” They have been wonderful throughout this entire ordeal. Submitting claims is super easy, they keep in touch with you while the claim is being processed, the claims are processed quickly and once approved reimbursement comes quickly by check in the mail. They have been kind and always ask about Rebel and how he is doing. They have not disputed a single charge. I couldn’t be more pleased with my choice of Healthy Paws for my pet insurance. I am a practicing small animal veterinarian in Syracuse, NY. I decided to get pet insurance for my pets as there is so much specialty care available now in veterinary medicine, specialized care I don’t have the expertise to provide myself, and I want my pets to receive the best care available when they need it. Thanks to Healthy Paws, I don’t have to worry about the expense of trying to save Rebel’s life and maintain his quality of life for as long as possible. So happy with this company.
5

out of 5

POSTED: | BY: Cat

Healthy Paws for peace of mind.

I have had two dogs and three TPLO surgeries between them. For my first dog I paid out of pocket and that hurt. So for my second dog, a large mix breed of Lab and Mastiff, I chose to buy Healthy Paws insurance. I did do some looking around and some comparison shopping for insurance and I chose Healthy Paws because I liked their easy enrollment and easy claim process. I have now had two TPLO claims with Healthy Paws and with each one, I was able to use my iPhone to snap a photo and upload my claim via their app. My claim was received and processed incredibly quickly and they paid two thirds of the cost of the surgeries. I couldn’t be happier. Knowing I had such good coverage for my dog took way a lot of the trepidation around such a huge event like knee surgery for a dog.
5

out of 5

POSTED: | BY: Melissa

Awesome pet insurance!

dHealthy Paw pet insurance is the best hands down! I have had other pet insurance in the past and was very disappointed in the lack of coverage, the excuses they found not to pay the claim, and the "hoops" I had to jump through to get a claim covered at all! Healthy Paws has never disappointed me. I've had their insurance for 4 years now for both of my dogs and they've never failed to cover a claim. As long as you provide the invoice and vet-visit notes for a covered service, they pay the claim no questions asked. One of my dogs recently had to have surgery that cost over $1000.00. With my 90/10 policy through Healthy Paws, they reimbursed me $922.00 and I have my check in 10 days! I would recommend Healthy Paws pet insurance to all pet parents!
5

out of 5

POSTED: | BY: Irina

Helped us pay for a major spinal surgery

Earlier this year our dog Sam started loosing function of his rear legs. We took him to several vets who gave a variety of diagnoses until we were finally referred to a great neurologist. The MRI and other various tests alone added up to almost $4000. Then came the surgery and the various post op procedures. At the end of the day the total charges for his back issues came out to almost $10,000. I am not sure how we would have afforded this without insurance. Most importantly Healthy Paws makes the process so easy and stress free. I have had a different insurance in the past with a different dog and with much much more minor treatments they would continuously bounce back our claims finding any and every excuse to refuse to pay. Every single claim above $200 would take 2 or 3 appeals before they would actually pay out (because their refusals were unfounded), their strategy was to make it difficult in hopes you would give up. Never had any similar issues with Healthy Paws, the claim submission is easy, fast and the payout is exactly as what you would expect based on your plan.

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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