Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,791

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: Kirstin Blakeley

Why can't human insurance be this good?

I pay $23 a month for my cat Athena's insurance. About a year after I signed up, she developed an ear infection. Weeks of various medications were doing nothing. Fluid sat at the bottom of her ear and kept coming back even with draining. Her ear drums were ripped from the infection and she developed a high fever, leaving her so lethargic I wondered if she would make it. The vet, whom I trust, recommended a specialist come in and perform a complex, expensive operation that would essentially take out part of her ear. The operation was about $2500. I felt more secure knowing I had HP, however, experiences with human insurance companies, who love to deny claims, had left me wary. So imagine my surprise when they paid out promptly. Not only that, they initially only paid half because I had paid a half-upfront downpayment. Since that wasn't itemized on the invoice, it wasn't paid. I called and explained the situation. At first they asked me to send a re-itemized bill and I said I would. But the next day, they just went ahead and processed it with no more fuss. Also, the customer service reps are helpful and polite. I'm glad to say Athena is feeling much better.
5

out of 5

POSTED: | BY: RickandLaura Vollmer

Best decision!

We picked a plan that worked for us and never thought we would "need" it. Well, we did and do. For the cost of one DVD a month, my pet is covered. One day into our dog's illness and our deductible was met. I just take a picture of the bill using their incredibly easy to use app and in short time they let me know it's being processed and then another alert letting me know it is complete. Easy, fast, worry free insurance so I can concentrate on my dog!
5

out of 5

POSTED: | BY: Sue

Excellent customer service and reimbursement!

My Fenway recently had a left knee surgery and will soon have hip surgery.I was really worried about the procedures but when I spoke to the customer service rep I was assured of coverage! I provided all of the vet findings so they knew what we would could expect! The price is excellent and truly believe this was the smartest decision I have made in my life 🐾
5

out of 5

POSTED: | BY: Laura

Pick your plan and rest assured!

We picked a plan that worked for us and never thought we would "need" it. Well, we did and do. For the cost of one DVD a month, my pet is covered. One day into our dog's illness and our deductible was met. I simply take a picture of the bill using their incredibly easy to use app and in short time they let me know it's being processed and then another alert letting me know it is complete. Easy, fast, worry free insurance so I can concentrate on my dog!
5

out of 5

POSTED: | BY: Terri

Healthy Paws reassured us in our dog's emergency!

Shortly after obtaining pet insurance from Healthy Paws, our Labradoodle became very ill. After several trips to the vet, medications, and finally, the emergency clinic, it was determined that he had Addison's disease. Without treatment, he would die. Throughout the week long ordeal, we were in contact with Healthy Paws as our medical costs were quickly mounting. They were calm, reassuring, and encouraging. Their reimbursement payments came quickly and they called to check in on Buster two different times to see how he was feeling. I highly recommend Healthy Paws to any pet owner!

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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