Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,025

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: Nancy Rinehart

I've been with healthypaws for 11yrs+

I've been with healthypaws for 11yrs+. Throughout my dog's life, Millie has gone through two CCL surgeries and most recently surgery to remove masses on her liver. Each time, healthypaws was caring and provided coverage without hassle. I am so glad I chose them so many years ago.
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5

out of 5

VETERINARIAN: VCA Northview Animal Hospital Specialty Referral Center

POSTED: | BY: Nancy

Healthypaws is the best

I've been with healthypaws for 11yrs+. Throughout my dog's life, Millie has gone through two CCL surgeries and most recently surgery to have some masses removed from her liver. Each time, healthypaws was caring and provided coverage without any hassle. I am so glad that I chose them all those years ago.
5

out of 5

POSTED: | BY: Brett

Best-In-Class Pet Insurance

Our 5-year old dachshund has been through two very major surgeries and dozens of vet appointments and less serious procedures over the past few years, and not only has Healthy Paws helped with the financial burden, reimbursing within days, they've reached out to provide support as well. We recommend them to all of our friends and family who have all shared with us that their experience has been just as positive. Highly recommend this company for anyone looking to insure your pets!
1

out of 5

POSTED: | BY: Sir Vincent Artest

BEWARE: Premiums Skyrocket Over Time — They Don't Want Long-Term Customers

I just canceled my Healthy Paws policy after watching my monthly premium increase by over 500% in just 4 years. When I first signed up, the price was reasonable, and I genuinely believed I was protecting my dog long-term. But every single year, the premium jumped significantly — without any major claims on my end. They’ll tell you it’s because “more pet parents are using their policies in your area,” but I’ve lived in both rural Colorado and now Oregon, and the excuse is always the same. The truth is: they don't want long-term customers. The younger your pup is, the cheaper the policy — but once your dog starts aging (especially around 6 years old), be prepared for your monthly cost to become outrageous and unsustainable. It's clear that Healthy Paws is focused on maximizing profit from healthy young pets while pushing out responsible pet owners who might actually use the insurance when it matters. It’s disappointing and greedy. This is not a company that supports loyal, long-term customers.
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5

out of 5

POSTED: | BY: Andy

Healthy Paws Pet Insurance for Wallis

I have had Healthy Paws insurance for my Bernedoodle Wallis since she was a young puppy. I had heard enough true stories of parents that had to make the difficult decision to save their pet or, or the awful choice of letting them go due to the cost of the medical procedures. We have been fortunate that Wallis has been healthy but she has had some medical issues resulting in costs well outside routine vet visits. Most recently Wallis required surgery. These costs are no different than the costs for a human and Healthy Paws covered the costs exactly like the policy I have with Healthy Paws. In the number of claims I have made over Wallis’s seven years, Healthy Paws has met every claim quickly, usually reimbursing within a few days. There is a heartfelt peace of mind knowing that should Wallis ever need very expensive care I would not have to make the unimaginable decision of whether she gets care or I can’t afford it. Wallis will continue to have Healthy Paws insurance for what I hope is a very long life.
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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 detail
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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