Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,971

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: M

The Best of the Best!

I have to say that in all the years and all the searching, HealthyPaws pet insurance is the best. From the submitting claims to phone calls to emails and updates and sending out reimbursement checks - all is amazing. The best thing to do is get this when your puppy is young, I think under a year - not sure. Best coverage, no hassle, tells you like it is, upfront, personal and caring. You can probably tell I have had another insurance company that is the opposite- for my boy. I wish I could switch him. This is by far the best. I think they say from Nose to tail and everything in between! Awesome. No one comes close to the coverage and the cost. Don't waste your time and money anywhere else. Even covered my baby girl knee surgery! How amazing is that! But in everything else as well!
5

out of 5

POSTED: | BY: Jason

Saved our family...

Our silver lab, Koa, managed to get into a baby bag while we were at work. He opened and ate a few items to include baby food and a bottle of Advil. The bottle was not full, but we had no idea how many pills were in the bottle. We immediately took him to the Animal Hospital in a new state (we recently moved from Arizona to Virginia). Koa was admitted to the hospital for treatment after a consultation with the animal poison control. In all, Koa spent 8 days in the hospital on 24/7 IV fluids and medications for his gastrointestinal tract. I checked the Healthy Paws app and website to verify what I already knew: that his services would be covered. I had two conversations a day with the veterinarians administering Koa's treatment and the discussion often revolved around whether we could afford to keep Koa on the IV fluids until his laboratory results showed that the toxins had been eliminated from his system. This was a touchy subject for the veterinarians because the treatment was close to $1000 a day and while they wanted to recommend the continued treatment they realized that many people could not afford the treatment. I assured them that Koa was covered and that we would and could do anything medically necessary to give Koa the best chance to live a long and healthy life. I cannot emphasize enough the peace of mind that I had throughout this ordeal knowing that I could afford to give Koa the best chance to live a long and healthy life. I never once had to hesitate or look at alternatives to treatment. I first came to Healthy Paws when Koa was a puppy. I chose what I felt was the coverage I wanted at a price that I could afford. I have recommended them to other dog lovers since Koa was a puppy. This event has only strengthened my belief in the truly outstanding service that Healthy Paws provided, and I will continue to recommend them to everyone I know. Our final bill was $8000. I submitted the claim through my app before I even left the hospital, and I received the check in the mail with in 5 days to include a weekend. Koa is healthy, happy, and home with us, and I am not sure that would be the case without Healthy Paws. For our family, the peace of mind of knowing, without a doubt, that we could do anything medically necessary to keep our family member with us for as long as possible was immeasurable, and I have Healthy Paws to thank for that.
5

out of 5

POSTED: | BY: Jeff

First Claim with Healty Paws

Submitted claim on the Sunday before Memorial day and got a check the following Monday, claims process is very easy and I would never have a pet without insurance with Healthy Paws and would highly recommend them.
5

out of 5

POSTED: | BY: Beth

Much better health insurance than I have.

Kind, attentive phone staff who do their best to answer questions immediately. Prompt follow-up on claims. Emails to let you know claim status. Follow-up after illness.
5

out of 5

POSTED: | BY: Adam

Follows through and covers as agreed upon

I want to thank healthy paws for actually covering what was promised. We originally had aspca pet insurance from the day we got him and in the first few months he became sick and constantly had diarrhea. We had to bring him in the middle of the night and spent $600 at the emergency vet. Although we had a 90% plan, they didn't even cover 40% of the bill. Additionally, aspca insurance had a higher monthly fee. We read reviews on healthy paws and switched. For the vomiting a few weeks ago, we were nervous as the bill was almost $600 for our first visit and then around $1500 for the second. We didn't want to have to choose between our dogs care and coming up with $2000 from our savings or credit cards. I filed the claims for the two visits within literally 2-3 minutes using the iPhone app. We were so relived to see the processed claim showed that healthy paws actually covered what they said they would. We were thankful that Ollie was able to go to what is considered the best emergency veterinary hospital in New England and get the best care. He was monitored 24/7 during his hospital stay. We were able to say ok to his X-rays, ultrasound and when the doctor recommended he stay another night in the hospital we could do so without adding any financial stress to ourselves. We love our dog like he is part of our family and just want to thank healthy paws for following through on your promise & covering what they say they will cover.

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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