Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 9,728

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.9
  • 4.7
  • 4.9
  • Count
  • 39
  • 251
  • 9,728

Updated: December 05, 2023

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. Learn more about Healthy Paws’ plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: David

Customer for 3 years and very happy

I've been a Healthy Paws customer for 3 years and overall, I'm very happy. I've submitted several claims, and every time the service and payment has been ridiculously fast. I love being able to email claims to them. I feel the cost is worth it; and yes, the premiums have modestly risen over time. I'm probably running even with my claims and the total I've paid in monthly premiums. But knowing that I have some coverage if God forbid something really bad happens to my dog, it's a great feeling. One point: I'm very glad I started coverage when my dog was a puppy. The pre-existing clause would have been a negative (although every pet insurance has it). I wish the industry took a page from Obamacare and wipe out pre-existing exclusions.
5

out of 5

POSTED: | BY: Renee F.

Superb!

I can't say enough good things about Healthy Paws Pet Insurance. I have two Rottweilers that have been insured since they were puppies. I shopped around for insurance before settling on Healthy Paws. One of the many reasons I chose them is because you only pay your deductible once a year. Other companies wanted it paid for every incident. At Healthy Paws they genuinely care about your pets, and it shows in their customer care. They pay very fast too. I usually have my check within one week of submitting the claim. I definitely made the right choice when I chose Healthy Paws.
5

out of 5

POSTED: | BY: Nikole Hendricks

Healthy Paws exceeded all my expectations!

I have been a very happy Healthy Paws customer for almost a year now. This was the first time I'd purchased health insurance for a pet, so I really didn't know what to expect. Unfortunately for my German Shepherd, we've had to make use of the insurance a few times.. But I can honestly say that Healthy Paws has exceeded all expectations. The paperwork is easy to fill out and submit, their claims processing is always SUPER fast (and correct the first time!), and they are very easy to contact and immediately responsive. This is not a company where you'll get stuck in an automated phone system or receive "Do not reply" emails. It's really refreshing to get such great customer service these days! My dog is part of my family and it is really comforting to know that I will never be in a position where I can't afford the best health care for him. He just recently had to have a mass removal surgery and Healthy Paws paid his $2700 claim- no questions asked. Well, except that they sent an email asking how he was recovering. :) I am beyond impressed!
5

out of 5

POSTED: | BY: Janine

Awesome!

Healthy Paws came to the rescue when my dog's digestive issue warranted two x-rays and an ultrasound. My claims were processed efficiently and the customer service was outstanding. Highly recommend!
5

out of 5

POSTED: | BY: Kristen

Healthy Paws is Legit, Reliable and Fast!

Very impressed! I've been paying for insurance for my 50-lb dog just for this year, and finally submitted a claim this July. I was a little scared of having wasted my money since no one I knew had ever submitted one before, so everything was heresay. But I submitted it, got an email that night that it was processing, and within 1.5 weeks (they say the 1st takes the longest) got an email detailing what they would never be able to cover, and what they could cover from this claim, which was everything!, and very reasonable. All outlined for me so I won't be confused in the future, and won't bother submitting what they can't cover. Got a check in the mail within another week. Yay! I'm very happy they have my business! (Details: It was a surgical removal of a little lump on the ear, and she had had little bumps on other areas before, so I worried they wouldn't cover it based on similar "pre-existing" things even though there was no proof they were related. Apparently, and happily, they get specific - they won't cover if they come back in the exact same spot. But luckily I found out it was nothing, so I won't worry. They did not cover the nail trim. Duh.)

Monthly Cost

$15 – $90, 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 $100, $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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