Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,224

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
3

out of 5

POSTED: | BY: EMILY W

Read the fine print before you choose…

Read the fine print before you choose your plan. The deductible is a bit of a scam where they apply your % rate to the eligible expenses before they apply it to your deductible. So if you choose 50% rate, it will take you twice as much money to reach the deductible. I think that’s shady marketing but aside from that we still use this company. They are efficient and easy to submit claims.
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1

out of 5

VETERINARIAN: Parkview Pet Clinic, A Thrive Pet Healthcare Partner

POSTED: | BY: Karen

Look elsewhere for good pet insurance

Beware. Dishonest company that does not care about your dog once it's a senior. On the positive side, I've always had very fast claim turnaround and little problem with what's covered, and I do think HP is still a great plan for younger dogs -- but they will literally price you out as your pet ages. The language regarding premium increases taken from Healthy Paws own website in 2016 when I signed up was: "Due to the increasing cost of veterinary care, your rates will increase slightly each year." My premium increases were reasonable until last year. Last year my rate increase went from $155.53 to $346.24 (11 year old dog). I expect the next year's premium increase will be so much I will be forced to cancel. Of course at this point my pet has pre-existing conditions so another carrier will not be an option. They never even responded to my email inquiry about my rate increase. Look elsewhere! I so regret trusting this company with my best friend's health.
5

out of 5

POSTED: | BY: Stacy

They were fast and quick in processing…

They were fast and quick in processing my claims. All information is provided in explanation of benefits
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5

out of 5

POSTED: | BY: Patt

I'm so very happy with Healthy Paws!

I'm so very happy with Healthy Paws!! Very easy to make a claim and Customer Service is efficient friendly and helpful. I'm 100% satisfied with everything about Healthy Paws. I have been a Customer for over 7 years and have had to make numerous claims so I know what they're doing. Thank you Healthy Paws team!!
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1

out of 5

POSTED: | BY: Julie Hutchings

Surprise rate increases coming out of your account

Increasing rates by 90% to 100% percent on auto payment without notifying me. I can understand that as the pet ages they will be in need of more medical care which may lead to higher premiums. What I don't understand is how they can just pull money out of my account with out my permission. I'm sure they probably have something in the fine print but this is ridiculous.
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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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