Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,740

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: Sandra

Healthy Paws are terrific!

Healthy Paws processed our claim in ONE day!! And they have great customer service. They are great and we thank you. We are so happy with Healthy Paws that I have recommended to a friend who switched to you and happily so!
5

out of 5

POSTED: | BY: Amber

Excellent Customer Service

Healthy Paws is absolutely the best! Their customer service is better than any company I've worked with. It's not easy seeing your dog go through issues, not being able to figure out the problem. They respond to claims extremely quickly and they truly care about your pet. I would recommend them 100%.
5

out of 5

POSTED: | BY: phyllis schroeder

I'm so happy that I took the time to take out heal

I feel relieved to know that my dog is insured; one never knows what will happen that will require a vet. I didn't know her past history as she's a stray that I adopted. My claim was promptly reviewed and settled.
5

out of 5

POSTED: | BY: Paula Perez

Reimbursement Received before Credit Card Charged!

Healthy Paws has been absolutely wonderful! We only started our policy for our 8 year old bichon mix a couple months ago, and he started acting lame around Christmas time. I took him to the vet and he had an exam and xrays which showed a knee problem. We were referred to a specialist and we submitted our first claim for the xrays and pain meds. After receiving our dog's full medical history and reviewing it for 10 business days as was stated online, Healthy Paws approved the payment of a reimbursement, after our $250 deductible. Next, the specialist confirmed that our dog had an ACL tear and needed surgery. I called Healthy Paws and they assured me that the surgery would be covered. When the surgery was performed last week, we paid the bill and the vet faxed in the claim form. We received the reimbursement check for over $2500 TWO DAYS after the claim was submitted: even before the credit card was charged for the surgery! I am amazed by the promptness and caring demonstrated by this company, and I am telling all my friends about them!
1

out of 5

POSTED: | BY: Frustrated

Unhappy

I worked so hard researching insurance companies, it came down to healthy paws and another similar one. My tip for you, 15 day waiting period, actually means 16 - one day to process the sign up, then 12:01 the next day + 15 days wait period...I did not see this clearly stated anywhere that I could fine, however they tell me it is (I signed up on web not on phone). So when I made an appointment for my puppy's vaccine I did the calculation 2 weeks + 1 day. There was nothing wrong, just a well visit, so might as well walk into the vet during coverage period rather than uninsured. Well unfortunately it was major, my poor pup had a severe reaction and needed emergency medical care of $200 (thank goodness he is fine), I was grateful I had waited the 15 days. After submitting the claim I was told how the first day sign up does not count and it actually began the following day and I am not covered. I think the part that annoys me most though...they had no problem billing me on sign up day and no problem billing me that day each month, but yet it doesn't count toward the wait period. I am sure they will cover things in the future, but just be better informed than I was, it could save you a bit of money.

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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