Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,219

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
1

out of 5

POSTED: | BY: Lani Espinas

Insanely more than doubling my premium

I had a great experience w/ Healthy Paws and luckily I only had to file 1 claim and they paid it quickly. I got an email from them informing me of their absurd premium increase, more than double, which is absolutely insane. I saw there's a lawsuit against for the same reason. This is from them-" Current Monthly Premium: $68.00 • New Monthly Premium Starting in 63 Days: $155.25." I cancelled my policy and will be getting a more affordable plan elsewhere.
5

out of 5

POSTED: | BY: SheilaN

Always thankful for Healthy Paws!

Kelsey will be eleven this coming July and we enrolled in Healthy Paws immediately upon her adoption in 2015. We always feel that we can seek out the best treatment options for her because we have HP to help us make those decisions for her care. She has been through surgery for soft tissue sarcoma, multiple ultrasounds to follow a splenic concern, a very recent run in with a porcupine - ouch! and is having another surgery soon. We couldn't do what we do for her without Healthy Paws and we highly recommend them. Thank you Healthy Paws for helping us keep our girl healthy!
1

out of 5

POSTED: | BY: Lindsay Burgner

Avoid

Avoid! I've been with this company with two dogs for 7 and 8 years, dogs have been insured since about 4-6 months of age. No issues with small claims over the years, however premiums increase regularly, to the point where I had to cut back to high deductible (more emergency style coverage), verses low deductible in the past. Recently had dentals done on both dogs and the company is requesting essentially full medical records to process the claim "to see when the condition started". This seems a bit ridiculous given the dental are appropriate for age and the dogs have been insured through these fools pretty much their entire lives. I dread the idea of trying to fight these guys to get anything major covered as this has already been a huge hassle and really seems unnecessary for common age appropriate medical procedures. The kicker is their call center is somewhere in southwest Asia, I've called several times over the years and have found it near impossible to have a productive interaction. I stay with them due to preexisting medical conditions but am at the point of just cancelling because it feels like scam if they won't payout for valid claims. After the deductible it will be a few hundred dollars back to me - a big deal for me, probably not so much for them.
5

out of 5

POSTED: | BY: Sydney Himes

Happy Healthy Paws customer of 10 1/2 yrs …

Healthy Paws customer for 10 1/2 years and have filed LOTS of claims. Healthy Paws makes filing claims easy and reimbursement checks are issued quickly. Their app allows you to see where your claim is in the process and shows the explanation of benefits and payment. Last thing, customer service is quick to reply to emails and you can get a real person on the phone as well! Love the service and highly recommend.
1

out of 5

POSTED: | BY: Joseph Campos

Healthy paws increased my pet insurance…

Healthy paws increased my pet insurance by 212%. They would have charged me $7200 per year for coverage. They said they sent me notice, which I never saw! When I called to complain, they refuse to reimburse me one I noticed the increase. Their own customer supervisor, Jennifer, admitted that the increase was “outrageous.” Any pet owner who should know that healthy paws uses a “negative option” scheme, where the owner needs to directly cancel the policy. Healthy paws is a horrible and unconscionable company. Pet owners beware!

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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