Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,403

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: Matthew

Total Scam

Sent in a Claim with all the SOAP NOTES and Receipts from Vet and they Claim everything was Blurry and they could not read Charges or Dates of Service. So I Wrote down the Dates and Charges showing a Breakdown of everything and they Claim once you file a Claim and if they do not receive the correct paperwork in a Timely Manner the Claim will be Denied. As I said All SOAP NOTES AND RECEIPTS WERE sent as well as a Handwritten Breakdown of all SERVICES RENDERED for my puppy and I Kept getting a Response that Everything was Blurry. Total Scam.And after this First Experience I Canceled their Service.
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1

out of 5

POSTED: | BY: Lisa

One claim, premiums increased

We submitted one claim through healthy pet insurance earlier this year. Once the claim was resolved, which they did pay, they increased our rates by about 40%. Now, three months later I get our renewal with another substantial increase. From prior to the claim to now, the premium has almost doubled. I disputed this with customer service and was ghosted. There are lots of other better pet health insurance policies out there.
1 comments

POSTED: | BY: The Healthy Paws Team

Regarding the premium increase you mentioned our customer care team explained via emails that your pet was enrolled as a certain breed. Though we rely on the information provided by anyone enrolling a pet, we understand mistakes may be made. During a routine audit of your pet's medical records, a breed correction was made. To ensure accuracy and compliance with insurance regulations, we needed to update the premium. Charging premiums based on accurate pet details allows us to provide our features and benefits with no annual or lifetime caps. The second increase was an annual premium adjustment that takes place on your policy anniversary date. Your premiums are calculated on a state-by-state basis in accordance with filings that have been approved by state insurance regulators. In each state, premiums are affected by multiple factors including age, breed, sex, zip code, and the particular combination of reimbursement and deductible on a plan.

5

out of 5

POSTED: | BY: Melissa

Healthy Paws Saved Bennet's Life

Our policy with Healthy Paws enabled us to provide a life saving surgery for our fur baby Bennet. Words can't express how grateful we are to Healthy Paws and their fantastic team for keeping him with us for many years to come! Claims are easy to file and paid quickly via direct deposit for covered illness and injury care including testing costs and medications. Bennet is our second covered fur baby to be covered by Healthy Paws and I recommend this to everyone I know who welcomes a pet into their home.
5

out of 5

POSTED: | BY: Emily Greene

Worth the Investment!!

We have been customers since our two fur babies were puppies (about 9 years now). While we didn't use Healthy Paws much when they were little, they have proven to be an invaluable partner in their golden years. One of our girls recently had to have major surgery and developed a heart issue. Having Healthy Paws made it so that we didn't have to choose between our pup's health and a major bill we couldn't afford. They are very transparent with their policies, which made it easy to understand what would be covered for reimbursement and are very quick to review and fulfill claims. Their customer service team is very responsive and even took the time to send a "Get well soon" message after we filed our recent claim for the surgery costs. Little things like that are huge and pretty much unheard of when dealing with an insurance company. We can't recommend Healthy Paws enough.
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5

out of 5

POSTED: | BY: Melisa C P

Only Healthy Paws for Figs!

I've had Healthy Paws for my cat Figgy since 2017. Before I adopted her, I researched various options and felt healthy paws was the easiest for me to understand and communicated with online. They've helped with unexpected pet bills and in the five years with them my monthly rate has only increased by $10. Healthy Paws is amazing!
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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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