Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,731

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: Kimber's dad

I have used Healthy Paws for several…

I have used Healthy Paws for several years now and I highly recomend them. Their claims process is quick and easy and had never had any issues or difficulties with them paying their portion of the claim.
5

out of 5

POSTED: | BY: Laura

Great Service

I submitted a claim, provided all necessary paperwork and and claim was handled and completed with a deposit in my account within 5 days. Whenever, I had contacted customer service they were Friendly and caring.
4

out of 5

POSTED: | BY: Guest User

It was a little hard to get everything…

It was a little hard to get everything submitted. I finally had to the vet to get all the records over. The customer service seemed a little bit confusing to me. They asked for medical records from when the time I had gotten my cat, which I thought I had submitted that when I signed up for the health insurance. But overall once I got everything submitted it seemed to go very smoothly and I was very happy to get my reimbursement and it seemed like it went very quickly after that
5

out of 5

POSTED: | BY: Flora Wilcox

Timely and accurate reimbursement

Timely and accurate reimbursement. Much appreciated!
2

out of 5

POSTED: | BY: Laura Gilmour

40% year over year premium increase

This company has continued to raise the premiums year over year with the latest increase of 40%. This 40% increase comes even with increasing the co-insurance and deductible on the policy (i.e., increasing the amount I need to pay for each claim). Loyalty does not seem to matter, as I have been a customer since 2018. I understand they *believe* they care about their customers, but with an annual revenue of at least $36.4 million dollars, it's clear they mostly care about making a profit from their customers' attachment to their pets. I would recommend going elsewhere and asking lots of questions before signing up with any pet insurance provider, as this was sold to me in 2018 as a service that would cover more and have very minimal premium increases as compared to their competitors. I am currently reviewing the Nerd Wallet comparisons to determine if there is a better match for my budget, my pets age, and the veterinary notes that could be considered "pre-existing conidiations" for other policies.

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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