Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,196

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. Learn more about Healthy Paws’ plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
1

out of 5

POSTED: | BY: Alex Canedo

Collected my monthly fee for over a year

Update based on their reply: They claimed "In situations where there is not a ton of medical history available, at minimum we will require the notes from the enrollment exam as outlined in your policy in order to process claims." I provided medical records dating back to 2017, with the most recent being 60 days prior to enrollment. TLDR; They use every technicality they can to deny claims. They've been collecting my monthly fee for over a year and apparently I didn't provide the medical documentation they needed at time of enrollment – despite them sending be a confirmation email that they received my medical records AND the policy is active. Which means that this entire time I'm enrolled with them, nothing I ever would have submitted would get covered. Additionally, they're claiming one item as pre-existing condition, referencing the very medical records (from 2018) that they just said they can't use for our latest issue. Literally the one time my pet has ever needed coverage and during a very emotional time where he was diagnosed with a terminal condition. These companies are absolutely horrific and I'm never buying pet insurance again. Save your money and put your monthly fees in a savings account for medical issues – it will do you more than these companies ever will.
5

out of 5

POSTED: | BY: Charlie

Healthy Paws is great

Healthy Paws was recommended to me back before I got my German Shepherd and wow I am so glad I took that advise. My guy has been through a lot and they have payed for majority of his most expensive surgeries (mostly dental) and even some stuff with regular vet check-ups which isn't typically covered with a lot of insurance companies. I would highly recommend them to any pet owner!
5

out of 5

POSTED: | BY: Rachel Smith

Great pet insurance

We've had Healthy Paws pet insurance since our goldendoodle was two and through a broken leg, a lipoma that needed removing, and surgery for cancer, we've never had any issues with payment on a claim. Having reliable pet insurance has made it possible to give our dog the care we want to give him. Very very grateful.
5

out of 5

POSTED: | BY: Kate Castle

A Lifesaver for Our Beloved Ripley

We’ve been fortunate to have Healthy Paws as partners in our dog Ripley’s life since he was a puppy—over 12 years now—and we truly can’t say enough good things about them. From the small bumps and scrapes along the way to the big, scary stuff—like Ripley’s recent emergency surgery—they’ve been there every step. Ripley became very sick and needed a 7-day ICU stay along with the removal of his gallbladder and spleen. We knew it would be a costly procedure, but because we had Healthy Paws, we were able to focus on what really mattered: making the best decision for Ripley's health without the added stress of wondering how we’d pay for it. Not only was the claims process incredibly fast and straightforward, but what really blew us away was the personal touch. They followed up with heartfelt emails checking in on Ripley and even sent sweet well wishes and “belly rubs” from afar. That kind of care goes far beyond what you'd expect from an insurance company. In a world full of pet insurance options, Healthy Paws stands out as rare and exceptional. They make sure that when your pet is sick—the scariest, most vulnerable time—you don’t also have to worry about logistics, coverage, or delays. They handle all of that with compassion and speed. We are so grateful for everything they’ve done and continue to do. Healthy Paws doesn’t just support your pet’s health—they love them like their own.
5

out of 5

POSTED: | BY: Charles Huegi

Great Insurance

Healthy Paws was recommended to me back before I got my German Shepherd and wow I am so glad I took that advise. My guy has been through a lot and they have payed for majority of his most expensive surgeries (mostly dental) and even some stuff with regular vet check-ups which isn't typically covered with a lot of insurance companies. I would highly recommend them to any pet owner!

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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