Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,036

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
1

out of 5

POSTED: | BY: Deborah Lira

Misleading deductibles

When you start running the numbers, you will realize that you were paying far m ore than 20% deductible. Great example ER visit 437. They do not cover the ER charge which was 195. Which means my actual deductible was almost 50%, not 20%. They do not cover vet fees or ER fees. This is a workaround to not actually tell you exactly what they charge as a deductible. It's a dishonest practice. And I would stay as far away from healthy paws as I could. Unfortunately I've had them for 4 years and my dog is seven. So going somewhere else is going to be costly but I truly dislike deceptive trade practice.
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5

out of 5

POSTED: | BY: Linda B

I’ve had Healthy Paws insurance 10…

I’ve had Healthy Paws insurance 10 years for my dogs. It has been extremely “user friendly” for filing claims (takes me just a couple minutes online), has never given me a claim judgment that was not fair, and has seamlessly covered even very expensive conditions such as autoimmune disease, chronic gastrointestinal problems, eye issues, injuries, and complex surgeries including multiple mass removals and biopsies, correction of a spinal ("corkscrew" tail joint) malformation, severe malocclusion improvement (Boston Terrier, need I say more?), and more. I've had other insurances in the past that presented constant frustration regarding claims, but Healthy Paws has made my dogs' health care so much easier and less expensive. As a senior, I daily appreciate that I can adopt dogs and not worry about future costly health issues affecting their care. Also, kudos to HP for promoting pet rescue and really meaning it!
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5

out of 5

POSTED: | BY: Judy Keith

Great Company. Love the website!

Filing a claim is simple and the web site is very "user friendly" with clear and easy-to-understand information. They processed the claim for our dog's knee surgery promptly and reimbursement followed soon after. They even followed up with an email to see how she was doing after her surgery!
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5

out of 5

POSTED: | BY: Vickie McCann

Healthy Paws TPLO Surgery Claim

Healthy Paws was prompt with the processing of my claim for my Yorkie's TPLO surgery. They also sent the refund check quickly and I had no problems with the claim at all.
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5

out of 5

VETERINARIAN: Nexus Veterinary Specialists

POSTED: | BY: Vickie

Claim for TPLO Surgery

Healthy Paws was prompt with the processing of my claim for my Yorkie's TPLO surgery. They also sent the refund check quickly and I had no problems with the claim at all.
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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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