Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,767

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: AR

Quick and transparent

We have been healthy paws for almost 4 years. Every claim has been processed swiftly.
5

out of 5

POSTED: | BY: Christine C

Pablo has had Healthy Paws insurance…

Pablo has had Healthy Paws insurance since he was 5 months old. I have never had an issue from communications to claim process everything has gone so easily! I would recommend Healthy Paws 100%!!!
5

out of 5

POSTED: | BY: Ashwini R

Ms

The entire experience with healthy paws is great. They are transparent and swift with claims.
5

out of 5

POSTED: | BY: Christine Colbert

LOVE! Healthy Paws!!!

Would recommend 100% Healthy Paws. My chocolate lab Pablo has been a client of Healthy Paws since he was 5 months old. I cannot say how easy the claims, communications has been with them. They go above and beyond for their pets. Pablo has had 2 major surgeries in the past 4 months from beginning to the final surgery all communication has been great, claims from start to finish easy no issues. They even checked on Pablo after his surgeries.
1

out of 5

POSTED: | BY: Sarah McCann

Worst Customer Service & Ridiculous Premium Increases

I have been a customer of Healthy Paws Pet Insurance since 2016, that's over 6 years. I spend a ton of money with them. For the first 4 years, I was pretty happy with the amount I paid and the reimbursements, but last year, they raised the price a ridiculous amount, $174.80 per month!!!!! I still paid it since my dogs are older (10 and 15) and needed the coverage and I was under the impression this was a one time increase. At the beginning of this month, I noticed that my bill had been increased another $91.07 per month bringing my monthly bill to over $400 per month! I called on 2/3 when my new bill came out on 1/31 (only 3 days prior) and asked about why the increase happened. I was told that it was due to my bills I was submitting which makes no sense. Insurance is here to protect us from when things happen. This is why every year I paid it year after year, not to just increase it to absorb the bills. I ended up lowering my coverage and increasing my deductible to lower my monthly payment. I simply asked that they make my request (3 days late) to be retroactive for the month of February and I was told no. I asked to speak to a supervisor and the woman on the phone, clearly reading from a script, just said there's nothing she can do. I submitted a complaint online that day. Finally, today, 17 days later, I was called by a woman saying that she heard I needed to talk to a supervisor. When I told her everything and asked just to make my changes retroactive for 3 days, it was the same "no" story over and over again. This was the worst customer service I have ever experienced! I would not suggest Healthy Paws to anyone!

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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