Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,775

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: Bridget O'Lavin

Healthy Paws made submitting and…

Healthy Paws made submitting and processing my pet's health claims very fast, easy, and positive. I was very relieved to have their coverage to offset my kitty's vet tests & treatments so that she could get the very best care to keep her as healthy and happy as possible!
5

out of 5

POSTED: | BY: Bridget O'Lavin

Healthy Paws - very positive experience!

Healthy Paws made submitting and processing my pet's health claims very fast, easy, and positive. I was very relieved to have their substantial coverage/reimbursement to help offset my kitty's vet tests & treatments so that she could get the very best care to keep my very cherished little lady as healthy and happy as possible!
5

out of 5

POSTED: | BY: AmyW

Reliable and easy to work with

Our otherwise healthy kitty had a big medical emergency requiring expensive surgery. Healthy Paws made it easy to file the claims and we received reimbursement checks quickly and without issue. I'm so glad we had insurance!
1

out of 5

POSTED: | BY: Vicki Pechar-Babcock

Buyer beware when you need claim reimbursed

My healthy dog on this insurance with no issues since 2019. He got a benign tumor that had to be removed in September. Still not reimbursed correctly for coverage n filing appeals. Going to better business bureau next. Canceled insurance for him n my Maltese pup.
1

out of 5

POSTED: | BY: Anthony Capobianco

Scam Company

Healthy Paws is a scam company. I signed up well over a year ago. I uploaded all the medical paperwork I had at the time for both my cats. I had just brought both to the vet right before I signed up, so it was nice and easy since both had recent checkups. Flash forward to now. I have had an open claim for a month for a sick cat. She still needs more work, but I can't even get them to approve the first work. They keep telling me they have to deny the claim due to insufficient vet records. They've called the wrong vet twice now, and mine once. They have all the records. Every time I call the rep tells me "we have all the paperwork we need, if the cat has only been to the vet once, right after adoption, then that's all we need" yet every time the claim gets declined. I call back and the rep says "No we have all the paperwork, the adjusters are just like this", they re-open it, then we repeats this song and dance. The goal of this company is to collect your premium monthly (which they keep hiking), then keep you running and decline your claim to avoid payouts.

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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