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: Michael Tobin

Unbelievable Coverage & Quick Reimbursement

Our French Bulldog Fletcher just had a second back surgery and Healthy Paws came through for Us when we really it. Reimbursement 3 business days after filing the claim. We have 90% coverage which was well the deductible during this difficult time for Fletcher.
5

out of 5

POSTED: | BY: Gia Popa

Best pet insurance in my opinion

We signed up for pet insurance with Healthy Paws in 2013. They have been wonderful all this time. They process the claims super quickly and the money are directed deposit in my bank. I just had 3 recent claims of 7,500 and they paid 90% of it. For my previous dog, they paid probably $20,000+ in her lifespan. It gives me peace of mind to know that my dog is protected.
5

out of 5

POSTED: | BY: Deborah Benson

Fantastic insurance

My dog had emergency surgery at an after hour’s emergency vet. It was very expensive but I didn’t hesitate because I knew I could rely on my Healthy Paws insurance. I submitted the claim and was reimbursed in 4 days for everything except the exam fee (which I know is not covered). What a relief!
2

out of 5

POSTED: | BY: Unhappy Customer

Claim Review Time is Excessive - Don't Recommend

I've had a lot of difficulty getting my pet's Emergency Visit reimbursed and it's been over 30 days. It took 30 days for a claim representative to finish reviewing the claim and, when I called, the customer service representative wouldn't give me a timeline and wasn't helpful; I asked to speak to a claims representative at the end of the call and she said they don't have direct extensions. Healthy Paws was highly recommended by local pet owners, but I'm starting to regret choosing this as my pet insurance. It was really scary experience going to the Emergency Vet.
1

out of 5

POSTED: | BY: Lyrie

DO NOT RECOMMEND

Highly do NOT recommend this pet insurance. Takes forever to process a claim because they keep asking for medical records even though they were already submitted. I've emailed several times that those were the full medical records, but they keep asking for more like labs and xrays. My dogs never needed those tests nor had them performed, yet they are still asking for them. My dogs also received vaccines from Seeaca and Humane Society. They still want those records from the time before joining. I called and the representative still asked for them. They do not even offer wellness plans, so I do not understand why they needed those vaccine records. I highly, HIGHLY DO NOT recommend Healthy Paws.

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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