Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,212

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 Official Pet Insurance of PetSmart 24/7 virtual vet care: Through Airvet — the nation’s leading veterinary telehealth app Fast claims: Most claims are processed within 2 days Coverage options with no payout limits & 90% reimbursement
1

out of 5

POSTED: | BY: Bill Timpano

Stall tactics, delays and a major pain. The worst

Save your money. You get what you pay for, which is nothing. Their exclusions to what they DONT pay is extensive. When you file a claim, they will ask for the vet invoice over and over. they will continually ask for the COMPLETE medical records for every claim. So if your dog has a follow up visit a week later, be prepared to send the COMPLETE medical records again! They will stall and make filing a claim as difficult as possible until you throw your hands up in disgust. I canceled and switch to Metlife. Although they limit the yearly benefit, at least they pay for the exam, meds and preventive care. We'll see how they do. I'm not sure how all these web sites list Healthy Paws as a top company. There has to be some under the table payment because they are the pits.
5

out of 5

POSTED: | BY: Tony

Always the Best

Max has been insured by Healthy Paws since he was 8 weeks old and we’ve never questioned our choice of insurers. This claim is for a limp that has persisted for months. Although the problem is still being diagnosed, Max has seen four vets and is seeing another today. Hp has paid thousands of dollars for these procedures to date while we have paid hundreds. They have reached out to me to voice their continued commitment to solving the issue and support for whatever claims that will ensue. We only have to be concerned about Max’s welfare and not about extreme financial decisions.
5

out of 5

POSTED: | BY: Monica Elliott

Great company

Healthy Paws has made our dog’s ACL injury a much easier experience. It was very easy to file claims for her X-rays and extensive surgery. And we were reimbursed in a matter of days. They even followed up with us to find out how our lab was doing post surgery. A great company that actually cares about their clients!
5

out of 5

POSTED: | BY: Monica

ACL Surgery

Healthy Paws has proven to be a great company to insure our dog. Her torn ACL required X-rays and a very expensive surgery. Healthy Paws makes it very easy to submit a claim and reimbursed us quickly. They even followed up with us to see how our dog was doing post surgery. A great company that actually cares about their clients!
2

out of 5

POSTED: | BY: Amy Stokes

Still Waiting on a Claim from June 2022 (9 months later)

I submitted a claim in June 2022. They kept asking for my dog's medical history over and over. Finally, in October, a representative said they finally had everything and the claim would process. It is now March 2023 and I'M STILL WAITING!!! There's no direct number for the corporate office so I cancelled the insurance. I'll go with a competitor. HORRIBLE EXPERIENCE - PURCHASE AT YOUR OWN RISK.

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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