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: Katherine Arnold

Best Pet Insurance!

I have had Healthy Paws for about 6 years. I have 2 goldendoodles. Every time I have had a claim, large or small, they review and pay it out within days. No hassles. No denials. My youngest pup ate a toy a couple of weeks ago and had to have it removed at the ER. Final bill was around $4k, and I was reimbursed 90% of that (less my deductible) within about 5 days. I can’t say enough good things about them. Get when your pup is young, though. Made the mistake of waiting until my 2nd pup was almost a year old, and because he has already had an ear infection, any subsequent ear/skin infections are considered pre-existing and aren’t covered. Worth it to get them enrolled early.
5

out of 5

POSTED: | BY: Madeleine Jacot-Carter

Healthy Paws is the BEST

Healthy Paws is the BEST! Our beloved Frenchie has had a range of issues and if she did not have this coverage, I would be broke! She had surgery last week and the claim has already been resolved. Healthy Paws responds to my claims so quickly and frequently sends my reimbursements within a week! Their team is also kind and responsive. I highly recommend! I have a new baby and have enrolled her too!
5

out of 5

POSTED: | BY: Madeleine Jacot-Carter

Healthy Paws is the BEST

Healthy Paws is the BEST! Our Frenchie has been high maintenance and if it weren't for her wonderful coverage, I would be BROKE! The customer service is always awesome, they respond to claims and send reimbursement checks quickly (sometimes within a week) ! I highly recommend!!! I wish MY health insurance was as good! My new baby is now enrolled as well.
5

out of 5

POSTED: | BY: Madeleine Jacot-Carter

Healthy Paws is the BEST

I was a new pet owner when I enrolled our beloved French Bulldog in Healthy Paws pet insurance. Over the past few years, she has experienced some health problems. If it had not been for Healthy Paws, I would be BROKE! Every claim is answered immediately and the payment is received sometimes within a week. She had a pricey (and scary) surgery last week and Healthy Paws has already responded to the claim and I anticipate reimbursement any day. In addition, the Healthy Paws team is always responsive, friendly and kind. I have a new baby (an Australian shepherd) and have enrolled her in Healthy Paws as well.
1

out of 5

POSTED: | BY: EB

Worse policy for emergencies

FOOTNOTE: Their response is below but I want others to learn from my mistake - ANY EXAM is NOT covered. Keep clear of Healthy Paws or pay dearly. "(E)xclusions are pre-existing conditions, preventative/routine care and the office visit fee (vet exam, emergency exam, recheck or consultation)." This is the worse policy for emergencies! Buyer beware! I had to take my dog to an ophthalmologist because the emergency rooms were too busy and she was able to work him in since his eye was bleeding. The exam was $499 which includes staining and of course diagnosing it. Healthy Paws reimburse me $60 because they said they do not cover emergency exams. I asked how does a veterinarian diagnose if they can't examine the animal and they had no answer for it it just simply isn't covered. So I canceled it. Shame on them for not covering emergency exams!

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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