Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,404

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
5

out of 5

POSTED: | BY: Susan

Healthy Paws Has Been There for Us Every Time!

We signed up our dogs with Healthy Paws when they were puppies. One is now 8 1/2 years old and the other is almost 7 1/2 years old. We've had a few big veterinary expenses through the years--all mostly covered by Healthy Paws. Our rates have steadily increased over time and we came close to dropping the insurance late last year when my partner became unemployed. I am so glad we didn't! I took our younger dog to the ER on New Year's Eve, where he ended up (after lots of diagnostic imaging and lab tests) having a splenectomy. As you can imagine, the bill was huge. Since then, our dog has needed various follow-up exams and lab tests. All in all, we have racked up well over $10,000 in vet bills. Every claim I've submitted has been processed promptly, and Healthy Paws even reached out to see how our dog was doing. If we had not had the insurance, we would have a major credit card debt burden after all this. It's like any insurance--it seems like a waste of money until you need it. Now it's been a lifesaver for us. Also, if you've ever been in the position of having to say no to life saving/critical care for a beloved pet because you couldn't afford it, Healthy Paws can make that care possible. The only downside is that you do have to pay the charges up front and subsequently get reimbursed. I think most pet insurance companies work that way. There is a process available for getting advance approval for them to pay the veterinarian directly, but that doesn't help in an emergency or if the vet isn't willing to do that. Long story short, I highly recommend Healthy Paws!
5

out of 5

POSTED: | BY: K and J

Best pet insurance: Healthy Paws!

Healthy Paws is an excellent insurance for your pet! They have resolved all my dog’s health claims in a timely manner. My dog, Max, recently became very ill with pneumonia and the bills exceeded $15,000 and Healthy Paws paid the claims promptly and completely. Their customer service is excellent and all the representatives are very professional and knowledgeable. I recommend Healthy Paws 100%!
5

out of 5

POSTED: | BY: Pat

Healthy Paws Review

I have had several claims with Healthy Paws, and they responded to each claim very promptly. Once the claim was approved, I received my check within days. I am so thankful for Healthy Paws because it has allowed me to give my pet the best care possible. I am so thankful for the love and care that they give to pets that need medical treatment. I highly recommend Healthy Paws.
5

out of 5

POSTED: | BY: Hilary Davis

I wish human health insurance was this easy!

When we adopted our sweet pup Layla two years ago, we never would have predicted that we would use it so much! Heartworm treatment, an ultrasound for a heart murmur, and an emergency surgery to remove a swallowed toy were all covered by our policy. Uploading the receipts and submitting the claims was a streamlined process, and their website is very user-friendly. In the midst of stressful situations with our pup, we were SO relieved knowing we had Healthy Paws. We could focus on Layla and not on the financial aspects of her treatment. We signed up for Healthy Paws on the recommendation of friends who had a good experience with it, and now we encourage every pet parent we know to get Healthy Paws as well! Thanks!
5

out of 5

POSTED: | BY: Hilary

I wish human health insurance was this easy!

When we adopted our sweet Layla two years ago, we never would have predicted that we would use it so much! Heartworm treatment, an ultrasound for a heart murmur, and an emergency surgery to remove a swallowed toy were all covered by our policy. Uploading the receipts and submitting the claims was a streamlined process on their user-friendly website. In the midst of stressful situations with our pup, we were SO relieved knowing we had Healthy Paws. We could focus on Layla and not on the financial aspects of her treatment. We recommend HP to all the pet parents we know!

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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