Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,038

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: Rachel

Pet insurance saves lives!

Pet insurance saves lives! I hope you never need to use it, but Healthy Paws makes the claims process completely painless--you upload records and itemized bills, and they send you a reimbursement quickly. My adorable puppy endured two trips to the ER and will need surgery to recover from an unexpected birth defect. I'm not sure I could cover the cost alone, but with their help (and kind support, always asking how she's doing!), we can get through this.
5

out of 5

POSTED: | BY: Rachel

Pet Insurance Saves Lives!

Pet insurance saves lives! I hope you never need to use it, but Healthy Paws makes the claims process completely painless--you upload records and itemized bills, and they send you a reimbursement quickly. This adorable little girl endured two trips to the ER and will need surgery to recover from an unexpected birth defect. I'm not sure I could cover the cost alone, but with their help (and kind support, always asking how she's doing!), we can get through this.
5

out of 5

POSTED: | BY: Rachel Lubman

We love Healthy Paws!

Healthy Paws have been awesome from day one! They respond to and resolve my claims quickly, and after one of my girls' recent trip to the ER, even checked in to ask how she was doing and send their well wishes. Their customer service is top notch and their coverage has given me and my rambunctious fur-family peace of mind. We love Healthy Paws!
5

out of 5

POSTED: | BY: Rachel

We Love Healthy Paws!

Healthy Paws have been awesome from day one! They respond to and resolve my claims quickly, and after one of my girls' recent trip to the ER, even checked in to ask how she was doing and send their well wishes. Their customer service is top notch and their coverage has given me and my rambunctious fur-family peace of mind. We love Healthy Paws!
1

out of 5

POSTED: | BY: Chris

Claims process has gotten horrible

I used to love healthy paws but recently they've been horrible with claims processing. I used the app recently and a claim sat there with nothing being done for 8 days only showed submitted. The rep on the phone blamed the app so I submitted via email and it's now day 3 and nothing has been done with my claims. I'm only told they are sitting in a queue and will be handled eventually. Still not assigned to a claims adjuster. Absolutely ridiculous! I'm backlogged over $2000 in claims that I can't submit because they sit there and are done in order and as of now they aren't even processing the 2 I just submitted. Also the management team will now only email you and do not directly reply to your questions. Instead you get form responses. Multiple representatives and the manager that emailed me used the same exact phrasing (form response). The management team member never even directly answered the question I have so they don’t even edit the form letter response at all except to change your name and the management persons name. The quality of their company is definitely declining now. Go with a different company. Unfortunately because my dogs have chronic conditions I'm stuck with this company now.

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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