Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,174

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: Hayley

Hi love Healthy Paws

Hi love Healthy Paws! And I think the coverage is fair! The ONLY note I would have is I would love if Healthy Paws looked into covering herbal/holistic treatments!
5

out of 5

POSTED: | BY: Adrian Allen

Worth it.

After paying for years and never filing a claim and wondering if it was even worth it, I just had a huge claim out of nowhere, and Healthy Paws paid without a fuss. It was a huge relief not to have to argue with an agent or fight over line items (let alone be on the hook for the whole bill, which was...daunting).
5

out of 5

POSTED: | BY: Carol Christ

Healthy Paws is an amazing company!

Healthy Paws is an amazing company. Every claim I submit is handled within 2 days, and every explanation (EOB) is clear and accurate. Unfortunately, my pets have had some pretty severe illnesses, and nothing is ever questioned. They are very fair, and I cannot imagine making care decisions without Healthy Paws.
1

out of 5

POSTED: | BY: Michael Jacobs Goard

Watch your premiums

I was a policy holder for 8 years. Last June they more than doubled my premiums without notifying me or asking for my approval. Since they do not send any monthly statement, I did not notice until several months later, but they refused to reimburse the difference. They could not even give me a good explanation for why my premiums went up so much since my pets are healthy and I had never filed a claim. If you get insurance from them, make sure to keep a sharp eye on your premiums and know they can suddenly spike without any approval from the policy holder.

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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