Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,767

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: Banksy and Sydnee

So thankful for Healthy Paws

So thankful for Healthy Paws! My plan ensures my pup always has access to the best care. The reps at Healthy Paws are always so helpful, kind, and the claim reimbursement process is easy and efficient. Highly recommend Healthy Paws for coverage you can count on!
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1

out of 5

POSTED: | BY: Robert Y

Scam: They raise insurance SUBSTANTIALLY as the dog ages to kick older dogs off of plans

Healthy Paws is a flat out scam, which is why there are multiple class action lawsuits against them. Since joining, my rates have doubled despite no pre-existing conditions, few claims, and promises that rates will remain constant. The company raises rates SUBSTANTIALLY as your pet ages, making it astronomically expensive after ~4 years. This is a scheme to kick older animals off of plans, right when they actually need insurance. While your pet is young, Healthy Paws will seem great. The app is easy to use and customer service is friendly. However, they DO NOT follow their own terms of service and WILL raise your rates precisely when you actually need to use the insurance. DO NOT USE HEALTHY PAWS.
1

out of 5

POSTED: | BY: Amy Boyd

Awful & unethical company

This is a terrible, horribly unethical company. They will accept your pet for pet insurance, you will diligently pay your dues, and once you submit a claim- suddenly they will require additional historical information from your previous vets, that may or may not respond with the appropriate Drs notes, and your claim will then be denied. So, in my case, I have spent upwards of $1800 over two years - for nothing. I highly encourage those to look elsewhere for pet insurance, so you are not stuck in my situation.
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5

out of 5

POSTED: | BY: Emma Khalil

Excellent

I have healthy paws for both my dog and cat. I had to use it for both this last month. It’s been very fast and easy. I upload the receipt to the app, tell my vet to send them the chart and just a week or so later I have the check in the mail!
1

out of 5

POSTED: | BY: Joel Beder

Won't cover anything that implies wellness

I've been a Healthy Paws customer for many years. Customer service is good and claims process is easy. Unfortunately they will not cover anything that might be implied to be for your dog's wellness or preventative care. It makes no sense; I assume that they would rather cover expensive life-threatening issues than cover preventative treatments. I advise people to choose a different company.
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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 detail
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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