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
1

out of 5

POSTED: | BY: Al

Don't be deceived by the tons of fake…

Don't be deceived by the tons of fake "invited" reviews the company is producing in order to counter the very real and legitimate continuing trend of negative reviews. Healthy Paws has completely gone down the toilet and is utter garbage now. I had them for my previous dog over a decade, until she passed away a few years ago and they were very good. Took care of everything with only minor issues. So, when I got a new dog, I obtained a new policy with them without question. BIG mistake. Should have read the reviews on places like Reddit and here to see what a trash heap they have become. Healthy Paws of old is gone, and the new Healthy Paws is about massive policy increases and endless garbage BS excuses to not pay claims. Refused to pay my 4 digit medical bill for a procedure I approved because I was confident they would pay, but they refused. Communication is horrible, denials are just arbitrary, appeals non existent, phone support is off shored trash where they just read a script, customers regularly document insane premium increases of 100s of % from their starting point. Stay FAR away from this dumpster fire of a company and do not let them cheat and deceive you with their sudden flood of "positive" reviews they purchased with "invited" positive feedback.
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5

out of 5

POSTED: | BY: Helena Xenakis

Response time was unbelievable quick

Response time was unbelievable quick. Received reimbursement in two weeks. Highly recommend Healthy Paws Pet Insurance
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5

out of 5

POSTED: | BY: Jacqueline Neubrech

Healthy Paws is a life saver!!

Healthy Paws is a life saver!!! Without this insurance I would not have been able to afford her medical bills, I can’t thank you enough!!!
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2

out of 5

VETERINARIAN: Sage Veterinary Center

POSTED: | BY: Caroline Giegerich

Nearly 400% Rate Increase Since 2023 — Healthy Paws Is Exploiting Loyal Pet Parents

I’ve been with Healthy Paws for over 12 years, insuring my dog since she was a puppy. I used to recommend them to everyone. But now, I’m paying almost 400% more than I did in 2023 as my monthly premium has jumped from around $130 to over $510. Healthy Paws blames “rising veterinary costs,” yet veterinary inflation has been closer to 10–15%, nowhere near the massive hikes so many of us are facing. This isn’t an isolated case. I encourage you to scroll through forums or Reddit and you’ll see countless pet owners reporting the same thing. Once your pet ages, the rates explode, and switching insurers becomes impossible because pre-existing conditions are excluded. It feels like they’re banking on your love for your pet to keep you trapped. Pet parents deserve transparency and protection. These increases are predatory and unjustifiable. I’ve filed a complaint with the NJ Department of Banking & Insurance and contacted state leadership to push for regulation. I urge anyone reading this to think twice before signing up as the peace of mind you think you’re buying could turn into a financial nightmare later.
5

out of 5

POSTED: | BY: Karen Hanami

Thank you for asking about Buddy

Thank you for asking about Buddy. We had a very positive experience at UCDavis Oncology Clinic. Initially we went to get a second opinion, and a series of tests were done and sadly, resulted in finding a small mass on his heart. We will be returning for another visit at the end of the month and Buddy will be seen by a veterinary cardiologist. Our hope is that there is a treatment for him. We are very grateful that we have Healthy Paws. We do not have to worry about taking Buddy for the best veterinary care. Additionally, the claim for the visit and tests were quickly processed, which is greatly appreciated. We had several of our fur kids covered by Healthy Paws and we highly recommend your company for the coverage and care you provide. Again, thank you Healthy Paws and for your support, it is truly appreciated. Karen Hanami and Buddy
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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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