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
They raised my rates more than double. From $66 to $143. I haven’t even needed to use them very much at all. I’m just appalled!!! 👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻
Great Reimbursement Process and Speed, a couple pain points...
Soon after I got my dog 5 years ago, I decided to go looking for a health insurance company for her. Not wanting to get hit with big vet bills if something happens was an important thought for me.
Back then there were less reviews, but based on what I found, I decided to go with Healthy Paws for the following reasons:
- My dog was young and the wait period was only 7 days after initial vet exam
- No pre-existing conditions that I would have needed to get covered (as far as I know they are hard if not impossible to get covered)
- Comparing prices they were cheaper than others
- I didn't need routine vet care coverage
Over the last nearly 6 years my dog, unfortunately, needed medication and vet attention on numerous occasions and had multiple surgeries, not even talking about a full check up from an animal oncologist. The most recent surgery being a CBLO repair for her cruciate ligament in her back leg.
After the initial claim, reimbursement claims are usually approved within 24 hours! I never had an issue with getting anything not covered that I expected to be covered.
I get follow up emails from Healthy Paws as well asking how my dog is doing and if she is recovering well. This happened not only once but with every bigger claim I have filed.
Now, why only 4 stars? Things to keep in mind:
- The exam fees are not covered, only medication, treatments/surgeries, rehabilitation. If you have ever taken your dog to a specialty vet, the exam fee doubles or triples to what a regular vet charges. It would be great if specialty exams would be covered, at least for the amount above the regular vet exam fee.
- Premiums are getting higher and higher. This is also not a surprise, but unfortunately, because of the above mentioned 'no coverage of pre-existing' for most all pet insurances, just switching to a cheaper provider after price comparison is not really an option. So what we would do with car or home insurance, we can't do with pet insurance. The selection of a pet health insurance seems to be for the life time of the pet because of this. In more than 50% of cases, when one knee needed a surgery because of the cruciate ligament, the other knee will give out too because of over use. Cancelling or switching insurance would mean that that injury would not be covered at all. Again even with rising premiums they keep them just low enough so it makes sense to keep the peace of mind.
- Premiums are depending on your location! Now, I get if you move out of state or from rural to metro, but I moved a town over and my premium per month was $10 higher. Moved 5 mils east (and actually closer to a more metro area, but same population density as before) and my premium went down $15 a month again. I get this for a car insurance, but for a pet health insurance? Seems weird to me.
Again, even though there are some pain points, I would chose Healthy Paws again as my dog's healthcare insurance for my next dog. The promptness in payment, in answering any and all questions and care of the employees are the factors that count for me.
Healthy Paws is the Best Pet Insurance With Lots of Plan Options
Healthy Paws has taken phenomenal care for two of my golden retrievers. Recently my four year old golden tangled with a porcupine which lead to quills puncturing her lungs. The surgery was extensive and I would have struggled to afford it without Healthy Paws. Payment was prompt, email notifications were prompt, and most important when I had a question the person I worked with was kind, thorough, and got the job done immediately. Meanwhile my girl has recovered and lives another day. Thank you Healthy Paws!
Healthy Paws has taken phenomenal care for two of my golden retrievers. Recently my four year old golden tangled with a porcupine which lead to quills puncturing her lungs. The surgery was extensive and I would have struggled to afford it without Healthy Paws. Payment was prompt, email notifications were prompt, and most important when I had a question the person I worked with was kind, thorough, and got the job done immediately. Meanwhile my girl has recovered and lives another day. Thank you Healthy Paws!
$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.
