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
Thank you for not immediately cancelling Lottie's pet insurance after my card declined. Thanks for mailing me a letter that gave me AMPLE notice to change my form of payment. Hopefully you won't have any problems with my #CITIBANK MasterCard. Thanks, forever. <3 Love, #LottieandGiGi
My dog was diagnosed with a large mass attached to his kidney. There was a high probability that it was cancer but, even if it wasn't, the danger to him was grave if the mass burst, as it would fill his abdomen with blood. We opted to do surgery right away which would include removing the kidney. The estimate for this surgery was very high. As such, I decided to look back for all the vet bills that I hadn't filed an insurance claim for, during the current policy period, and frantically started sending them in just hoping they would cover enough to satisfy our deductible. There were 20 submissions, and the speed at which they reviewed, approved, or denied them, was record time! They approved many and denied very little. Not only did we meet our deductible, we blew by it, and they direct deposited funds to my bank account within a few days. I was so happy and very surprised! Given my experience with a different pet insurance company years ago, I anticipated much less. Needless to say, I was impressed, but not half as much as I would be. After my dog's surgery, I submitted the very large claim immediately. It was long and detailed, as he'd spent 3 nights and 4 days in the hospital. I was hoping that, whatever Healthy Paws was going to cover, they would review the claim quickly enough to put money in my account before the credit card bill arrived. I was shocked when I received notice in only 3 days that they had completed the claim and deposited the funds into my account. Not only did they do it in lightning speed, but they covered every single item on the claim. Now I was extremely impressed! I didn't think Healthy Paws could do anything more to confirm what a great company they are, but then came a personal email asking how my dog's recovery was going. They asked me to write them back and share with them his progress. That was a really nice touch. Healthy Paws Pet Insurance is hands down the best, and I highly recommend them. They have treated me fairly, honestly, and compassionately. And...btw...the mass turned out to be benign, and Heathy Paws Celebrated that great news with me, too.
Healthy Paws is GREAT. I was skeptical about pet policies, expecting some of the same issues that exist with human insurance, but nothing could be further from the truth. They have great customer service and lightning fast claim processing made simple with the ability to upload invoices. I use direct deposit reimbursement and have had my claims processed in less than 48 hours. I only wish I'd known about Healthy Paws for my older dog.
Healthy Paws has been fabulous to work with. Lightning fast processing claim processing and great customer service. I only wish I'd known about Healthy Paws for my other pets. I can't recommend them enough.
2
out of 5
POSTED:
| BY: Marina
Adjustable rate insurance priced me out
I insured my two cats in 2017 at $61.64. In the life of my policy, I filed 1 claim and was paid out when one cat was put down in 2019. The claim process was quick and easy, and the payout was within 2 weeks. I have not tested this process since then. My other cat has a history of allergies that was never covered and takes prescription cat food for kidney stones. My issue is with annual price increases. The premium for my remaing cat has increased from $33.76 in 2017 to $64.35 in 2020, $96.52 in 2021 and $362.23 in 2022. She is a bengal and 16 years old but more than tripling the premium has forced me to cancel the policy. I have since adopted other pets and gone with other insurance companies that were referred by my veterinarian and other pet owners with years of experience with other insurers and older pets.
$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.
