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: Rick Bryant

Everything you need from an insurer

We've had Healthy Paws for our Chocolate Labrador, Harvey, since we brought him home 6 years ago. Over those 6 yrs we've had to file several claims for Harvey, the latest of which was for TPLO (ACL) surgery. As you can imagine, this was a major expense and not only did Healthy Paws process the claim and issue the reimbursement in less than a week; they also sent a personal email to check up on how Harvey was doing. Filing a claim is as simple as uploading the invoice from the Vet. Couldn't be happier with the level of service from Healthy Paws.
5

out of 5

POSTED: | BY: Jenny

Covered Open Heart Surgery including Bypass

We have had Healthy Paws since 2018. We ABSOLUTELY LOVE HP's! We will never have any other insurance EVER! We took our Weimaraner puppy in for an X-ray for his front leg limp (puppies being puppies), and it showed his super enlarged heart in the X-ray. What ended up being a leg sprain, turned into much much worse and life-threatening. After a Cardiologist appt asap, Frank was dx with a rare congenital heart disease called, Tricuspid Valve Dysplasia, which dogs succumb usually by age 3 without intervention. We found out that Frank was a candidate for Open Heart Surgery at the only place in the World that performs TVD surgery, @ Colorado State University Veterinary Teaching Hospital. He had Open Heart Surgery on 7/31/19 at 17 months old, which included Cardiopulmonary Bypass by a Perfusionist from the human hospital. Frank will be 4 on 12/9/21. We chose the 90% coverage, not knowing of his heart issue and Healthy Paws Paid 90% of his surgery except for the exam costs. HIGHLY RECOMMEND! Super easy to submit claims and fast reimbursement. LOVE HP's!
1

out of 5

POSTED: | BY: jojo salvador

Denied Claims

My dog just got discharged from the animal hospital this Tuesday 08/31/21 and Healthy Paws denied all my insurance claims sighting a pre-existing condition.  He had ITP (6 years ago) and got IMHA a week ago.  Different disease as ITP destroys blood platelets and IMHA destroys Red Blood Cell.  It was not a pre-existing condition as my dog’s attending physicians said these are 2 completely different diseases.  Pre-existing if he had a relapse on ITP but the one he got is IMHA. This is not about money as i can spend twice the amount of money i am claiming. This is about integrity...
5

out of 5

POSTED: | BY: Phillip Biondello

This company is excellent

This company is excellent. Not just because they actually pay out on claims, but also they are efficient, thorough and very fast. We had the unfortunate experience of our dog coming down with some sort of virus and a also some kind of hard growth on her belly. She needed x-rays, ultrasound, bloodwork, stool tests, the whole gamut. Turned out it was just a Gastrointestinal infection and some fatty tissue build up which turned out to be harmless and she was OK after a few days with some medicine. You just don’t know any of this until after the visits, but those few visits to the emergency vet cost me over $2000 in the course of three visits over 8 days. I submitted a claim after each visit and it was promptly processed and reimbursed within a couple of days each time. I hope we don’t have to use our insurance very often, but it’s nice to know that if we do we have a reliable company now.
5

out of 5

POSTED: | BY: Julio Gonzalez

Amazing service, empathetic staff

So my two-year-old cat had to be rushed to emergency vet/hospital four a urinary blockage that he had. Immediately after he received his care I received invoices and submitted them I was quickly received with a call asking how stash was and to ask me a couple other questions. This was a bill over $3800 so I was a little concerned with the phones and healthy paws helped escalate and deliver this claim process within 7 days. I definitely recommend using healthy paws as they were great efficient professional and empathetic.

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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