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
5

out of 5

POSTED: | BY: Miwa Yoshihara

Recommendation

Maia, our 1 year old puppy, had to be taken to see an emergency vet due to some stomach issues. Fortunately, after blood tests and x-rays, it was determined that Maia's heath issues were not serious. I filed a claim to Healthy Paws and it was processed within 1 to 2 days. Since meeting the deductible, I received a check within 10 days for reimbursement for the claim. The claim process was very easy to complete and the response time was incredibly fast. Maia is back to her energetic self and I feel at ease knowing that I have pet insurance that I can rely on.
5

out of 5

POSTED: | BY: Carol Phillips

Very pleased with "Health Paws!"

Our one-year-old kitty was taken suddenly ill recently with repeated bouts of vomiting, and loss of energy. We took him to our local vet. They x-rayed him, gave him IV fluids and medication and kept him overnight. By the next day he was thankfully feeling much better. We took him home and he was quickly back to his former self. We notified Healthy Paws, sent in the vet's notes, and quickly received a response that they would cover 80% of the bill, minus a small copay. Sure enough, a few days later we received a check in the mail. A few days after that, they even called to enquire as to how he was doing! We couldn't be happier with this insurance company. Worth every penny! Thanks!
5

out of 5

POSTED: | BY: John Gilman

Top tier in every way.

Insurance is one of those things that it's hard to feel good about - until you need it. That is where HealthyPaws absolutley delivers above and beyond. Our dog was diagnosed with a degenerative disc disease a couple years ago. We love the guy and he was getting the surgery regardless of coverage. I called Healthypaws to see if this procedure was covered and sure enough, it was. I called HP a couple weeks after to see what the hold up was in processing my claim only to find the vet didn't file it as they promised. This is where the real customer service magic happened. The girl I was talking to said not to worry, that she would call the vet and get all the forms, etc. By the end of the day I had confirmation that the claim was filed. a day later it was approved and 3 days later I had a check. Amazing! Since that time our poor guys has managed to tear his CCL in both knees - at separate times. In both case the claim was filed and paid within a week. What else could you possibly ask for? This company is serious about it's mission. And our boy is healthy and thriving in part because of it!
5

out of 5

POSTED: | BY: John

Absolutely the best!

Insurance is one of those things that it's hard to feel good about - until you need it. That is where HealthyPaws absolutley delivers above and beyond. Our dog was diagnosed with a degenerative disc disease a couple years ago. We love the guy and he was getting the surgery regardless of coverage. I called Healthypaws to see if this procedure was covered and sure enough, it was. I called HP a couple weeks after to see what the hold up was in processing my claim only to find the vet didn't file it as they promised. This is where the real customer service magic happened. The girl I was talking to said not to worry, that she would call the vet and get all the forms, etc. By the end of the day I had confirmation that the claim was filed. a day later it was approved and 3 days later I had a check. Amazing! Since that time our poor guys has managed to tear his CCL in both knees - at separate times. In both case the claim was filed and paid within a week. What else could you possibly ask for? This company is serious about it's mission. And our boy is healthy and thriving in part because of it!
1

out of 5

POSTED: | BY: Brooke

Complete bait-and-switch

Complete bait-and-switch. I signed up for Healthy Paws after doing extensive research and being told that premium increases would be "manageable" and not due to my pet's age. I was not told that my initial premium was a "promotional rate" and that the rate would increase 40% over 3 years. My dog is young and healthy without any claims over this period. I wanted to be a long-term customer to help protect us as my dog gets older, but the total cost thus far (and projected into the future) is clear that I am better off putting the money in my own pocket. Healthy Paws sends vague "policy update" emails but never clearly indicated any rate increases and left me to find out by checking my credit card statements. I seriously regret getting caught up in their marketing about the scary costs of vet bills. Icing on the cake: the minute you cancel, they delete your customer account so you no longer have access to policy documents!

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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