Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,778

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: Stephanie

Healthy Paws is a lifesaver!

Great customer service and quick and easy claim processing. It was such a relief to make a decision based on what was best for my cat rather than what it might financially cost when an emergency happened. Would highly recommend Healthy Paws!
5

out of 5

POSTED: | BY: Molly Knobler

Easy, reliable, thoughtful insurance

I have had Healthy Paws insurance for 3 of my last 4 dogs. Each of them has had major (and majorly expensive) health issues (cancer, cancer, and irritable bowel syndrome that presented as an intestinal blockage). Every single time one of them had an issue, I never had to worry about whether I could afford the recommended treatment, because I knew Healthy Paws would have my back. They make claim submittal extremely easy, they do all of the background work to obtain documentation, and they provide reimbursement quickly without maximums or fee schedules. On top of that, they are kind and thoughtful and recognize that when you're dealing with a sick pet, the last thing you want to worry about is the insurance. When my dog Bibi eventually passed, they quickly and without being asked cancelled her policy and sent a sympathy card signed by the staff. I will always remember how touched I was by these incredibly thoughtful gestures. I highly recommend Healthy Paws to all my friends and family with pets.
5

out of 5

POSTED: | BY: Molly Knobler

Easy, reliable, thoughtful insurance

I have had Healthy Paws insurance for 3 of my last 4 dogs. Each of them has had major (and majorly expensive) health issues (cancer, cancer, and irritable bowel syndrome that presented as an intestinal blockage). Every single time one of them had an issue, I never had to worry about whether I could afford the recommended treatment, because I knew Healthy Paws would have my back. They make claim submittal extremely easy, they do all of the background work to obtain documentation, and they provide reimbursement quickly without maximums or fee schedules. On top of that, they are kind and thoughtful and recognize that when you're dealing with a sick pet, the last thing you want to worry about is the insurance. When my dog Bibi eventually passed, they quickly and without being asked cancelled her policy and sent a sympathy card signed by the staff. I will always remember how touched I was by these incredibly thoughtful gestures. I highly recommend Healthy Paws to all my friends and family with pets.
1

out of 5

POSTED: | BY: Mark Oliver

Healthy Paws ignores ALL forms of customer contact

Do not use this company. I have been paying Healthy Paws for several months before sending (filling out online) a claim. Now that I have questions about a claim and services covered they have refused for several weeks to even acknowledge my attempts to contact them. I have called multiple times. They never pick up the phone. They promise to call you back but never do. They offer no chat recourse on their web site. They refuse to respond to messages left on their site messaging center. They refuse to provide an email address - presumably so customers will have no record of attempted contact. They refuse to respond to postal mail inquiries. In short, once they get your money you no longer exist to them. I now have had to cancel my credit card to prevent future automatic payments as I cannot even contact them to cancel my account. I now will have to update credit card info with numerous (legitimate) businesses. Advice: don't buy pet insurance until after you have received responses to at least phone calls and emails first.
1

out of 5

POSTED: | BY: Customer

Healthy Paws??? Stay away!

After years of recommending Healthy Paws Pet Insurance [only 1 claim in 2017], I now have to say STAY AWAY! I am not sure what happened but the 1 claim [Lyme treatment less than $300] I made for my boy since 2017 was a nightmare. 10 days turned into a month. Sent them all the records from both vets. Asked for status at day 10, got canned response "working on it". 3 days later, I asked again then again at day 19, no response either time not even a canned response. Asked again at day 21, their response was to tell me they needed more records including ALL his records for the entire time I've had him [2013]. They've had all these records since the 2017 claim. I [again] sent them all his records from 2013 to date which was only going towards deductible. It wasn't like they were giving me any $. Took a MONTH before they approved my claim which was about 2 weeks before his policy renewal. The premium for for both dogs went up by $60/mo. My boy has had 2 claims, 1 in 2017 and the other this year. My girl has had none. I went online and changed her policy to up the deductible to bring policy price down. They apparently didn't do it because they took out the higher figure . I went back online and did an "email us" asking why the premium wasn't adjusted. 4 days later, the response was "We can't find a policy under that name. Please provide more information." What??? I was on their site under her name! Horrible experience.

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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