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
Have been using this vet for close to 20 years. My vet has an excellent reputation in all aspects such as best care, reliable, honest, fair, best treatments of pets She works in an excellent veterinary clinic. She is very knowledgeable and up to date on practices and has created an excellent reputation. Entire staff in clinic follows these same practices and treats pet and family with the same attention, that answering questions leading to best pet care.
Healthy Paws pays claims very quickly and without playing games. You submit the claim, they deduct the items that we agreed are not covered and pay that which is covered minus your deductible. No stress or arguing, they do what they say they are going to do. I will use them again with future dogs!
We have had pet insurance through Healthy Paws for our French Bulldog, Isabel, since she was a puppy. She is now a grand old lady of 14.
When deciding whether to purchase pet insurance, it is easy to think, “She is healthy. We will probably never need it.” However, after experiencing the extremely high cost of treating IVDD in our other Frenchie, we knew we could not take that chance with Isabel.
As it turned out, Isabel’s first 13 years were mostly healthy and uneventful. We initially never needed to use the insurance. Then old age arrived rather suddenly, bringing with it serious health problems and substantial medical expenses.
Throughout everything, Healthy Paws has been absolutely amazing. The claims process has been simple and straightforward, reimbursements have been handled quickly, and we have never been made to feel questioned or challenged during an already difficult and emotional time. Healthy Paws has covered the majority of Isabel’s eligible medical expenses, allowing us to focus on caring for her rather than worrying constantly about the cost.
We are incredibly thankful that we maintained her coverage throughout all those healthy years. It has made an enormous difference in our ability to give Isabel the care she needs now.
We recommend Healthy Paws to everyone we meet, without hesitation. We truly cannot say enough good things about the company and the support they have provided to our family. If you are considering pet insurance, and we strongly believe you should, Healthy Paws should be at the top of your list. Do not wait until you need it.
Submitting a claim is so easy and the response is rapid - they money from the refund is in my account before I have to pay the credit card which is a huge help.
Healthy Paws is a bait and switch and DO NOT respond in a timely fashion!
I signed up, received my quote, gave ALL of the information I had regarding my new rescue, paid, etc. THEN my dog age something outside and needed to be seen by 2 emergency vets. I paid the deductible and was reimbursed for a small portion. Okay. THEN they decided to raise my rates by almost double because one emergency vet led with ONE of his breeds. He is a rescue that DNA revealed is 48% Bernese and 52% King Charles. Healthy Paws said he would be much larger than I had reported and told me that they do not take DNA results stating that the vet would be the one to determine the breed. What?? My daughter's rescue came back with 8 breeds when a DNA test was done!!! So, a vet can say that a pup has 5% Chihuahua, 10% Lab, and such. NO! I had DNA done to report in good faith. When my vet said he would not even hit 30 pounds, perhaps only 25 (because she is a mindreader) they wouldn't budge at the new price. They put it "under review" so I waited a MONTH and finally just decided it was not worth it because calling a bunch of times, paperwork, resubmitting all of his records was never enough. In the end, it was a big waste of money and time!!!
$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.