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
I had this insurance for 11 years, covering two dogs. For most of that time they were an excellent company with strong coverage, prompt claim responses, and reliable customer service. I recommended them to many new pet owners over the years.
Unfortunately, over the past couple months, their service has deteriorated significantly, and I can no longer recommend them. When my policy renewed in February, they simultaneously increased the premiums, raised the deductible, and reduced the reimbursement rate. Premium increases are expected over time, but changing the core terms of a long-standing policy is extremely disappointing.
On top of that, most claims now trigger requests for additional documentation, despite the fact that I have been submitting the same type of records without issue for the past 11 years. The claims process has clearly become far more difficult and burdensome.
My final claim was for my dog’s euthanasia. After receiving the claim, they cancelled the policy and then requested additional information. This is after numerous previous claims related to her cancer diagnosis and treatment. They did not request additional documentation 5 months ago when my other dog was euthanized and I submitted the same documentation.
Losing my last companion has been incredibly devastating. However, after this experience, ending my relationship with this company is the one small relief in an otherwise heartbreaking time.
We have had Healthy Paws for almost 8 years. I don’t know what we would’ve done without them. Our lab has bad elbows and has had multiple procedures/surgeries and is on many medications. Healthy Paws always paid in a timely fashion and never argued against any of our claims. They are literally lifesavers!
My dog, Stella had cataract in both eyes. It was so bad she was bumping into walls and falling down the stairs. It was so sad to see her decline so fast, especially when she is still very spry otherwise. We decided to get the cataract surgery for her and she can now see again. Its amazing!
Its a very pricey surgery that we would not have been able to afford if it werent for HealthyPaws covering 90%. Thank you Healthy Paws! Because of you my dog can see again and has a whole new lease on life!
While starting a claim, I noticed the Healthy Paws app had an option to speak to a virtual vet with AirVet. We were in the middle of our cat having a medical emergency. I first chatted and then a vet actually called for a virtual call. She was so great, listened and gave me advice. I only wished I realized this feature earlier. Since my cats were always healthy, I never really looked into what the Healthy Paws had to offer. As far as filing a claim, it was pretty easy and quick.
You changed my coverage after 12 years of being a loyal customer. I would like it back the way it was previously. This was due to a few claims that my pet had.I have paid my ever increasing insurance premiums without a complaint or hesitation. I always told fellow dog owners what good coverage I had. I guess that’s all changed now. I know there will be no response as there usually isn’t from large corporations. My policy went from 90% reimbursement with $100 deductible to 70% reimbursement with a $500 deductible. Raised my rates also but that is a minor complaint. You can complain all you want but nothing will change. It never does. Was a very good company until recently.
$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.
