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 would 100% recommend Healthy Paws to any new pet owner. They are extremely easy to deal with, are quick to reimburse and provide easy to understand explanations of benefits. Our pup, Rosie, tragically came down with a very rare condition at just 4 years old. We did everything we could to try to safe her and Healthy Paws supported us through all of it. People often underestimate the lifetime expense of a pet. Knowing that the medical care of your furry loved one is covered by insurance is a huge relief when their health starts to decline. Thanks Healthy Paws!
5
out of 5
POSTED:
| BY: Jen P
I would 100% recommend Healthy Paws
I would 100% recommend Healthy Paws to any new pet owner. They are extremely easy to deal with, are quick to reimburse and provide easy to understand explanations of benefits. Our pup, Rosie, tragically came down with a very rare condition at just 4 years old. We did everything we could to try to safe her and Healthy Paws supported us through all of it. People often underestimate the lifetime expense of a pet. Knowing that the medical care of your furry loved one is covered by insurance is a huge relief when their health starts to decline. Thanks Healthy Paws!
Good Coverage:
We purchased Healthy Paws coverage for our two dogs several years ago and chose the 90% reimbursement option. So far, our policy has covered X-rays, ultrasounds, bloodwork, a CCL (dog ACL) surgery, multiple lumpectomies, radiation, hospital stays, prescription meds... to the tune of tens of thousands of dollars. Basically, one of our dogs is alive and kicking because we have coverage. We've never had any issues with them refusing to pay a claim or disputing a claim.
Note: If you're shopping for a policy, be sure to check the fine print about injuries. One of the reasons we went with Healthy Paws is that they are one of the few pet insurance companies that will cover injuries in addition to illness (the reasoning of other companies being that injuries are the result of negligence, I guess?). After the CCL surgery for our dog--which most policies out there wouldn't have covered--we're grateful that we did.
Straightforward claims:
The claims process is straightforward--just upload itemized and paid receipts--and claims are usually processed very quickly. It is a reimbursement model, so we use it in combination with a Care Credit account, and we have always been able to pay the card off with the reimbursement before the first payment comes due.
It has most of the usual caveats for pet insurance:
No, they don't cover preexisting conditions. No, they don't cover preventative care or office visits. Yes, your rates will slowly increase over the years. If you are lucky and your pet never has an emergency or a major health issue, you will spend thousands of dollars over their lifetime in insurance payments and wonder why you even bothered. If you are like us, you will thank your lucky stars that you got the policy as you watch the vet bills roll in and realize that the insurance makes it possible for you to treat your pet. In other words: it's insurance.
BUT if you have decided to get pet insurance, Healthy Paws is probably just about the best out there.
1
out of 5
POSTED:
| BY: Sharon
Missing records ???
Policy claim #552485-2-2.
I got three emails saying they needed more medical records. I uploaded 11 pages on an almost three year old dog. Then I got another email saying they wanted more details. I contacted my Veterinarian that treated him, they emailed detailed records to Healthy Paws. I got an email today saying claim was denied due to missing records. I have no way of seeing exactly what records are uploaded because the website doesn't show me. My claims are 4,300.00 dollars and I pay over 82.00 per month for my two dogs with 500.00 deductible and 90% coverage. This is the first claim I've ever filed and If they don't fix this I'll have to switch companies. My dogs are only 2 and 3 years old.
They were great to start. It began 6 years ago at around $60 per month. It raised to $94.07 per month over time. Now I just received a notice that it is raising to $205.05 per month !!!!! My dog is just turning 7 years old so they are trying to make the insurance unaffordable now that the dog will be a bit older in a couple years. I've paid every month for years, now all of the sudden they are trying to starve us out with crazy prices. I'm shocked $60 to $94 to all of the sudden $205 !?!?!? Thieves, beware of this non-sense, this is their game.
$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.
