Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,780

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
1

out of 5

POSTED: | BY: Hyunah Kim

I switched to Lemonade

I switched to Lemonade. The reason why - Without any claims filed for 3 years, my premium went up by 70%. Most of all, I experienced difficulties canceling the policy. As instructed, a written cancellation request was submitted but then it wasn't canceled. Instead, i received an email saying that I need to log into my online account to complete the cancel process. I logged in but then it says to submit a written request by email. God..I had to call the customer service and finally connected with them after a 10 minutes wait.
1

out of 5

POSTED: | BY: GC

Buyer beware - 50%+ rate increase if you buy Healthy Paws

Buyer beware - Healthy Paws will jack your insurance premiums by 50%+! My pet insurance premium went up 30% when my pup hit 7 and then another 50% when my pup hit 8. So if you buy their pet insurance, you can expect double digit increases when your pet hits senior age. Healthy Paws will tell you premium increases of any amount is within their legal right, that your state approved the increase, that they are just doing it cover their increasing costs. The sleazy part of pet insurance is that the consumer can't just switch companies because future insurance won't cover preexisting conditions, so I am stuck with the double digit increases despite how unfair it is. I regret buying with Healthy Paws - you will get no sympathy when you try to explain the havoc this will wreak on your budget.
5

out of 5

POSTED: | BY: Alex B.

Process claims quick

Healthy Paws have a friendly staff and care for your pets. One of my pets had two ACL surgeries, one on each leg, and Healthly Paws was able to cover most of the bill. Compared to other pet insurances, I find Healthy Paws' premiums are affordable and provide a discount when you address changes or add a pet. I have two pets too.
5

out of 5

POSTED: | BY: Desiree Braca

CHICO HAS GREAT HEALTHCARE COVERAGE

I have submitted multiple claims for Chico. Healthy Paws offers the easiest submissions by uploading with a photo and press submit button. Claims are generally processed in a week. Chico is currently taking thyroid medication, has had a broken tooth, a broken nail, eaten bees resulting in an allergic reaction and TPLO knee surgery. Healthy Paws covered it all.
1

out of 5

POSTED: | BY: Nicole Lieu

DON'T BELIEVE THE HYPE

I have been a loyal customer to Healthy Paws for 10 years, and how did they reward me?!? By increasing my monthly payment to $200 a month! I started out paying $30 a month, and when my boxer was too old to go anywhere else, they trapped me and hiked up my monthly rates. DO NOT GO WITH HEALTHY PAWS!!! I just got another puppy and will go with another pet insurance company, not one that will bait and hook me like Healthy Paws.

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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