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
We have lost two beloved labs, mother and baby, in six months. The hole in our heart is huge. Our vet bills for both was massive. In both cases we would have honestly made the same decisions. They were family and we would have tried everything to keep them with us but the insurance was a blessing. But what amazes us is the speed at which the claims were processed. In one case we submitted a claim for over $10,000:and the claim was approved the following day! What pet insurance does that? We are blessed to have had Healthy Pets and will continue to use them.
BUYER BEWARE:
I enrolled this morning, and the quote that was generated gave me a price for a plan that was supposed to give an 80% reimbursement, only have $250 deductible, with no max payout limits. However, once I finished setting up payment info and creating my account, I decided to take a look at the policy details. The plan that was given to BOTH my pets was only 70% reimbursement, had a $500 deductible, and no mention of no max payouts (which I assume means there's probably a fairly low cap on the maximum payout as well).
In short, a totally different plan from the one I paid for. Called customer service, was hung up on. Called again for a supervisor, and he told me the one they were enrolled in, the lower tier, was the only plan available. Excuse me- probably a silly question on my part, but if the 80% plan wasn't even available for my pets WHY DID YOU ADVERTISE AND OFFER IT TO ME? I believe that they are intentionally defrauding their customers. Please consider other insurance. Customer service was booty, too.
EDIT: I want to respond to their response so everyone can see and isn’t fooled. All of the info they described- my zip code, pet age, etc. was entered prior, rendering their response totally useless. The issue, to be clear, is that after generating my quote, selecting the plan, and making payment, I was automatically shifted to a lower, less desirable plan but still paid the same premium that was quoted for the higher plan, Do not fall for their attempts at misguidance in the above reply, I have photo and video evidence of the FRAUD that is occurring from this business.
Healthy Paws makes it so easy to file a claim and the turnaround time is so fast. I highly recommend them.
1
out of 5
POSTED:
| BY: Jennifer Lee
Tedious Claims Process - Wont Cover Everything
The most unhelpful pet insurance company when your pet gets sick! I joined Healthy Paws in 2018 when my premiums were around $30 something and their claims process was much faster. This year, Nov 2021, I submitted a claim to get reimbursed for my dog's MRI procedure. I've been going back and forth via email and phone calls about missing medical records since we adopted him Dec 2017. After I thought i submitted most of our historical medical records, suddenly they closed my claim saying "Missing Medical records from all of your pet's veterinary visits prior to 04/2018. Missing Medical records from the enrollment exam between 2/10/2017 to 2/24/2018" First NOT one customer rep told me about this detail. Second, I told them numerous times that we don't have medical records for most of 2018 since he had no health issues during that time. On top of that, our premiums have increased by 20% each year.
Healthy Paws makes it so difficult to get reimbursed and denies your claim for silly reasons like "we don't have enough medical records" dating back to caveman times! They love delaying payment and trying to find if your pet has a pre-existing condition! I'm beyond disappointed and frustrated with this company!!!
So happy I purchased pet insurance. After our dog was hit by a car we had over $9000 in vet bills. Healthy Paws made it very easy to file claims and we were reimbursed in 3 days.
$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.
