Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,184

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
1

out of 5

POSTED: | BY: Sandra

Don't trust their intro rates - they skyrocket later

I have been a customer with Healthy Paws Insurance since 2016. My 6-year-old dog has been very health overall and we've made very few claims. I was prepared for incremental increases in my monthly premium. However, I was shocked at how my Healthy Paws jacked up my rates over the past year. They skyrocketed from from $39.05 a month in May 2020 to $65.69 in June 2021. That's a 68% increase in the span of a year! According to their own website when I bought my insurance, the company stated: "Due to the increasing cost of new technology and advances in veterinary care, your rates will increase slightly each year. Our plan has factored the expected increase in the cost of veterinary care into your rates so that the annual premium increases are manageable." This is neither a "slight" or "manageable" premium hike. When I complained to the company, they pretty much said more people are filing claims in my state than expected and that's just the way it goes. I feel I was deceived by the company's website and that the company made false claims about its rates. I see it recently changed its website language under FAQs and no longer use the words "slight" or "reasonable" to describe their increasing rates. It's no wonder why. If you're looking for pet insurance, look elsewhere. They aren't a good company for your pet long term.
1

out of 5

POSTED: | BY: Sandy T.

Don't trust their intro rates - they skyrocket later

My 6-year-old dog has been insured with Healthy Paws for years and we've made very few claims. I was prepared for incremental increases in my monthly premium. However, I was shocked at how my Healthy Paws jacked up my rates over the past year. They skyrocketed from from $39.05 a month in May 2020 to $65.69 in June 2021. That's a 68% increase in the span of a year! According to their own website when I bought my insurance, the company stated: "Due to the increasing cost of new technology and advances in veterinary care, your rates will increase slightly each year. Our plan has factored the expected increase in the cost of veterinary care into your rates so that the annual premium increases are manageable." This is neither a "slight" or "manageable" premium hike. When I complained to the company, they pretty much said more people are filing claims in my state than expected and that's just the way it goes. I feel I was deceived by the company's website and that the company made false claims about its rates. I see it recently changed its website language under FAQs and no longer use the words "slight" or "reasonable" to describe their increasing rates. It's no wonder why. If you're looking for pet insurance, look elsewhere. They aren't a good company for your pet long term.
5

out of 5

POSTED: | BY: Sherri

Healthy Paws is the best!

Provides the BEST coverage at a very fair premium and has excellent customer service. My fur baby had thrombocytopenia then got esophagitis from the prednisone. It’s been almost a year of dealing with these issues. She required more advanced testing to verify there was no cancer or other issues due to the severity. HP even contacted me to check up on her! I tell everyone, if you want pet insurance get Healthy Paws!!
5

out of 5

POSTED: | BY: Sonia Rivera

Healthy Paws is great and I would…

Healthy Paws is great and I would recommend them to anyone who has a pet. They review claims right away and have a result in no time. I love the news letters I get from them with helpful information and tips about pets. They really seem to care.
1

out of 5

POSTED: | BY: Diane

No loyalty to customers

I was with HEALTHY PAWS pet insurance for 10 years, they processed my claims, while raising the premiums every year with no problems. I called to let them know my boy had to be euthanized (age 12) for health reasons, they told me the euthanasia would be covered, to file my claim the day after. I filed the claim and cancelled the insurance as told. It's been two weeks since I've filed, I just received an email saying they were working on the euthanasia claim, and asked "please let us know how Dominic is doing". Really....just goes to show how sympathetic and caring they are, asking me how my deceased boy is. I work at an animal shelter and always recommended HEALTHY PAWS, not anymore. I'm so disappointed

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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