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 always tell new pet people that if they can afford it, get pet insurance as soon as possible. When we adopted our dog Luna in 2014, I researched all the major insurance companies. The main differences among the companies had to do with cost, the deductible (per condition versus annual), and the approval process. I decided on Healthy Paws because while new to us, our dog was an adult and formerly stray, so I didn't know what we'd face in the first year (injuries, various illnesses??), so an annual deductible made more sense to me, in case there were multiple different vet visits.
While Healthy Paws doesn't offer a pre-approval, it's been super easy to file claims. If for a vet visit, their office can email the Healthy Paws claims department directly; if I'm picking up medication, I can submit a claim online. Healthy Paws has always reimbursed us very quickly (like 1-2 days) and has covered dozens of claims at this point for surgeries, medical tests, and prescription medications. I've never had a claim denied that I expected would be covered.
Any time I've needed to call Healthy Paws to check in about a quote from my vet's office, or straighten out my paperwork (lately sometimes I've needed to make multiple claims per week and have mixed receipts, oops) -- the customer service representatives are SO nice, SO lovely to talk to, and are clearly animal lovers who are happy to help pet people out. Over the past year Luna has been really sick and it's been *such* a relief to know that Healthy Paws will cover the various tests our vet has proposed -- it makes taking care of a pet so much easier. It's definitely been a good financial decision for us to pay for insurance since 2014; the reimbursements have outweighed the cost as Luna has gotten older and had health issues. I would definitely recommend Healthy Paws to other pet people! Thank you so much!
5
out of 5
POSTED:
| BY: Alexandra Martin
100% recommend Healthy Paws!
I always tell new pet people that if they can afford it, get pet insurance as soon as possible. When we adopted our dog Luna in 2014, I researched all the major insurance companies. The main differences among the companies had to do with cost, the deductible (per condition versus annual), and the approval process. I decided on Healthy Paws because while new to us, our dog was an adult and formerly stray, so I didn't know what we'd face in the first year (injuries, various illnesses??), so an annual deductible made more sense to me, in case there were multiple different vet visits.
While Healthy Paws doesn't offer a pre-approval, it's been super easy to file claims. If for a vet visit, their office can email the Healthy Paws claims department directly; if I'm picking up medication, I can submit a claim online. Healthy Paws has always reimbursed us very quickly (like 1-2 days) and has covered dozens of claims at this point for surgeries, medical tests, and prescription medications. I've never had a claim denied that I expected would be covered.
Any time I've needed to call Healthy Paws to check in about a quote from my vet's office, or straighten out my paperwork (lately sometimes I've needed to make multiple claims per week and have mixed receipts, oops) -- the customer service representatives are SO nice, SO lovely to talk to, and are clearly animal lovers who are happy to help pet people out. Over the past year Luna has been really sick and it's been *such* a relief to know that Healthy Paws will cover the various tests our vet has proposed -- it makes taking care of a pet so much easier. It's definitely been a good financial decision for us to pay for insurance since 2014; the reimbursements have outweighed the cost as Luna has gotten older and had health issues. I would definitely recommend Healthy Paws to other pet people! Thank you so much!
I bought puppy health insurance not knowing I would need it so quickly. On day 17 (2 days after the waiting period ended), my puppy became ill and spent 4 days in the hospital in ICU care. Healthy Paws stepped in and supported the claim. I was thrilled and it gave me a great peace of mind.
5
out of 5
POSTED:
| BY: Sarie
Best Insurance company
We have had healthy paws for a few years now with both of our dogs. This is the only insurance company I've ever worked with that has personally reached out after any surgeries to check on our dog's health. I was pleasantly surprised when I received a personalized email asking how our dog Ralph was after a minor procedure to remove a lump. Their app is extremely easy to use and I've never run into any problems. The claim process is also easy to follow and I have never had any issues. Reimbursement was received within 1-2 business days. Would highly recommend this insurance company.
5
out of 5
POSTED:
| BY: Stacy D
Healthy Paws was awesome
Healthy Paws was awesome. They paid a claim two days after my pet's waiting period ended. The service was great!
$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.
