Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,767

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
5

out of 5

POSTED: | BY: Deborah Rosenthal

Thank My Lucky Stars for Healthy Paws!

Murphy is my fourth pure bred German Shepherd. I've insured all but one of them, and I learned that was a mistake because it is always something with the pure bred Shepherds although it's mostly been a different issue with each one. Murphy is the first dog I've insured with Healthy Paws and they are by far the best. The claims handling process is super simple, they pay very promptly and customer service is very helpful. Murphy just had both of his elbows operated on and I wasn't sure if everything would be covered so I called for some guidance. Although they can't guarantee coverage, they will explain what categories of treatment won't be covered. For example, treatment considered experimental like stem cell shots is not covered. Frankly, I was surprised at the breadth of the rehab they do cover. I also think that the unlimited dollar amount of claims is hugely important. I could not have afforded all of the treatment Murphy requires without the policy (his elbow surgery and treatment will end up costing about $7K). Luckily, I have 90% reimbursement. Although it costs a little bit more in premiums, Healthy Paws reimburses me more each month than I pay in premiums because Murphy also developed allergies and is on monthly meds that are expensive. Sometimes I even feel a little guilty submitting claims because they have paid so much more than my premiums. I've recommended Healthy Paws to a lot of people, but generally they don't end up even getting insurance. That seems insane to me. It is one of the best investments you can make in your pet.
5

out of 5

POSTED: | BY: Linda Scharrer

HealthyPaws is a great company

HealthyPaws is a great company. My dog tore her ACL, the surgery was $5500. I paid 20% and the rest was covered by HP. I submitted the claim, and had a check within 2 weeks. They also sent me an email inquiring how my dog was doing. Great customer service, very happy with HealthPaws!
2

out of 5

POSTED: | BY: Edgar Mejia

Long process to get reimbursed

Really long process to get reimbursed I had to constantly keep calling asking for supervisors to escalate in order to get answers and finally got reimbursed thanks to last supervisor I spoke to.
5

out of 5

POSTED: | BY: Sabrina Loesh

Healthy Paws is a must have!

Healthy paws has been the absolute best! While I maintained my policy for many years without making any claims, Healthy Paws has been there when they were most needed. This year my beloved 14 year old dog developed liver cancer. In the last 6 months my little guy has cost over $25K in medical costs. Healthy Paws has covered absolutely everything from tumor removal surgery to specialized genomic cancer testing to chemotherapy and ongoing monitoring. My little guy is still with us and doing fine because of the fantastic care I was able to procure with my Healthy Paws coverage. So so thankful for the peace of mind.
5

out of 5

POSTED: | BY: Sabrina Loesh

Healthy Paws is a must have!

Healthy paws has been the absolute best! While I maintained my policy for many years without making any claims, Healthy Paws has been there when they were most needed covering over $25K in medical costs within the past 6 months. This year my beloved 14 year old dog developed liver cancer. Healthy Paws has covered absolutely everything from tumor removal surgery to specialized genomic cancer testing to chemotherapy and ongoing monitoring. My little guy is still with us and doing fine because of the fantastic care I was able to procure with my Healthy Paws coverage. So so thankful for the peace of mind.

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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