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
2

out of 5

POSTED: | BY: April

Easy to submit claims, but PRICE HIKES are too much

I left a 10/10 review recently for Healthy Paws because it was easy to submit the claim for my dog's TPLO surgery (after he tore his knees/ACL in an accident), and pretty easy to get payment. But less than a month from that claim, I got an email saying that my monthly premium has gone up 50% - now at over $270 per month. They say premiums do not go up because of claims, but it feels suspect. I reached out to ask, and the generic reason they gave was that overall pet owners have been submitting more claims, they're paying more out, and now they have to increase prices. My dog's only 6...I can't even imagine how much premium they'll try to charge by the time he's an elderly dog.
5

out of 5

POSTED: | BY: Tim

Outstanding customer service

I don't believe that there is another pet insurance company that could do as well as Healthy Paws. They are quick, efficient, and helpful. They make submitting a claim an easy process. They are committed to their customers and the high quality of their service.
5

out of 5

POSTED: | BY: Kathy

Amazing company that consistently performs incredibly

I have two German Shepherds that Healthy Paws has insured since they were puppies. I cannot say enough positive things about Healthy Paws. When one of my dogs came down with cancer, Healthy Paws paid for his surgery, radiation, and chemotherapy. There was never any problem in receiving reimbursement and they always paid within a few days of receiving my bills. My other dog has back problems, and, again, Healthy Paws stepped up 100%. He receives regular acupuncture treatments which the company promptly reimburses within a few days of submission. I use the electronic submission which makes the whole process incredibly easy. I have recommended Healthy Paws to all of my friends !
5

out of 5

POSTED: | BY: Peter P.

Quick and Easy

I've had Healthy Paws for both of my puppies. Unfortunately, both suffered injuries requiring some extensive test and treatment. Submitting claims was quick and easy. Their communication is great and claims get processed and paid out very quickly! Knowing I had this coverage made caring for my babies easier.
5

out of 5

POSTED: | BY: Lynn

Healthy Paws has your back

I have had Healthy Paws pet insurance for approximately 4 years. It is easy to submit a claim. For each step of the process, I receive an e-mail: when the claim is received, when the claim is being reviewed (in process) and when the claim is completed. All of this happens very quickly (typically 2-3 days, although I have had approval in 12 hours and an occasional longer time frame). The explanation of benefits is always complete, and the claim is processed quickly. I have submitted 36 claims in the past 6 months and have not had a claim denied - they cover so much, including medication, testing, and procedures. When my dear pup needed her gall bladder removed in an emergency surgery, I knew that I would be able to get her the care she needed because Healthy Paws had my back. The large hospital bill was approved in two days and the check was received very quickly after.

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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