Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,778

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
1

out of 5

POSTED: | BY: Anne Bennett-O'Neale

Otis had a seizure

In December 2020, my dog had a grand mal seizure & subsequently passed away 2 weeks later. Healthy Paws pet insurance said it was a wellness check & declined my claim. Are you kidding .. no protection from them at all!
5

out of 5

POSTED: | BY: Michael Tarallo

Excellent all around - but more cost effective alternatives out there

I have been with healthy paws for 6 years - they have always been excellent - but just like with any insurance - you need to shop around. I never met my deductibles and wellness visits are not included and examination fees when they are sick are not included - so I really was not getting my moneys worth. I just needed accidental type coverage and there were very limited customization options. In addition healthy Paws as continued to raise rates every year - I even had to raise my deductible to lower the monthly rate. I decided to shop around and was able to find another company that saved me over $60/month when compared to healthy paws. I would say if money is not an option - then stick with them - but if you are on a budget and just want accidental converge with customizable options - look elsewhere.
5

out of 5

POSTED: | BY: Chloe Morawski

Love Healthy Paws!

We love healthy paws - I highly recommend them to all of our friends / family. Their customer services is amazing, and we truly have saved a ton of $$$!
5

out of 5

POSTED: | BY: Mike McMahon

The perfect pet insurance

Healthy Paws provides the best coverage for pets with a hassle-free claim process. A policy with Healthy Paws makes it easy for pet owners to focus on caring for their pets and getting them the treatment they need whenever they need it, without being overly concerned about cost. In many ways, I wish human health insurance were so simple and transparent. ;-) Many years ago we purchased our first pet insurance coverage with another company (Pets Best): that coverage was inexpensive and seemed like it would be quite useful in limiting costs while providing incentives for regular checkups. While it was helpful in offsetting costs for smaller incidents, as our dogs aged we quickly found that the policy has payout maximums and "separate occurrence" definitions that limited their coverage quite sharply. We soon re-evaluated our options for insurance coverage and made the switch to Healthy Paws. Whenever the unexpected has happened, we've been able to rely on Healthy Paws to provide consistent, understandable coverage for our pets. Most recently, one of our pets contracted a urinary infection while on vacation, which required a trip to an emergency clinic for treatment. We knew that whatever treatment she needed, it would be covered - and it was! :-) The broad coverage and clear policies have consistently covered various needs for our dogs, spanning knee surgery, upset stomachs, and broken nails; with no claim or lifetime maximums to worry about, there's no concern about "exhausting" the coverage or having to make financial decisions about the well-being of a pet. The claim process is extremely easy with their website: upload an itemized receipt and they take care of the rest. There's occasionally a follow-up question or two - which is easy to answer - and they follow up with the veterinary clinic, typically completing the claim and sending the reimbursement within a few days. It couldn't be easier
5

out of 5

POSTED: | BY: Mike

The perfect pet insurance

Healthy Paws provides the best coverage for pets with a hassle-free claim process. A policy with Healthy Paws makes it easy for pet owners to focus on caring for their pets and getting them the treatment they need whenever they need it, without being overly concerned about cost. In many ways, I wish human health insurance were so simple and transparent. ;-) Many years ago we purchased our first pet insurance coverage with another company (Pets Best): that coverage was inexpensive and seemed like it would be quite useful in limiting costs while providing incentives for regular checkups. While it was helpful in offsetting costs for smaller incidents, as our dogs aged we quickly found that the policy had payout maximums and "separate occurrence" definitions that limited their coverage quite sharply. We soon re-evaluated our options for insurance coverage and made the switch to Healthy Paws. Whenever the unexpected has happened, we've been able to rely on Healthy Paws to provide consistent, understandable coverage for our pets. Most recently, one of our pets contracted a urinary infection while on vacation, which required a trip to an emergency clinic for treatment. We knew that whatever treatment she needed, it would be covered - and it was! :-) The broad coverage and clear policies have consistently covered various needs for our dogs, spanning knee surgery, upset stomachs, and broken nails; with no claim or lifetime maximums to worry about, there's no concern about "exhausting" the coverage or having to make financial decisions about the well-being of a pet. The claim process is extremely easy with their website: upload an itemized receipt and they take care of the rest. There's occasionally a follow-up question or two - which is easy to answer - and they follow up with the veterinary clinic, typically completing the claim and sending the reimbursement within a few days. It couldn't be easier

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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