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
SCAMMMMM!!!!! I will start this by saying I've had this insurance since 2015, when I first got Biscuit. They start you off with a decent rate but don't be fooled. The rate increases are often and expensive. They take more money but don't offer better coverage or more coverage. It went from $30 a month to now over $100 a month. Yet there are still many things they don't cover and they will fault you if your vet doesn't give them all forms from the visit. I used to be able to just send the invoice but now they want all the paperwork from your vet specifically. So basically charging you way more than they should and rejecting claims for no reason.
Monthly premiums keep going up well above competition. But they know you’re stuck with them if your pet had any condition that a new insurer might consider a preexisting condition.
I am not one who typically writes review, however, I feel a need to do so to protect consumers from Healthy Paws. We have been a Healthy Paws customer for years. Our monthly premium started at $35/month, then went to $50/month, then $112/month, and yesterday we were advised that it was now going to be $248/month. We have had no claims in all of the years that we have been with them and thus, we called them to have them explain the premium increase (which represents a 112% increase in only 1-year). When we talked with customer service, they indicated a. the cost of veterinary services have increased over the past year, b. the overall number of claims in CA increased, and c. my dog is older (yes, like previous years he is 1-year older). I have the feeling that Healthy Paws knows that once you sign up with them, you are not likely to switch due to waiting periods and given this, they feel they can charge whatever they want at each renewal. Based on this, we dropped Healthy Paws and went with another recognized provided at less than half the cost, with a higher company reimbursement % on claims (90% vs 60% with Healthy Paws) and lower deductible ($750 vs $1,000 with Healthy Paws). I stronger advise anyone considering Healthy Paws to RECONSIDER - Healthy Paws might appear to have a lower initial premium, however over the life of the policy, I assure you their cost with be significantly higher. Do not get lured into their predatory pricing policy. To all those who rated Happy Paws 4-stars, please read all of the 1-star reviews for unfortunately, you are going to be facing the same situation in the near future. To those that are reading these reviews to try to determine whether you should go with Happy Paws, I hope all of these 1-star reviews will provide you the information you need to make an informed decision, to go with someone else. SUBSEQUENT NOTE: In response to my post, Healthy Paws commented below that they would welcome a call from me to discuss my comments. I would note that prior to me posting my review, I did talk with a customer service representative who simply said that rates have gone up due to increased cost of veterinary services (to me, it seemed like they were reading off a script) and then when I talked with a supervisor, they were also reading off the same script and had absolutely nothing to offer nor did they care that we had been with them for 11 years. Thus I stand by my review - AVOID Heathy Paws, their predatory pricing, and their complete disregard for customer loyalty. If I could give them less than 1-star, I would.
Fast reimbursements, they don't need tons of additional paperwork during a stressful time. It's been really straightforward to use Healthy Paws for our pets!
$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.
