Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,404

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
5

out of 5

POSTED: | BY: Linda

We have used many pet insurance companies. Healthy Paws is the best, most professional of all.

This is the best coverage, honorable, timely, reliable and monthly premiums fairly priced. The customer service agents very informed and sensitive. Our Cooper would not be alive had we not had Healthy Paws Insurance.
5

out of 5

POSTED: | BY: Rhona

Best pet insurance around!

Healthy Paws has an app that lets you take a snapshot of the medical bill and submit. It is a very uncomplicated process and the claim is turned around quickly. One time I didn’t provide enough information and Healthy Paws contacted my vets office without bothering me. They also follow-up to see how your pet is doing.
5

out of 5

POSTED: | BY: Rhona Ferguson

Excellent attention, rapid turn around

I have used Healthy Paws for three different illnesses involving my dog. Their app is user friendly, simply taking a snapshot of the documentation and submitting. Payment turn-around is just a few days. There is even follow-up to make sure your pet is doing well.
5

out of 5

POSTED: | BY: Nancy

Healthy Paws was there for us!

I've had dogs all my life, and this is the first time I've purchased pet insurance. As a volunteer for a dog rescue, I had the opportunity to poll my colleagues about the pros/cons of insurance, as well as which companies they'd recommend, if any. They informed me about a number of companies, and Healthy Paws' reviews definitely came out above the rest. Ellie Dee ended up at the emergency vet (on a Sunday!) for two days and nights one month ago. I contacted Healthy Paws, and they kept in contact, answering my questions, etc., as needed. The process and paperwork for my claim were very clear. Healthy Paws staff sent me a number of emails to check on Ellie Dee even after she'd been home for a few weeks! I was very pleased with the quick arrival of my refund check from Healthy Paws. There were no surprises during this process; I highly recommend this group!
1

out of 5

POSTED: | BY: Kevin Bright

This company is terrible

This company is either completely incompetent or a scam. I signed up four months ago. Paid all of my premiums. Submitted two claims for a total of about $150. After I submitted, they wanted complete medical records, which I provided and uploaded. Then I got another email asking for complete medical records, which I again provided. Then I got another email for a third time asking for complete medical records. This email threatened to decline my claims if I didn't (again) submit the medical records. I called the customer service number. Spoke to a woman who told me the claims examiners were looking for proof of a physical examination on 12/24/20. She looked at the medical records I had uploaded and indicated that she found reference to the examination on the one record and that she would submit everything for processing. A day later I got a fourth email asking me to submit complete medical records. Before I could even respond, the company sent another email saying that the claims were denied because I didn't upload medical records and the claims expired. Called them back, was put on hold for a manger for 25 minutes. Hung up and filed a dispute with my credit card company for the premiums I had paid. This company sucks. Go elsewhere. Not worth the aggravation.

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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