Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,787

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: Amanda

Healthy Paws cares about the wellbeing of my dog.

I didn't have much contact with Healthy Paws pet insurance until my puppy got sick. My mini golden doodle came down with something nasty that left her vomiting for three days. So I took her to the pet hospital to make sure it wasn't anything serious. After a slew of tests, the doctor determined that she was fine and she likely got into something she shouldn't have. I submitted my insurance claim to Healthy Paws by using their mobile app. A few days later I was reimbursed and then an agent contacted me to check on my puppy. It was so sweet to get a personalized note from them, asking how my puppy was doing. That little touch of going the extra mile and showing that they actually care is what made me realize I chose a great insurance company. I've already recommended Healthy Paws to my friends and I would recommend it to you as well.
5

out of 5

POSTED: | BY: Lauren

Exceeds expectations

As an insurance coverage lawyer, I expected the worst from pet coverage. I did a lot of research before selecting Healthy Paws and crossing my fingers. Unfortunately, disaster struck and my puppy needed elbow surgery and rehab. Healthy Paws has been fantastic about adjusting my claims quickly and sending checks promptly. Submission is easy and I haven't had to fight for coverage, which, during these trying times, is a huge burden lifted. Highly recommend Healthy Paws.
5

out of 5

POSTED: | BY: Amanda

A Great Choice

I didn't have much contact with Healthy Paws pet insurance until my puppy got sick. My mini golden doodle came down with something nasty that left her vomiting for three days. So I took her to the pet hospital to make sure it wasn't anything serious. After a slew of tests, the doctor determined that she was fine and she likely got into something she shouldn't have. I submitted my insurance claim to Healthy Paws by using their mobile app. A few days later I was reimbursed and then an agent contacted me to check on my puppy. It was so sweet to get a personalized note from them, asking how my puppy was doing. That little touch of going the extra mile and showing that they actually care is what made me realize I chose a great insurance company. I've already recommended Healthy Paws to my friends and I would recommend it to you as well.
5

out of 5

POSTED: | BY: Gerard R

When I bought HealthyPaws health…

When I bought HealthyPaws health insurance for our dog I wondered about the coverage and the customer service, especially given how health insurance for people can be difficult to navigate and to get coverage for medical problems. HealthyPaws online reviews were good so I thought I'd take a chance. Well I was not disappointed. When our precious labradoodle, Lily, was stricken with thyroid cancer we were fortunate enough to find a veterinary radiation oncologist who could treat her fairly advanced cancer. The radiation treatments were not cheap but they were effective and she is making good progress towards recovery. When I submitted the invoices for reimbursement I worried about whether HP would cover her treatments and medication. They did and with no hassles! It was an easy process and they covered both the radiation therapy and the follow-up medications. Based on my experience. I would highly recommend HealthyPaws. Wish the human health insurance companies provided as good service and concern for the patient as HP has. 5 Stars.
5

out of 5

POSTED: | BY: Debbie Duncan

My dog is alive because of Healthy Paws

I don’t like insurance. I resisted the idea of pet insurance and relied on a self-funded account for years. Then I ran through my $5,000 pet account in six weeks and couldn’t replenish it. I had to accept vet care had gotten too expensive for me not to have insurance. After researching and polling friends, I selected Healthy Paws. I can budget for preventive care and other predictable expenses, so the fact that Healthy Paws doesn’t cover them wasn’t a concern. I also liked that Healthy Paws doesn’t have a per incident deductible or a per pet, per incident or annual maximum. About 4 ½ years ago, I enrolled my clumsy puppy, Coquette, because I just knew she was going to break something. I added my adult dog, Kite, just because. Admittedly, I felt like I was throwing money away the first year. Then my healthy Kite developed an odd liver issue with excessive drinking and urination. Healthy Paws paid for the diagnostics then and over the next 3 years, as multiple vets, vet hospitals and specialists tried to figure out what was making his liver values sporadically flare and subside. Healthy Paws paid for the allergy issues that Coquette developed, ultrasounds and an emergency spay and, sadly, diagnostics and exploratory surgery to discover the lymphoma that ended her life at age 3. Last year, I added a new puppy to Healthy Paws. It was also the year Healthy Paws saved Kite’s life. A trip to Blue Pearl at the end of July revealed he was in acute kidney failure. The cause was unknown but he was put on IV treatments and then meds to stimulate urine production while testing for a cause, including the eventual Leptospirosis diagnosis, began. Two days after being admitted, the specialist said he wasn’t responding to treatment and I had 3 options: (1) keep doing what we were doing (wasn’t working!), (2) pursue dialysis (very expensive and not local), or (3) think about saying good-bye. Everything logical in me said euthanasia was the answer. I was still trying to rebound from my portion of the expenses for Coquette’s lymphoma, I already owed Blue Pearl over $2,000, and dialysis would be very expensive with an estimated 50% chance of success. It was hard to think about losing another relatively young dog just seven months after losing Coquette, so I asked him to check into dialysis. Later that afternoon we made the drive from Kansas City to Purdue University…the closest vet hospital that did hemodialysis. Estimated cost--$8,000-$10,000. He responded beautifully and was able to come home a week later to finish the rest of his recovery at Blue Pearl. Five days later we were on our way back to Purdue for a liver biopsy to see if the team who had done such a fabulous job saving his kidneys could figure out why his liver had suddenly failed. Was it the Doxycycline he’d been switched to for the Lepto or was it due to the underlying mystery liver condition? His liver values started declining once the Doxy was stopped and he was put on liver supplements, and five days later he was home for good while we waited on the biopsy results. Unfortunately, the biopsy didn’t give us any answers, so his mystery liver remains a mystery, and he will remain on lifetime liver supplements ($135/month). All told, saving his life cost over $18,000. Without Healthy Paws pet insurance, he would be dead. I wouldn’t have had any other choice. I can’t say enough good things about them and have recommended them often to my friends and social media contacts. Thanks, Healthy Paws!

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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