Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,283

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
1

out of 5

POSTED: | BY: Jonathan Marcel

Used to be great. Now... stay away!

For the first few years, HealthPaws was amazing. They had reasonable rates and paid every claim we submitted. In the last year, that all changed. It started with a 36% rate hike that came overnight. When I questioned that I was told that it was a one time thing because they had had so many large claims and were also calculating premiums differently now (taking dog's age into account). I was also told that I shouldn't expect another similar rate hike. Then I submitted a claim that they wrongfully denied. It took me talking to 3 different people over multiple weeks to get that resolved, and then they didn't pay for another month. The final straw was when they hiked my rates another 31% AFTER TELLING ME THAT WOULD NOT HAPPEN! When I contacted them about it they gave me the exact same party line that they gave last year and refused to answer many of the questions I asked nor to give any assurance they wouldn't just keep hiking my rates year after year. If you're looking for a reliable insurer, I strongly urge you to look at some of their competitors. Otherwise you may find youself paying hundreds more per year than you thought you were signing up for.
5

out of 5

POSTED: | BY: Ed

Super fast claims processing and outstanding service

I have had a Healthy Paws policy for my 11 year-old Beagle for 5+ years now. Last month, within the span of a couple of hours, Yodee went from seeming perfectly fine to needing immediate surgery. The emotions that go thru you when having to make decisions about these things is traumatic. But knowing that he had a Healthy Paws policy in place--and especially with the knowledge of how great they are with taking care of claims--absolutely brought reassurance and peace of mind. I can't even imagine how difficult the experience would have been without them. The claim was processed and paid before my credit card payment was due. He is fully recovered now, and doing great. I can't thank them enough. One of the best investments I have ever made.
5

out of 5

POSTED: | BY: Martie

Doggie surgery

My dog had ACL surgery. It was an unexpected cost at the holidays and during the pandemic when finances are tight. Luckily, I have Healthy Paws insurance. I sent in my claim by taking a photo and uploading it, easy process. The staff are very friendly and caring. They followed up after my claim to check on my dog. Thank you Healthy Paws.
5

out of 5

POSTED: | BY: Martie

Duchess’s surgery

😊
1

out of 5

POSTED: | BY: Elizabeth F

Quick to take your money

Quick to take your money, but when you want to cancel they don’t want to refund it back for a claim they couldn’t even help with ! Don’t trust them ! I thought I was making the right choice with them for my puppy but I was wrong, definitely should’ve went with another insurance. Thanks for taking my money !

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.

Get a quote today

Leave a review