Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,025

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: Elizabeth Webber

A wise choice

Signing up with Healthy Paws was one of the wisest decisions I have made as a dog guardian. My beautiful miniature poodle developed significant medical issues and over the years I have found Healthy Paws' service to be prompt and fair. I recommend them wholeheartedly.
5

out of 5

POSTED: | BY: dj29

Excellent

One of the first things I did when I got my Lab puppy at 8 weeks was sign up for pet insurance. Having researched different insurances I landed with HealthyPaws because of their good sonsumer rarings, competitive premiums and website user friendliness/interface. I have never regretted this decision. The premium has climbed significantly in the 8 years since I have been a member, but my Lab has gone through an array of health issues since she was a puppy - chronic stomach issues, two knee operations and kidney disease to name a few - and HealthyPaws has saved me thousands of dollars despite the monthly premium payment. Their claims submission process is simple and straight forward, their claims department immediately confirms receipt and the review and processing time is very prompt. A detailed explanation of benefits and reimbursement follows within a matter of days. Their customer service phone support has also been outstanding, helpful and friendly. I recommend Healthy Paws to anyone looking for dog insurance, in particular if you have a young puppy with no pre-existing conditions to maximize the benefit.
5

out of 5

POSTED: | BY: dj

Excellent

One of the first things I did when I got my Lab puppy at 8 weeks was sign up for pet insurance. Having researched different insurances I landed with HealthyPaws because of their good sonsumer rarings, competitive premiums and website user friendliness/interface. I have never regretted this decision. The premium has climbed significantly in the 8 years since I have been a member, but my Lab has gone through an array of health issues since she was a puppy - chronic stomach issues, two knee operations and kidney disease to name a few - and HealthyPaws has saved me thousands of dollars despite the monthly premium payment. Their claims submission process is simple and straight forward, their claims department immediately confirms receipt and the review and processing time is very prompt. A detailed explanation of benefits and reimbursement follows within a matter of days. Their customer service phone support has also been outstanding, helpful and friendly. I recommend Healthy Paws to anyone looking for dog insurance, in particular if you have a young puppy with no pre-existing conditions to maximize the benefit.
5

out of 5

POSTED: | BY: Anna

Great experience!

Thank goodness we finally decided to insure Emmy, just months after we did, an extended (and expensive) hospital stay became necessary and Healthy Paws has been great, they have covered everything they said they would, and reimbursement has been quick. I had a minor issue with a claim and when I called customer service it was resolved quickly and kindly. We have a friend who is a vet and she has used Healthy Paws for years for her dogs; she is the one that referred us, and I am so glad she did!
5

out of 5

POSTED: | BY: Carolyn

Painless & Fast

I've had a great experience with this company. During a stressful time with an injured pet, it's great to know that you're covered AND you will get paid out quickly. After 2 years of no emergencies with Phoebe, she unfortunately had 2 unrelated and EXPENSIVE emergency visits to the vet this month (sliced paw pad on a rock & swallowed a sock 3 weeks later). The first claim was so easy - and we were updated on the status each day (including saturday and sunday) and i received a check in the mail on the 3rd day! In her 2nd emergency, i was panicked that it might not get covered since we submitted a claim just a few weeks before. I shouldn't have been worried - the claim went through and was accepted and paid out within just a few days (which was a relief bc the bill for this one was almost 3000!). They were friendly, quick, easy and reassuring. Not only did they not give me a hard time with the 2nd claim, like i worried - but they followed up to make sure Phoebe was ok and healing well. It has been a really great experience. For a while, i was wondering if insurance was even necessary since i had it for 2 years without needing it...but this month PROVED how crucial insurance was and i was so thankful to have them on my side!

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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