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: Alyse

No Brainer!

I cannot say enough great things about my experience with Healthy Paws. Once I adopted my cat, I knew that getting pet insurance was going to be a no brainer for me. I never wanted to be in position where I’d have to make difficult decisions based on financial circumstances, and Healthy Paws has provided me with peace of mind. After adopting my cat Lilly in 2016, I immediately enrolled her after an exam, which showed she was in optimal health for an adult cat of her age. But a year or so later she developed early onset kidney disease and requires extensive diagnostics on a yearly basis. My policy has covered everything that she's needed with the exception of exams and her specialized food. And while the bills pile up initially, I'm just so thankful knowing that when I see that initial total, I'm going to get back 90% of the cost. The process is hassle-free for me and my veterinarian. After the initial exam, there is no excessive paperwork or pre-approvals. It's as simple as uploading a PDF or photo of the invoice and waiting for the reimbursement check to come in the mail, which I’ve usually received within 7 to 10 days. I've only had two occasions where I've needed to contact customer service at Healthy Paws and both times I was met with courteous and knowledgeable representatives who answered my questions and concerns. I can't speak to everyone’s experience and circumstances, but if you read the fine print and know what your policy includes, then there should be no surprises.
5

out of 5

POSTED: | BY: Alyse Montgomery

No Brainer!

I cannot say enough great things about my experience with Healthy Paws. Once I adopted my cat, I knew that getting pet insurance was going to be a no brainer for me. I never wanted to be in position where I’d have to make difficult decisions based on financial circumstances, and Healthy Paws has provided me with peace of mind. After adopting my cat Lilly in 2016, I immediately enrolled her after an exam, which showed she was in optimal health for an adult cat of her age. But a year or so later she developed early onset kidney disease and requires extensive diagnostics on a yearly basis. My policy has covered everything that she's needed with the exception of exams and her specialized food. And while the bills pile up initially, I'm just so thankful knowing that when I see that initial total, I'm going to get back 90% of the cost. The process is hassle-free for me and my veterinarian. After the initial exam, there is no excessive paperwork or pre-approvals. It's as simple as uploading a PDF or photo of the invoice and waiting for the reimbursement check to come in the mail, which I’ve usually received within 7 to 10 days. I've only had two occasions where I've needed to contact customer service at Healthy Paws and both times I was met with courteous and knowledgeable representatives who answered my questions and concerns. I can't speak to everyone’s experience and circumstances, but if you read the fine print and know what your policy includes, then there should be no surprises.
5

out of 5

POSTED: | BY: Ana

Healthy Paws has been the best insurance I could have ever dreamed of.

My dog has been diagnosed with an autoimmune disease affecting her eyes and it has been extremely challenging to manage multiple doctors, tests and drugs over the past 5 months! Healthy paws has made it easy for me and has taken a huge burden out of my back when dealing with all this!
5

out of 5

POSTED: | BY: Megan

Awesome!

My cat had ingested a foreign body but there were complications during the surgery. It was a week long process of not knowing whether he was going to make it, and each day was costing thousands of dollars. Healthy Paws was so compassionate on the phone. I felt like they really cared and were making sure that the monetary issues would not be a factor in determining the level of care he received. He’s home now, happy as ever. And I now whole heartedly recommend Healthy Paws to every pet owner I meet. You never know when it may save their life!
5

out of 5

POSTED: | BY: Diana

LOVE Healthy Paws!

Healthy Paw is so wonderful! My 2 year old husky/shepard got bit by a rattlesnake while at my mother in law's ranch, and then a few months later needed emergency surgery for an unrelated reason. In both instances Healthy Paws was so helpful. Their process to upload invoices for claims is so easy and if they need further documents it is such a smooth process for the vets to submit. I received both reimbursement checks in a very timely fashion, and they even checked in about Clover's surgery. I am very happy with Healthy Paw and am glad to have them for my pups

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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