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: Rachael S

Cannot recommend highly enough!

I do not have enough positive things to say about my experience with Healthy Paws! Seriously, just get it. Despite some teasing from friends about enrolling in pet insurance (I heard a lot of "its just a cat, it'll be fine"), I figured it was a good thing to do when I got my two kittens, Loki and Bo, about 4 years ago. I did my research, and the reviews I found online indicated that Healthy Paws seemed to be the one people liked the most. That, combined with the affordable monthly fee and low deductible meant that it wasn't going to break the bank, even if my cats never needed it. I've owned cats my whole life and have never had one with health problems, and the most time we'd ever spent at the vet was for occasional stomach issues etc. However, because I was a student at the time, I wanted to be sure that my little fur babies were covered if something were to happen. While one of my cats (Loki) has been 100% fine with no major incidents, Bo hasn't been as fortunate. He was diagnosed last year with feline asthma, and healthy paws has paid for all of his medications (score one for Healthy Paws). Recently, in what was a freak accidently, Bo slipped off a shelf and broke his back leg upon landing. I have never had a cat with this sort of injury, and was so anxious about the whole thing. The surgery to repair it along with the diagnostics etc cost about $10,500 dollars. I can say for certain, without Healthy Paws covering almost all of it, I might have had to put Bo down. The situation was so stressful, but the one thing I did NOT stress about was whether I could afford Bo's medical treatment. It was a huge relief to listen to the emergency vets and authorize various pain medications, hospitalization, and surgery without worrying as much about the financial side of things. It also was a relief to the vet/surgeons, as I could tell they really thought surgery was the only way forward. I called the customer support worried about everything, and the guy I spoke to was so kind, respectful, and reassuring about the coverage I had to treat the cat. The reimbursements are quick, can be done via direct deposit, and claims are processed so fast. After the surgery, healthy paws sent me a follow up email making sure Bo was ok. I have never once felt unsure whether or not Bo would be covered. In summary, if you have a pet, please get pet insurance even if you don't think you'll need it, or have never had an issue with an animal before. I never ever expected to be in the sort of situation I was in, and I'm not sure what I would have done if I didn't have Healthy Paws. I know other people with Trupanion and some of the other competition, and they have all agreed that my coverage is way more expansive. I know I sound like broken record, but I cannot recommend the coverage that this company provides, and the people working for them enough!
5

out of 5

POSTED: | BY: Lisa

Outstanding customer service

Everyone I spoke to about my claims was professional and very helpful. They even checked up on Turbo after the claims were settled and paid to see how he was doing. My sister recommended health paws to me (she has it for her Havanese) and I am glad she told me about them.
5

out of 5

POSTED: | BY: Dave

Wish I had this level of consistency and quality of service from my personal medical insurance!

Consistent service for 14 years now with never any contest whatsoever - Great Company!
5

out of 5

POSTED: | BY: Kristine

EXCELLENT INSURANCE!!

We are extremely happy with Healthy Paws pet insurance as it really has been a life saver! We purchased a plan when our dog was a brand new puppy as we were told by our Vet that this can come in handy as dogs get older and also in the case of accidents.....especially with Golden Retrievers who love get into trouble :) Our dog is known to eat socks and underwear :( He has been very healthy overall but a few months ago he started to develop some pretty bad allergy symptoms that we couldn't figure out. Healthy Paws has really helped with the cost of treatment and infections and we are so happy that we had this insurance in place. I HIGHLY recommend this to anyone looking for great pet insurance. The claim process is so easy and they literally get back to you with a completed claim in 24-48 hours most of the time. My reimbursement check is usually to me within a week. So amazing!
5

out of 5

POSTED: | BY: Rena

BEST Pet Insurance Available--Won't Find Better!!!

I highly recommend Healthy Paws Pet Insurance. You will not find better coverage, better customer service, easter claims processes, or better reimbursement rates. I am so grateful for Healthy Paws. It recently paid off by saving my little girl's life!! It made all the difference in accessing the best treatment and therapy for my little girl, knowing I had Healthy Paws behind me. I could NOT have gotten through the difficult and worrisome time without knowing we had the financial security and support behind us! It is wonderful to know that Healthy Paws knows just how important our four-legged family members are to the family unit, and just how much they mean to us. Thank you Healthy Paws for existing! You are truly an invaluable asset! Thank you again. Love and Blessings!!

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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