Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,791

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: Debby Lenz

Why did I was so long to get pet insurance?

Why did I was so long to get pet insurance? Healthy Paws made the process a breeze! They are not only affordable, but the claim was processed and payment sent so quickly I was thoroughly satisfied. Not only that, they followed up to see how my pup was doing after being bitten by a rattlesnake. She's doing just fine, but sadly still sticking her nose where it doesn't belong. We're watching her more closely now!
5

out of 5

POSTED: | BY: Deborah L

Healthy Paws Pet Insurance was…

Healthy Paws Pet Insurance was fantastic. They are affordable, processed claims quickly and made reimbursement payment within weeks. And they followed up to inquire about the health of our injured pet. Couldn't ask for more! And the pup is doing great!
1

out of 5

POSTED: | BY: Sydney Howell

Six months of fighting and 3 supportive vet letters before they paid a covered claim

Healthy Paws is terrible. It took 6 months, an insurance investigation, and multiple letters from treating veterinarians to overturn claims adjuster's completely unsubstantiated speculation my dog's pneumonia might have been related to a pre-existing condition. They will try to wear you out with multiple denial letters, vague rejection codes, refusal to provide accountable individuals (or last names, or phone numbers, or emails), until you give up or, as happened with me, make it clear you are willing to file a State oversight complaint.
5

out of 5

POSTED: | BY: Anna Frost

Efficient, Honest and Caring

Five weeks ago, our 10 year-old Springer tore her rear knee ACL so badly it disconnected. She needed reconstruction surgery. We were incredibly stressed about her safety, our ability to care for her when she came home, and also the cost. It has been so much easier than we expected, largely because of Healthy Paws Health Insurance. When I called them to check coverage, they assured me that unless it was a pre-existing condition, there would be no problem. They told us not to worry, that Healthy Paws was there to relieve us of stress, not increase it. Since our girl has been insured since she was less than a year old we were relieved. The surgery was expensive, and we were reimbursed exactly as we hoped, within days of submitting the bills. We have enjoyed their efficiency and courtesy for ten years of mostly mundane and minor health issues (foxtails, UTI infections, allergies...) Their processing system is extremely streamlined and user friendly. We find their newsletters informational. And their customer service all these years has convinced us that they actually care about our girl. They have never let us down, but this time they really had our backs - and we deeply appreciate it. If you are thinking of getting pet insurance, look no further than Healthy Paws.
5

out of 5

POSTED: | BY: Anna Frost

Efficient, Honest and Caring

Five weeks ago, our 10 year-old Springer tore her rear knee ACL so badly it disconnected. She needed reconstruction surgery. We were incredibly stressed about her safety, our ability to care for her when she came home, and also the cost. It has been so much easier than we expected, largely because of Healthy Paws Health Insurance. When I called them to check coverage, they assured me that unless it was a pre-existing condition, there would be no problem. They told us not to worry, that Healthy Paws was there to relieve us of stress, not increase it. Since our girl has been insured since she was less than a year old we were relieved. The surgery was expensive, and we were reimbursed exactly as we hoped, within days of submitting the bills. We have enjoyed their efficiency and courtesy for ten years of mostly mundane and minor health issues (foxtails, UTI infections, allergies...) Their processing system is extremely streamlined and user friendly. We find their newsletters informational. And their customer service all these years has convinced us that they actually care about our girl. They have never let us down, but this time they really had our backs - and we deeply appreciate it. If you are thinking of getting pet insurance, look no further than 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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