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.
Learn more about Healthy Paws’ plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
I have been a Healthy Paws customer for more than 10 years. One of my dogs recently went through cancer treatment, and Healthy Paws' quick reimbursements made the "journey" easier and saved me so much money.
If you sign up for direct deposit (instead of having checks mailed to you), the wait from filing a claim to reimbursement is less than a week. Whenever I have experienced a delay, it's been due to one the following:
1) My invoice was incorrect -- for instance, the bill for a medication purchased on Chewy.com should be the one entitled "Final Details," not just "Details," because "Final Details" includes any discounts. (Once when I submitted "Details," Healthy Paws sent me an email asking me to submit an invoice with my claim, so I was very confused. Understandably, there are many types of bill headings, but the email could have been clearer. I had to call to find out what was wrong.)
2) Paperwork was incomplete -- always provide every page, even if the last page merely shows that you have a zero balance at the vet's office.
3) The claim needed medical records -- ask your vet for a pdf of the relevant medical notes so that you can attach them to your claim. After Healthy Paws knows about a pet's condition, you don't need to continue providing records regarding, say, the monthly medication.
The Healthy Paws' website is easy to navigate, so look at the list of plan exclusions and how reimbursements are calculated because it differs from human medical plans. I recommend calling to ask questions because the reps are helpful.
No insurance is perfect because a pet owner wants low premiums with full coverage. But, whenever I experience unexpected vet visits, I am always thankful that I have Healthy Paws. You never want to delay or avoid treating your pet just because you don't have insurance.
This is our second dog enrolled with Healthy Paws. Over the years we have had only positive experiences. The claims have been processed quickly and all claims have been paid promptly and according to the policy. And most recently, when our pup had some health issues and ER visits a Healthy Paws rep followed up to see how he was doing.
Having health insurance through…HealthyPaws-Rating
Having health insurance through HealthyPaws was one of the best thing we could of had done for our tiny fur babies. The claims are easy to file, the process is quick and every time we had called customer service we always got the most thorough answers to our questions. Highly recommend to any first time potential customers of HealthyPaw to register, won't regret it.
They made filing my first claim with my lab/husky mix a breeze. They let me know what I needed, how to submit info and when I would hear back from them.
They even checked up on Pedro a week later asking how we he was doing and it wasn’t a bot type of email. I appreciated that so much during a very stressful time.
I would have never thought that dealing with an insurance company would be easy, yet Healthy Paws has completely proven that wrong. When we adopted our dog at 6 months old, the first thing I did was research all the Pet Insurance companies out there. After a lot of research, I landed on Healthy Paws and I'm so glad I did. My pup has had some random issues pop up here and there that without Insurance would cost me and arm and a leg. With Healthy Paws, I submit the claim, and typically within 2 days, 80% of what's covered is back in my bank account. They have been such a lifesaver and on top of it, they are all so nice. When my dog got ACL surgery, I got an email just checking in on him to see how he's recovering. Couldn't recommend another Pet Insurance company more than Healthy Paws.
$15 – $90, 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 $100, $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.
