Healthy Paws Pet Insurance Review

Our Final Verdict

We give Healthy Paws Pet Insurance a rating of 4.8 out of 5 stars.

 

Policy Coverage: 4.5/5
Customer Service & Reputation: 5/5
Claim Repayment: 4.6/5
Price of Policy: 5/5
Plan Customization: 5/5

Review Summary

Healthy Paws is one of the most reputable pet insurance providers, with their consistently high customer satisfaction rate being proof of that. The company is renowned for its comprehensive coverage, outstanding customer service, and efficient claims processing, with up to 99% of claims being processed within two days of filing.

What’s more, Healthy Paws donates to animal shelters and pet rescues across the country for every issued insurance quote.

One of the main attractions of Healthy Paws is the simplicity of their model, as there is only one plan, and it offers comprehensive coverage. However, there are some limitations to this model. For example, they do not offer 100% reimbursement.

They allow you to tailor a plan that reimburses between 70%-90% of your costs. Additionally, Healthy Paws has restrictions on hip dysplasia coverage, making their plan unideal to large-breed dog owners.

With that said, the Healthy Paws Pet Insurance has some unbelievable perks, such as having no caps on claim payouts. Additionally, they have minimal exclusions. Here is everything else you need to know about Healthy Paws Pet Insurance.

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Healthy Paws Pet Insurance – A Quick Look

Pros
  • No caps on payouts and claims
  • Genetics conditions covered
  • Single and very affordable plan
  • Claims submission via a mobile app
  • Option to choose a veterinarian
  • 30-day “free look period”
Cons
  • One-time administration fee ($25)
  • Longer waiting periods
  • No routine wellness or preventive care
  • Does not cover cremation or burial

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Important Features

Why Choose Healthy Paws Pet Insurance

Coverage

Healthy Paws has one of the most comprehensive coverages of any pet insurance provider and does so without placing a cap or limit on payouts. Their policy covers all types of accidents, as well as illnesses, without excluding congenital or hereditary conditions.

Their coverage also includes “special” services such as surgeries, advanced testing, emergency care, hospital stays, alternative therapies, and prescription medications. Unfortunately, this policy does not have a wellness plan. However, they will cater for canine hip dysplasia as long as it can be established that it is not a pre-existing condition.

Deductibles

Healthy Paws allows you to tailor your deductibles according to your financial needs. You can set your deductibles at either $100, $250, or $500.

However, as is the case with other types of insurance policies, lower deductibles will result in higher premiums. Nonetheless, most customers appreciate the flexibility that Healthy Paws offers them.

Reimbursement

As mentioned, Healthy Paws does not offer 100% reimbursement on your vet bill. However, they allow you to customize a reimbursement percentage. At the onset of your policy, you are given the option of choosing either 70%, 80%, or 90%. The reimbursement will be based on the veterinary bill.

As is the case with low deductibles, the higher the percentage payout, the costlier the monthly premium will be.

Healthy Paws usually compiles all covered treatments in a given claim and then reimburses your chosen percentage so long as you have met the deductible. This means that you will have to pay the vet out of pocket and then submit your claim to the company. In case you are not in a position to pay during the time of treatment, you can contact Healthy Paws and request them to pay the veterinary hospital directly.

Enrollment

For your pet to be eligible for enrollment, they must be between 8 weeks and 13.99 years old. For pets younger than 6 years old, you will need to provide documentation of a complete physical done within the last 12 months. For pets older than 6, the physical should have been done within the last 30 days.

Healthy Paws Pet Insurance_Coverage

What Does Healthy Paws Pet Insurance Cover?

As mentioned, the Healthy Paws policy does not cover preventative care or wellness. It is designed for accidents, injuries, and sicknesses. Here is a detailed breakdown of what is covered and what isn’t:

Covered
  • Medically necessary treatments
  • Diagnostic tests
  • Surgery
  • Hospitalization
  • Prescription medications
  • Emergency care
Not Covered
  • Pre-existing conditions
  • Dental care
  • Examination fees
  • Behavioral treatment
  • Boarding
  • Non-FDA approved supplements

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Customer Service

Many reviews cite Healthy Paws’ customer service as being exceptional. The company’s customer service staff are available from 6:00 am to 6:00 pm (PST) from Monday to Friday via phone and 24/7 via email. During weekends, you can reach the customer service staff via phone from 8:00 am to 5:00 pm (PST).

Healthy Paws Pet Insurance_Commitment to Customer

Pre-Existing Conditions

Like other pet insurers, Healthy Paws does not cover pre-existing conditions either. A pre-existing condition is any illness or injury that a pet has prior to the cover. This is why Healthy Paws requires all pets to undergo a complete physical before enrolling in the policy.

Waiting Periods

Healthy Paws requires you to wait at least 15 days after taking the policy for the coverage to become active. In the case of hip dysplasia, you will have to wait 12 months. Moreover, the company does not cover hip dysplasia if the animal was 6 years or older during the time of enrollment. It is worth noting that some companies do not have such stringent restrictions on hip dysplasia.

Pricing Quotes

To receive a personalized quote, you will have to head over to Healthy Paws’ website and fill in an online questionnaire, which will ask details such as your pet’s name, whether it is a dog or cat, the breed, month and year of birth, your location (zip code), and email address.

According to users, the monthly costs for dogs start at $25, while the price to cover your cat starts at just $15. As mentioned, you will also have to pay a once-off $25 enrollment fee.

The age of your pet is the biggest determiner of your deductibles and reimbursement amounts. It works like this:

  • For pets aged 5 years and under: $100, $250 or $500 deductible at 70%, 80%, and 90% reimbursement
  • For pets between 6 and 7 years old: $250, $500 or $750 deductible at 60%, 70% and 80% reimbursement
  • Dogs above 8 years old: $750 deductible at 60% reimbursement

Here is a great example:

American Shorthair Cat German Shepherd
Male or Female Male Male
Age 5 Years 2 Years
Location Oregon (97002) Los Angeles (90003)
Reimbursement Level 80% 90%
Annual Deductible $100 $500
Annual Maximum Unlimited Unlimited
Price Per Month $37.74 $41.80

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FAQ

Does Healthy Paws Pet Insurance Cover Other Types of Pets?

Unfortunately, Healthy Paws only covers cats and dogs.

Does Healthy Paws Insurance Cover Euthanasia?

Yes, it does. However, it does not cover cremation or burial expenses.

Healthy Paws Pet Insurance_Reviews

What the Users Say

According to most reviews, what most customers love about Healthy Paws is the company’s exceptional customer service and fast claims processing. The nonprofit ventures that Healthy Paws is heavily involved in is another major selling point for most people, as they appreciate knowing that they have played a role in helping animals in need.

However, there were a few negative reviews, with most pertaining to denied claims. Upon further investigation, most of the denied claims seem to result from not understanding what the policy covers, which is a common issue in all types of insurance.

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Our Verdict

Healthy Paws is one of the best pet insurance companies in the game, thanks to their affordable premiums, easy claims process, quick payout times, no cap policy, and great customer service.

However, this insurance might not be ideal for pets that require regular vet visits or preventative care, as the policy does not cover those things. Moreover, if you have a mature, large-breed dog, you should consider a provider with fewer restrictions on hip dysplasia coverage.

Check out some of our other pet insurance reviews: