Healthy Paws Pet Insurance Review
Healthy Paws offers good coverage and a solid value for pet owners. There aren’t caps on payouts and conditions such as hip dysplasia are often covered, although there are age limits and waiting periods.
Our company receives compensation from partners seen on our website. Here's how we make money. Our research, news, ratings, and assessments are scrutinized using strict editorial integrity. Our editorial staff does not receive direction from advertisers on our website.
Key points:
- Healthy Paws offers pet insurance coverage for cats and dogs.
- healthypaws-ins-714-benflimitexact coverage is available.
- Healthy Paws earned a LendEDU rating of 4.26 / 5.00.
What we like:
Strong financial strength
| Monthly Premium | As low as $17 for cats and $27 for dogs |
| Deductible | $100 $250 or $500 |
| Reimbursement | 70%, 80% or 90% of annual costs |
| Age Restrictions | Minimum: 8 weeks Maximum: 14 years |
The upsides of owning a pet are many, but one of the downsides is paying for your furry friend’s care. Accidents and illnesses can wrack up big veterinarian bills, so many pet owners turn to pet insurance to offset the costs.
Healthy Paws is one company offering pet insurance. Healthy Paws receives high marks from consumers and makes low-cost coverage options available, but there are also some downsides to be aware of.
This Healthy Paws review will help you make the best decision on whether this coverage is right for you.
In this review:
- Healthy Paws Pet Insurance: Costs & coverage
- Pros & cons of Healthy Paws Insurance
- How to get a Healthy Paws policy
- How is the customer service for Healthy Paws Pet Insurance?
- Where to find Healthy Paws alternatives
Healthy Paws Pet Insurance: Costs & coverage
| Healthy Paws Pet Insurance | |
| LendEDU rating | 4.26 / 5.00 |
| Eligible pets | Cats & dogs |
| Maximum benefit | healthypaws-ins-714-benflimitexact |
| Deductibles | healthypaws-ins-714-deductrange |
| Reimbursement range | healthypaws-ins-714-reimbursrange |
| Monthly premiums | healthypaws-ins-714-premrange_m (Varies by pet and location) |
| Eligible ages to open a policy | healthypaws-ins-714-agelow – healthypaws-ins-714-agehigh |
Healthy Paws is a top-rated pet insurance provider. The co-founders of the company met through their work at a no-kill animal shelter, so there’s a true love for animals serving as a foundation for Healthy Paws Insurance.
The company is an A+ rated insurer, and unlike many other companies, they don’t require a claim form.
What does Healthy Paws Pet Insurance cover?
Healthy Paws covers a wide variety of different conditions including:
- Illnesses
- Accidents
- Hereditary and congenital conditions (limitations apply)
- Chronic conditions
- Cancer
- Diagnostic treatment
- X-rays
- Blood tests
- Ultrasounds
- Surgery
- Hospitalizations
- Prescription medicine
- Emergency care
- Specialty care
- Alternative treatment
Healthy Paws does not cover:
- Exam fees
- Pre-existing conditions
- Pre-existing cruciate ligament injury
- Preventative care (including vaccinations, flea and heartworm control, dental care, spaying and neutering, and anal gland expression)
- There’s no reimbursement for elective procedures, boarding, therapy, or behavioral modification or behavioral training
There are no caps or maximum limits annually, there are no lifetime caps, and there are no incident caps.
How much does Healthy Paws Pet Insurance cost?
The starting monthly premiums cost around $27 for dogs and $17 for cats. Discounts are also available to lower Healthy Paws pet insurance costs. For example, if you are a member of AAA, you can receive a 10% lifetime discount.
You can get a personalized pet insurance quote on the Healthy Paws website to see what you might expect to pay monthly and what your reimbursement rates would be so you can decide if a policy is worth buying.
Pros & cons of Healthy Paws Insurance
Pros
- The fact that there aren’t caps on payouts is one of the primary differentiators between Healthy Paws and other pet insurance companies. Other insurance companies may pay only up to a specified amount each year or per incident.
- Healthy Paws also offers more comprehensive coverage than many competitors. As long as a pet is enrolled before the age of six, conditions that are hereditary and congenital may be covered.
- For those covered through Healthy Paws, the plan structure is straightforward and it’s simple to submit necessary information for reimbursement because Healthy Paws doesn’t require a claim form. Everything can be managed online or using the company’s mobile app.
Cons
- For accidents and illnesses, the Healthy Paws waiting period is 15 days. For hip dysplasia, there is a 12-month waiting period for pets younger than six.
- If a pet is injured or gets sick during a waiting period, you won’t be covered. Any resulting health problems from an accident during the waiting period are considered a pre-existing condition and are excluded.
- Hip dysplasia coverage is not available for pets ages six or older at the time of enrollment.
- Exam fees aren’t covered.
>> Read More: Pet insurance with no waiting period
How to get a Healthy Paws policy
Getting a Healthy Paws policy is easy. Just visit the company website and input your pet’s name, breed, age, and location. After entering this information, you’ll be offered a policy quote.
You can then customize your plan’s reimbursement rate and deductible amount to get the coverage amount and premium you desire.
Next, you’ll need to provide some additional contact information and confirm the date of your pet’s last vet exam. You can then enter your payment information and initiate your policy’s waiting period.
Note that when you initially sign up, you’ll have to pay a one-time admin fee of $25, in addition to your first monthly premium.
Where is Healthy Paws Insurance available?
Healthy Paws is available in all 50 states.
How is the customer service for Healthy Paws Pet Insurance?
To contact customer service, you can visit the online Healthy Paws Customer Center. Using the online Customer Center, you can manage your policy, file claims, review the status of claims and update your billing information.
Healthy Paws is a paperless company, and all information is sent electronically. There is also a Healthy Paws Mobile App. And, with the Speedy Claims Payout process, you can take a picture of your vet bill and submit it online or through the mobile app.
Healthy Paws has an A+ rating from the BBB, and has an average of four out of five stars from customers. For the most part, customers seem really happy with the products and services available from Healthy Paws as well as with the customer care provided—although there are some outliers.
For example, one customer complained to the BBB because of increases in premiums each year. Other customers have described the customer service as problematic and complained of difficulty getting in touch with a customer service representative despite repeated attempts.
Where to find Healthy Paws alternatives
If you’re searching for pet insurance, Healthy Paws may be a viable option for you. Healthy Paws stands out from competitors because of low monthly premiums and no caps on claims payouts.
However, you should compare all your options before making a decision. Our guide to the best pet insurance companies will help you compare insurers to find the coverage you need.
You may also be interested in our comparisons of Healthy Paws vs. Trupanion and Healthy Paws vs Embrace.
How we rated Healthy Paws
Healthy Paws scored a LendEDU rating of 4.26 / 5.00. We rate pet insurance companies based on the weighted average of several data points, such as the company’s BBB rating and coverage amounts.
You can learn more about our methodology here.
Ms. Watkins,
you obviously do not have a pet insured with this lousy company or you have never filed a claim when you call in you are outsourced to the Philippines and spoken to by an individual whose native languages Tagalog four months their website has apologized for lengthy claims processing times phone calls take 30 to 45 minutes to be answered. Policies with a 70% coverage and a $1,000 deductible require approximately $1,300 to meet the $1,000 deductible absolutely horrible further half or more of the claims I’ve submitted somehow did not get received when they did then comes the request send us all the medical records and somehow those don’t seem to get received either I finally threatened to fly to Bellevue Washington to put the claim forms and medical records in their hands my dog’s medical providers were tired of faxing and emailing continuously this company also just not pay the veterinarians bill so it’s discouraging you from taking your dog to the doctor when it’s Hill roughly 60 to 70% of Americans don’t have $1,000 in the bank and they sure don’t have an extra $50 after paying the escalating premiums that this company charges I suggest that you and everybody else on the planet Google consumer affairs and see the one point five star rating of this company so they are not misled. The company will defend themselves by saying that everything is in their paperwork. Most reputable companies charge $1,000 deductible and $1,000 meets that deductible most every pet ensure Paisa veterinarian in encourages the good health for your pet most insurance companies will answer the phone within a reasonable. Of time and I know of no other insurance company that’s answered thousands of miles away in the Philippines by people who primary languages other than English this company should be euthanized
This company has very deceptive business practices.
I first purchased the policy for our Cocker Spaniel last Sept when he was 4 months old. With $250 deductible and 90% coverage, the premium was $41.74 per month. Now one year later they premium was raised to $51.76 per month. That is a 24% increase!!!
To make matter worse, the same coverage for the same age and breed of dog would currently cost a NEW subscriber only $39.66 per month.
When I questioned this, they just gave me double talk saying if I cancelled and re-enrolled I would have to worry about pre existing conditions…
It is clear this company takes advantage of current clients.
DO NOT DEAL WITH HEALTHY PAWS, by the time your pet may actually need it, the premiums will have become unaffordable.