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Healthy Paws pet insurance is our #1 pick for best pet health insurance. Healthy Paws took the gold medal because it has a history of great customer service, annual deductible (vs per incident) and unlimited lifetime benefits. You get to choose how you want to pay by deciding your annual deductible and the percentage of the vet bill that you’ll be reimbursed for when you sign-up for your initial plan.
Healthy Paws also likes to give to those in need. Each time you get a quote from Healthy Paws they donate money to a homeless pet in need. Healthy Paws covers many services including genetic conditions like hip dysplasia, a condition that is rarely covered in the industry. Take a deeper look at our Healthy Paws Reviews to learn if they are the right pet insurance provider for you.
Help a homeless pet just by getting a quote… read more below about their Every Quote Gives Hope™ program.
Healthy Paws Review
- Annual deductible vs. per incident deductible
- Unlimited lifetime coverage so no annual or per incident limits on claims
- Pricing is generally the best value vs competition
- Your pet is covered when they travel with you in the United States or Canada
- High customer satisfaction
- Easy to submit a claim on the Healthy Paws app for quick claim reimbursement
- Most claims are in the mail within 3.5 days (first claims may take longer since they need to review your dog’s full medical history)
- BBB accredited with an A rating
- Great email response time
- Good CCL (ACL) coverage
- Veterinary exam fee and behavioral therapies are not covered
- Excludes hip dysplasia in animals enrolled after age six, so this might not be the best option for large breeds that are older than six. There is also a 12 month waiting period.
- There are age restrictions. (If pet is older than six you must have vet exam within past 30 days for enrollment. If not, you must get one within 15 days for the new policy to be effective.)
- Pets older than 8-years-old are restricted to 60% reimbursement and a $750 annual deductible
- 15-day waiting period for accident and illness
- No wellness plan
- Charges a one time $25 fee
Why Does My Dog Need Health Insurance?
The same reason you need it. Should an unexpected accident or illness arise you don’t want to find yourself with large vet bills asking you to pay large sums of money to get your dog back to 100%. It’s comforting knowing that if something does happen, you are able to help your pup without the cost of high unplanned medical bills. It’s nice having that financial support to lean on for help so that the emotional wear is a little less as well.
Services Covered By Healthy Paws
Here is a list of services that HealthyPaws covers and does not cover (as of April 2018). Services included are not limited to this list and are subject to change.
|Hospitalization||Anal gland expression|
|Cancer||Vaccinations, titer test, flea control, heartworm medication, de-worming, nail trim, grooming|
|Prescription medications||Dental health care (injury to teeth caused by accident is covered)|
|Diagnostic treatment and testing (x-rays, blood tests, ultrasounds, etc.)||Spay/neuter procedures|
|Accidents||Veterinary exam fees|
|Illnesses||Pre-existing cruciate ligament problems to one leg as respects the cost of future treatment for problems of the other leg|
|Congenital conditions||Parasite control including internal and external parasites|
How Does It Work?
After you pay for your dog’s treatment at the vet, use the mobile app to take a photo of your itemized vet invoice to submit your claim instantly. If you prefer pencil and paper, there is a claims form that you can print out and complete as well. Healthy Paws will process your claim and send you a reimbursement check. Most reimbursement checks are sent out within 3.5 days of when the claim is filed which is likely before your credit card bill even shows up, if that is how you chose to cover the cost until the insurance company paid you back. In May 2017, Healthy Paws is releasing a direct deposit reimbursement option as well.
Use this link and you will automatically receive up to a 10% discount. The actual discount varies based on individual state regulations. You can also visit our dedicated HealthyPaws promotions page to discuss current offers.
Is My Dog Eligible for Healthy Paws?
All dog breeds are eligible for Healthy Paws’ unlimited lifetime benefits. Dogs between the ages of 8 weeks and 14 years are eligible to enroll. Once enrolled, your dog is protected for the lifetime of the policy. Pets 8 years and older receive a 70% reimbursement level and $500 annual deductible without the other options due to increased risk of accidents or illness with age. Below is a table showing examples of quotes from Healthy Paws. You can put your pet’s information directly into their site to get a better estimate for your pet (use our link above for the best discount).
|Breed||Labrador Retriever||English Cocker Spaniel||German Shepherd||Yorkshire Terrier||Yorkshire Terrier||Yorkshire Terrier||Mixed Breed Cat|
|Age||2 years||8 years||4 years||6 years||2 months||2 months||2 years|
(zip code: 33601)
(zip code: 60290)
(zip code: 90001)
(zip code: 10001)
(zip code: 10001)
(zip code: 33601)
(zip code: 20001)
|Price Per Month||$38.84||$53.08||$57.84||$55.55||$31.55||$28.02||$19.30|
As shown above, things like location can change the price per month. In four columns we changed one thing to show how your monthly payments can vary depending on your reimbursement level, annual deductible, location, and age.
What If My Dog Gets Hip Dysplasia?
Healthy Paws covers expensive hereditary and congenital conditions under the condition that your veterinarian has not noted these clinical symptoms prior to obtaining Healthy Paws’ pet insurance. You must enroll your dog for lifetime hip dysplasia before the age of 6 for you to take advantage of this coverage. It’s important to know that there is a 12-month waiting period for hip dysplasia coverage from when you sign up with no related medical history to when your pet can be treated for it. Although there are some conditions that must be met to obtaining hip dysplasia coverage, it is a rare and great advantage that few pet insurance providers offer. Check out our hip dysplasia article to learn more about this condition, if your dog is likely to suffer from it and possible treatments for your pup.
Healthy Paws’ Every Quote Gives Hope Program
Healthy Paws donates toward a homeless pet’s medical care each time you get a pet insurance quote with their Every Quote Gives Hope™ grant program. Cash grants are given to pet rescue and adoption organizations for life-saving vaccines, medical treatments, and spay/neuter surgeries. By caring for these homeless pets, they are made more adoption-read since they are in good health and ready to go.
Healthy Paws’ Mobile App
The Healthy Paws app lets you take a photo of your pet’s veterinary invoice and submit your claim on the app. There’s no need for paper forms anymore. This is a faster and easier way to submit claims. The claims get processed quickly and a reimbursement is sent. You can download the iOS app for free via this link or the Android app here.
Opinions on Healthy Paws
We found real Healthy Paws customers’ reviews. Not only the good but also the bad so you could see both ends of the company. Since the dogs couldn’t share their thoughts we asked the pet parents 😉 .
I have 2 dogs insured with Healthy Paws since about 3 years ago. Fortunately, only submitted a couple of claims but their staff is always super helpful and understanding. The claim process was smooth and easy, and they were very clear on what they would/would not cover. I have no complaints. – J.W., BBB 4/19/16
From the first time we looked into the eyes of our new French bulldog puppy, I knew we needed pet insurance because we would do whatever our vet said she needed to keep her healthy. I researched several pet insurance companies and found Healthy Paws to be the best out there.
Five years later, I am so glad that we signed up with Healthy Paws! We thought our little girl was having seizures a few weeks ago. After 3 visits to our local vet, they recommended that we travel to an animal neurologist for further evaluation. They did an MRI which revealed a herniated disc in her neck that we are treating with meds & limited activity. We racked up thousands in vet bills that Healthy Paws not only paid 90% of, they also followed up to see how she’s doing! To get reimbursed, all you do is take a photo of the vet bill on your smart phone, hit submit, and you get a check in about a week! If they would only insure us too!!! – Greg W., Yelp 3/5/2017
Cancer is the highest disease related cause of death for pets each year making up almost making up almost 50%. Unfortunately, Baxter was diagnosed with cancer and his owners needed help financially. See how Healthy Paws helped this family in a time of need.
Definitely would NOT recommend Healthy Paws. The customer service was beyond awful. They canceled my pets policy claiming a payment did not go through which I did not find out until I was investigating a claim i’d placed. No one reached out to me to correct the error and now they are requiring that my dog be placed back on a 15 day waiting period although they are reading her policy over the phone and verbalized that she does not have a preexisting condition. IF YOU CARE SO MUCH ABOUT THE HEALTH OF YOUR CLIENTS LOVED ANIMALS YOU SHOULD SHOW THAT INSTEAD OF JUST COLLECTING MONEY LIKE ALL OTHER INSURANCE INSTITUTIONS! AWFUL!! I If I could give less then one star I absolutely would. My policy was clearly canceled because I filed a claim! Thank you Healthy Paws for absolutely nothing! – R.S., BBB 1/26/2017
Pet parents please be aware- stay away from healthy paws. Every claim we have filed has been denied due to pre-existing condition!! Do you know that allergy is a pre-existing condition? Think of us human-being, we all have some type of allergies but does our health insurance denies coverage because of allergy? Not to mention that they try to link every sickness my dog has had due to allergy!! Bleeding paws, bug bites, you name it!! NOTHING IS COVERED Because EVERYTHING IS DUE TO PRE-EXISTING!!! Did your claims representative get trained as a vet?? If not, please DO NOT diagnose my puppy!! This company is a total SCAM! Stay away! I want my money back !!! – Daphne W., Yelp 1/2/2017
What Are Your Healthy Paws Reviews?
Read our Healthy Paws review but still not sure if it’s the right pet insurance provider for you? That’s ok! You’ve got lots of options and you should always get at least two quotes to compare coverage and cost to find the best value for your family. Our Pet Insurance Reviews article compares Healthy Paws against many other providers to help you determine the best fit for you. If you’re thinking about getting pet insurance but still have some unanswered questions feel free to ask us! We’re here to help you and your pets live a better, less stressful life.
Do you have any questions about Healthy Paws plans and what they cover?