Healthy Paws Pet Insurance Reviews
Updated 1/18/18 by Dr. Pippa Elliot
Our veterinary team researched Healthy Paws coverage, cost, and customer satisfaction scores. They rated it the best plan for 2018 and customers agree: from Yelp to member forums, Healthy Paws reviews are higher than any other plan.
Our Final Grade
How Our Ratings Work
Healthy Paws Coverage
Healthy Paws is the only pet insurance that provides unlimited lifetime benefits with an annual deductible. This means that there is no limit on the number of claims you can file, and no cap on reimbursements. Your pet is covered for any accident or illness, for life. Period.
Annual deductibles mean that you only have to meet your deductible once per year. Other plans have per-condition deductibles, so you have to meet your deductible each time your pet has an accident or gets sick. This is a huge cost savings for you, and just one of the reasons that Healthy Paws pet insurance reviews are the best, 4 years in a row.
Healthy Paws policies cover expensive congenital and hereditary conditions, like hip dysplasia and heart defects. Other plans often exclude these from coverage or “include” them in their plans but deny claims after a pet parent has spent thousands in vet bills.
Healthy Paws automatically reimburses congenital and hereditary condition diagnosis and treatment, with no hassle. It’s another important reason why Healthy Paws reviews are the best.
Healthy Paws coverage also includes chronic conditions, like ear infections, allergies, renal failure, and cancer. These are ongoing and costly, but Healthy Paws will never deny a claim for treatment.
When your pet visits the vet for an accident or illness, Healthy Paws pet insurance pays for diagnostic treatment, testing, and prescription medications. If your pet requires surgery, they cover surgery and hospitalization. Puppy stepped on a bee? Emergency visits are included as well.
Additionally, if your pet needs specialist care for an illness like cancer, Healthy Paws coverage is there for that too.
Healthy Paws is one of the only providers to cover alternative treatments at no additional charge. Alternative treatments include acupuncture, chiropractor, physical therapy, and hydrotherapy. Other pet insurances charge extra for this type of coverage.
An important distinction between Healthy Paws and other providers is reimbursement method. Health Paws reimbursement is based on the actual veterinary bill. Some plans reimburse you according to a benefit schedule or “usual and customary” vet costs, which is usually based on the national average cost.
What does this mean?
Let’s say you paid a $500 vet bill to treat your dog’s ear infection:
- Your pet insurance reimburses according to a benefit schedule
- The benefit schedule indicates that $300 is “usual and customary” to treat a dog ear infection
- You chose 90% reimbursement when you enrolled, so your pet insurance will reimburse you 90% of $300, so $270. But you paid $500. That’s almost half of your out of pocket cost!
With Healthy Paws coverage, you would be reimbursed based on the $500 vet bill: 90% x $500= $450. Now that’s more like it! Makes sense why Healthy Paws insurance reviews are the best, right?
Healthy Paws is one of the only pet insurance companies to fully automate its claims process online. To file a claim, you simply visit the claims portal website or download the app on your smart phone. They have a high claims approval rating and fast turnaround time for reimbursements.
Healthy Paws pet insurance is the most reliable partner to help you pay for your pet’s health care.
Save with Our Healthy Paws Promo Code
We want your pet to have the best health insurance, so we’ve partnered with Healthy Paws to offer you a 10% discount on your monthly premium, for as long as you have the plan!
To redeem your Healthy Paws pet insurance promo code, click here or on any of the buttons on this page. The discount will automatically apply at checkout when you enroll for a new Healthy Paws policy.
What Do Healthy Paws Customers Say?
Consumers Advocate Rating: 9.8/10 (609 Healthy Paws reviews from customers)
“Healthy Paws is the best pet insurance, hands down”
Healthy Paws has been amazing to have for my two-year-old puppy, who has had his share of medical mishaps. The peace of mind I have knowing that my dog is protected is wonderful, and I recommend Healthy Paws to every pet parent I meet. One of the best decisions I’ve ever made for my dog.
Pet parent of 2 year old Lab
“Wonderful Pet Insurance”
I’ve never reviewed any insurance company before. But Healthy Paws has been so good to my accident-prone German Shepherd that I had to write this. They respond to claims immediately and pay everything as promised. Such a relief dealing with a company who treats my dog’s health as the highest priority.
Pet parent of 5 year old German Shepherd
Healthy Paws Gives Back
A portion of your monthly premium benefits their Foundation, which donates a significant portion of the company’s profits to provide medical care for homeless pets.
Steve Siadek, the company’s founder, spoke with us for almost an hour to answer all of our questions about Healthy Paws. Prior to founding the company, Steve managed a no-kill animal shelter. His energy and compassion for helping animals is reflected in the outstanding Healthy Paws reviews from customers and veterinarians.
Healthy Paws vs Trupanion
When we reviewed Healthy Paws vs Trupanion, we found that they have similar coverage. However, there are a few differences between their policies, and they all affect cost.
Healthy Paws has an annual deductible. Trupanion has a per-condition deductible. What does this mean? Here is a simple breakdown:
- Annual deductible: you pay one deductible per year
- Per-condition deductible: you pay one deductible per accident or illness
In March, your puppy chews up a toy and swallows a piece of rubber that must be surgically removed (ouch!). Then in June, he gets an ear infection (poor guy!).
If your puppy is covered by Healthy Paws and you chose a $250 deductible when you enrolled, you would meet your $250 deductible for the toy accident surgery and have a $0 deductible for the ear infection and anything else that happens that year.
If you enrolled in Trupanion and chose a $250 deductible, you would have a $250 deductible for the surgery, a $250 deductible for the ear infection, and a $250 deductible for any other accident or illness your puppy has. These add up fast!
Our Healthy Paws pet insurance reviews factor in how much you save on deductibles compared to other companies. That’s why we rate them #1.
Another important difference between Healthy Paws and Trupanion is price. We looked at sample quotes from Healthy Paws vs Trupanion to compare monthly premium prices.
For a 3 year old, neutered Lab living in southern California ($250 deductible and 90% reimbursement):
- Healthy Paws cost: $56.70/month
- Trupanion cost: $105.19/month
That’s almost double the cost for the exact same options! And the extra cost doesn’t get you or your pet any additional benefit, because Healthy Paws coverage is better than Trupanion.
Despite the huge price discrepancy, both companies offer similar coverage. But there is one key difference that may be essential for some pet parents: complementary medicine coverage.
Healthy Paws coverage includes alternative treatments, like acupuncture and physical therapy, at no extra charge. Alternative care comes standard with every Healthy Paws pet insurance policy.
Trupanion also covers alternative care but only if you add the “Complementary and Recovery Care Rider” to your policy. In the example of the 3 year old Lab that we used earlier, the optional alternative care feature would increase the monthly premium to $118.65.
As you can see, the cost savings of Healthy Paws vs Trupanion are significant. These 3 major cost differences are another reason why Healthy Paws pet insurance reviews are consistently the highest in the industry.
Healthy Paws vs Other Pet Insurance
- Pets Best
- Pet First
|Unlimited Lifetime Benefits||Yes||No||No||No||No|
|Covers All Illnesses & Accidents||Yes||No||Yes||No||Yes|
|Covers All Genetic Conditions||Yes||No||Yes||No||Yes|
|Includes Alternative Therapies||Yes||No||Yes||No||Yes|
|Type of Deductible||Annual||Annual||Annual||Annual||Per Incident|
|Financial Stability Rating||A+||A||A+||A-||A+|
Healthy Paws is Rated #1
Healthy Paws reviews made it the #1 pet insurance in 2013, 2014, 2015, and 2016.
The average customer rating is 9.8 out of 10.
Want to learn more? See a Healthy Paws Sample Policy.
Questions About Healthy Paws Pet Insurance?
Where do I Find Healthy Paws Promo Codes and Discounts?
There are several ways to save, including discounts for AAA members, friends and family of existing members, and multiple pet savings. We offer a Healthy Paws promo code link that gives you 10% off the cost of your policy for as long as you have it!
What does Healthy Paws cover?
Any illness, accident, or injury is covered by Healthy Paws insurance. Surgery, hospital visits, medications, blood tests, x-rays, and other life-saving medical treatments are all paid for with Healthy Paws coverage.
Are their any types of limits on coverage?
Healthy Paws pet insurance reviews are highest because there are no annual or lifetime limits on coverage. You can submit unlimited claims for any dollar amount, as long as your pet is enrolled. Like all pet insurance companies, Healthy Paws does not cover pre-existing conditions.
Are hereditary and congenital conditions covered?
Congenital conditions are birth defects and hereditary conditions passed down from your pet’s parents. These conditions can be expensive and difficult to treat, and may not show up until your pet is into adulthood. Healthy Paws coverage has no restrictions on congenital and hereditary health coverage. There is a standard 365 day waiting period for hip dysplasia.
What is not covered?
Healthy Paws policies don’t cover routine care and regular veterinarian visits. Flea prevention, heartworm treatment, dental care, and behavioral modification are examples of excluded treatments. Excluding preventative care keeps the cost of insurance low, and cost is just one of the reasons why Healthy Paws reviews are consistently the best.
How does my pet qualify for coverage?
If your pet is under six years old, a copy of its most recent veterinary visit is all that is required. For pets six years and older, a veterinary examination performed during the past 30 days will be needed. If you don’t have the necessary veterinary records, you will need to have your pet examined before being approved for coverage.
How do I contact Healthy Paws?
For claims, you can email [email protected] or fax: (888) 228-4129. You can send a letter or to submit your claim by mail at Healthy Paws Pet Insurance, P.O. Box 50034, Bellevue, WA 98015.
How long is the waiting period?
Your coverage begins at 12:01 a.m. on the day after enrollment. For accidents and illnesses the waiting period is 15 days after you enroll. For pets younger than six years old, there is an additional 12 month waiting period for hip dysplasia.
How much does Healthy Paws coverage cost?
The price of coverage for your pet depends on several factors, such as: age, breed, where you live and previous medical history, especially pre-existing conditions (which aren’t covered by any provider). When compared to other comprehensive insurance plans, Healthy Paws costs about the same but offers better payouts and fewer exclusions and lifetime coverage limits.
How do I cancel my coverage?
You may cancel your policy anytime by calling customer service at 1-855-898-8991.
How do I get a quote?
Instantly get your free pet insurance quote from Healthy Paws and you’ll also activate an instant lifetime discount if you choose to enroll.
Does Healthy Paws have an app?
Yes, Healthy Paws offers a free mobile app that lets you submit claims, update photos, update billing information, check the status of claims and review your policy. You can download the Healthy Paws App for iOS or get it on Google Play.
What about customer complaints?
Across the web, Healthy Paws reviews from real customers are mostly singing their praise. However, we did find a few negative Healthy Paws reviews. On Rip Off Report, one customer had trouble canceling his policy. Other customers complained about conditions not being covered or reimbursements being refused because they were pre-existing.