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Healthy Paws pet insurance review 2020

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Consider a reputable company with fair rates for unlimited coverage.

  • Get a quote if you’re looking for solid medical coverage with quick claims.
  • Pick something else if you need a wellness or accident-only policy.

Dogs, Cats

Pets covered

From 8 weeks to 14 years

Age

$100

Deductible

Up to 90%

Reimbursement

Details

Average monthly cost $23.98
In-network only No
Types of policy Accident, Illness
Chronic disesase Yes
Cancer coverage Yes
Dental coverage Emergency

Expert review

Sarah George

Review by


Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

This pet insurance company provides solid coverage with unlimited maximum payouts for claims, a benefit you won’t find with too many companies. Despite its high coverage, we were surprised to find lower-than-standard rates, or you can pay an average amount for a higher reimbursement and lower deductible.

The main watchout with Healthy Paws is that several customers have found misunderstandings about what services were covered when filing a claim. Customers also received denied or delayed claims because they hadn’t turned in their pet’s physical exam records.

While customers should take care of this responsibility, customer service may not contact or send reminders about this requirement until a claim is filed. To avoid any problems, read through your policy in detail and send in your pet’s vet records after submitting your application.

This company’s solid coverage and fair rates are worth a quote for any pet owners. But if you need a different kind of policy or want to look at other companies, compare multiple pet policies to make the best decision.

What pet insurance coverage does Healthy Paws offer?

Healthy Paws gives you access to a wide range of accident and illness protection, including:

  • Diagnostics. These include X-rays, blood tests and ultrasounds.
  • Accidents. Pay the vet bills from injuries caused by your pet’s mishaps or other accidents.
  • Illnesses. Protect your beloved companion from illnesses that could worsen if untreated, like vomiting, stomach disorders, skin rashes or ear infections.
  • Hereditary or congenital conditions. Once you start coverage, if you discover a condition your pets had since birth, you can pay for any related medical expenses after satisfying any waiting periods.
  • Chronic conditions. You can also cover vet bills for prolonged conditions diagnosed after starting your policy, such as allergies, obesity or diabetes.
  • Cancer. Harbor peace of mind for your furry friend’s care if they develop this common condition.
  • Surgery. Worry less about the cost of pet surgery and more about how it will help your friend recover.
  • Emergency care and hospitalization. Say yes to emergency care without a doubt as to how it will affect your bank account.
  • Prescriptions. Put away your wallet and tap into your insurance policy when your vet prescribes medicine that your pet needs.
  • Specialty care. Take your companion to a specialized vet to deal with specific health problems, such as an oncologist, cardiologist or ophthalmologist.
  • Alternative treatments. Curious about going the holistic route? You can choose alternative or natural treatments such as acupuncture or hydrotherapy if you and your vet feel that’s best.

Did you know? Healthy Paws requires medical exams.

When signing up, the company requires you to submit a physical exam record from the past 12 months for pets under six years old. The time limit is shortened to within 30 days for pets over age six.

Medical exams are a common requirement. However, some Healthy Paws customers miss this requirement, leading to slow or denied claims in the future.

What extra benefits does Healthy Paws offer?

The company offers a few bonus features to animal advocates or those that need a little extra help with vet payments:

  • Donates to homeless pets. When you get a quote, the Healthy Paws Foundation makes a donation to nonprofit animal rescue organizations. The company has donated over $1 million so far.
  • Can pay vets directly. If you can’t pay the vet bill out of pocket for reimbursement later, you can call 855-898-8991 to request that the insurer pay the vet directly. This will depend on the vet’s willingness to accept a direct payment.

How much is Healthy Paws pet insurance?

With Healthy Paws, you can expect to pay $10 to $20 per month for your healthy cat or $25 to $45 per month for your young, healthy pup. To compare with other policies, you’ll find that Healthy Paws trends slightly less or right at the standard for its most comprehensive policies.

Healthy Paws pet insurance quotes

We compared quotes for these pet profiles in Georgia for a medium-sized dog or a cat. Your location can significantly affect your monthly rate because of local vet costs. An idea of this company’s monthly rates:

BreedAgeGenderAnnual deductibleReimbursementMaximumMonthly rate
CatDomestic shorthair2 yearsFemale$50070%Unlimited$10.26
CatDomestic shorthair2 yearsFemale$25090%Unlimited$16.88
DogMixed breed2 yearsFemale$50070%Unlimited$26.03
DogMixed breed2 yearsFemale$25090%Unlimited$42.73

Pros and cons of Healthy Paws pet insurance

Pros

  • No annual or lifetime limits. You won’t have to worry about reaching a maximum dollar limit if your pet needs extensive medical care or needs multiple visits, something you won’t find with many pet insurers.
  • Most claims processed in two days. Use the company’s convenient app to snap a photo of your vet bill and submit your claim.
  • Accepts pets well into old age. Some companies cap your pet’s age around 10 years old, but Healthy Paws allows pets to enroll up to age 14.

Cons

  • No routine care coverage. Other companies let you add coverage for preventive services, but Healthy Paws doesn’t give that option.
  • Mixed customer reviews. Although many customers give the company top ratings, Healthy Paws has seen problems with misunderstandings and poor communication. We recommend that you read your policy’s coverage in detail and ask questions up front before buying.

Healthy Paws pet insurance reviews and complaints

Healthy Paws holds an A+ rating with the Better Business Bureau (BBB), as of July 28, 2020. It’s also received a 4- out of 5-star rating from nearly 150 customers on its BBB profile.

On Trustpilot, the company is rated at a 4.7 out of 5 stars from nearly 600 customers. Healthy Paws regularly asks its customers to review the company on these sites, possibly leading to more positive reviews than normal for an insurance company.

However, Healthy Paws has seen 130 BBB complaints filed in the past three years, many of which involve misunderstandings between the company and policyholders for what medical services are covered. Several complaints involve slow customer responses to denied claims because the company didn’t have the pet’s physical exam records that are required when signing up for a policy.

How do I sign up?

You can start a quote and purchase coverage from its website. You’ll need to answer a few questions to apply:

  1. From the homepage, click Start a quote.
  2. Enter your pet’s basic information and age. Click See My Rates.
  3. View your quote and customize the reimbursement and deductible. Choose your preferred policy.
  4. If you like what you see, click Next.
  5. Enter your own contact details and payment information.
  6. Start your policy.
  7. Submit your pet’s recent physical exam records and complete your waiting period.

What’s not covered?

This insurer keeps a standard list of exclusions like:

  • Pre-existing conditions
  • Dental care, unless it’s dental damage from an accident
  • Elective or cosmetic procedures
  • Prescription food, vitamins or supplements
  • Behavioral conditions
  • Breeding or pregnancy
  • Neglect or preventable situations
  • Cremation or burial

Alternatives to Healthy Paws

See how this reputable company’s coverage stack up to other policies:

Name Product Pets covered Seniors accepted Hereditary conditions Chronic illness
Petplan
Dogs, Cats
Cover unexpected vet bills from emergency exams, injuries, surgery and more.
Embrace
Dogs, Cats
Enjoy extra benefits with coverage for exam fees, curable conditions and wellness visit reimbursement.
Pet Assure
Dogs, Cats, Horses
Save up to 25% on all vet bills including wellness and dental visits for as little as $10/month.
PetFirst
Dogs, Cats
Get coverage starting at $9 per month for cats and $15 for dogs. Talk to an agent at 888-738-0683.
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