Healthy Paws Pet Insurance Review 2021 | Rated #1 For Pets!

By Sa El

Updated January 12, 2021

healthy paws

Our Verdict

4.9

Healthy Paws Pet Insurance is an excellent option for health insurance for your Dog or Cat.

They don't have any caps on claims and also give back to the pet community. They also allow you to apply online for coverage.

While they don't offer coverage for your pet outside of the country they are one of the best insurance options for your pet.  

healthy paws

Our Verdict

4.9

Healthy Paws Pet Insurance is an excellent option for health insurance for your Dog or Cat. 

They don't have any caps on claims and also give back to the pet community. They also allow you to apply online for coverage.

While they don't offer coverage for your pet outside of the country they are one of the best insurance options for your pet.  

Pros

  • Unlimited Benefits & No Caps
  • Coverage for Hereditary Conditions
  • Paperless & Fast Claims
  • You Can Visit Any Veterinarian
  • Every Quote Gives Hope™

Cons

  • Pre-Existing Conditions Not Covered 
  • No Coverage For Preventative Care
  • No Coverage Outside Of The U.S

Even though I don't currently have a pet, my husband and I plan to add a Doberman Pinscher to our family in the future.  

Once we get our Doberman the first thing we will be doing is getting pet insurance.

healthy paws pet insurance review

I never realized how important and sometimes fragile a pets health could be.

Since I understand how health insurance works for a pet parent, I immediately knew how pet insurance would work for our future Doberman.

However, I realized that it would probably be confusing for others who don't already have a good understanding health insurance and how it works. 

In this review today, I am going to show you how Healthy Paws Pet Insurance enrollment process works, what the policy covers, and why it's one of the best options when searching for pet health insurance for your Dog or Cat.

Who Is Healthy Paws Pet Insurance?

Healthy Paws Pet Insurance is an insurance agency that has partnered with ACE American Insurance Company.

ACE American Insurance Company has been around since 1945, and you probably have never heard of them.

However, on July 1st, 2015 they became the worlds largest publicly traded property and casualty insurance company with the purchase of the Chubb Corporation for $28.3 Billion.

After the purchase, ACE adopted the Chubb name globally.  

I have put their company disclosure in a quote block so that you can better view it.

*Disclosure - Policies are underwritten and issued by ACE American Insurance Company, Indemnity Insurance Company of North America, ACE Property & Casualty Insurance Company, Atlantic Employers Insurance Company, and Illinois Union Insurance Company, members of the Chubb Group. 

ACE Limited & Chubb Limited are rated (A++) Superior by AM Best

This is an important factor because when it comes to pet insurance, you need to know that you can rely on an insurance company and that they are financially sound.

THE SIMPLY INSURANCE WAY

Pet Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get pet insurance coverage within minutes of getting your quotes and applying.

Why Should You Care About A.M. Best?

While it is great that Healthy Paws is continuously rated #1 in customer service by all of the top review sites, what's even more amazing is that they have the Highest A.M. Best rating.

I like to think of A.M. Best like the JD Power of the insurance industry, they have been around for over 117 years.

They rate companies based mainly on their financial strength, which can be an indicator or claims-paying ability.

A.M. Best Ratings

#1 In Customer Service

Along with being backed by one of the most financially sound insurance companies.

Healthy Paws also has been rated number 1 several times from all of the top review sites for having the best customer service.  

Customer service is always an important factor, especially when it comes to purchasing something for our family members.

Check out a few customer reviews from Consumer Advocate:

From: Ali M. of Phoenix Arizona

"Healthy Paws has been taking care of my German Shepherd for many years now, and Caesar would not be where he is today without them. He had multiple hip issues that required a total hip replacement on both sides and Healthy Paws was always there to step in and help cover his medical expenses. They even covered him when he needed endless amounts of physical therapy and medication while he was recovering. He is living and walking pain free because of the excellent support that Healthy Paws provides. They are the best decision I ever made and all future pets will immediately get covered by Healthy Paws. I highly recommend them to any potential pet parent!!!!"

From: Jeannette of Baird, Texas

"We didn't expect we'd actually be using the insurance before our dog even turned a year old, but between some bad luck and a bird-catching pup, we added up the vet trips. I'm so glad we had healthypaws to help with those expenses! The process was easy, their customer service was excellent when I had questions and payments have been prompt."

What Makes Healthy Paws Different?

What makes Healthy Paws so different is that they offer no caps on claims, which is in essence, unlimited benefits.

Healthy Paws also covers hereditary & congenital conditions that other companies don't include or include with limited coverage.

INSURANCE WHERE YOU LIVE

Pet insurance by state.

What Gets Covered By Healthy Paws?

Healthy Paws has only one plan which is excellent; it stops you from having information overload.

Below is a list of things your pet gets covered for:

  • Illnesses
  • Accidents
  • Hereditary Conditions
  • Congenital Conditions
  • Chronic Conditions
  • Cancer
  • Diagnostic Treatment
  • X-Rays, Blood Tests, Ultrasounds
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Treatment

Annual Deductible

I am glad that Healthy Paws offers an Annual Deductible instead of a Per-condition Deductible.

"In Plain English." An annual deductible is a cost you pay per year for covered health care services for your pet before your insurance plan starts to pay

You only have to meet the deductible once a year, for whatever condition or conditions that may happen.

So:

Let's say you have a $250 Annual Deductible with 90% Reimbursement.  

It's the beginning of the year, and your pet has to go in for something like a chronic ear infection. 

This can cost around $3,750 to treat.  With your above plan this is how it would work:

You would pay the first $250.00 since that is your deductible and then you would only be responsible for 10% of all costs for the rest of the year.

So you would pay a total of $625.00 for the chronic ear infection.  At that point, any additional issues or conditions would be covered at 90%.

With a Per-Condition deductible, you would be in a situation of paying a new deductible each time something new came up.  

An Annual Deductible not only will save you more money, but also keep you from having to keep up with how many times a condition has happened when it's time to file your claim.

No Caps On Claims

Healthy Paws is the only insurance company that offers unlimited lifetime benefits with an annual deductible at no additional cost. 

There is no annual maximum for the number of benefits that can be paid.

If your pet had a really bad year, you wouldn't have to worry if they would be covered.

Once you meet your Annual Deductible, Healthy Paws will cover you for whatever Reimbursement amount you chose for the rest of the year with no caps. 

Some companies have your annual benefits maxed out at a specific amount.

For instance:

Some companies will only cover your pet for up to $10,000 in benefits per year.  

This means that if your pet has a bad year with accidents or illness, once the bills hit $10,000 the insurance company would no longer cover your pet for the rest of the year. 

You can understand that even though the premiums might be lower for your coverage on a month to month basis, your costs could skyrocket if you surpass your maximum before the year is up.

Lifetime Coverage

As long as you enroll your pet before the age of 14, your pet is covered with Healthy Paws for life, as long as you pay the monthly policy premium.  

The coverage will not lapse due to age or illness.

What Isn't Covered By Them?

Pre-Existing Conditions

Healthy Paws, like all pet insurance companies, does NOT cover pre-existing conditions.

They define them as shown in the below excerpt:

healthy paws

"A pre-existing condition means that the condition first occurred or showed clinical symptoms before your pet's coverage started (including waiting periods). Our pet insurance protects you against future conditions, and unfortunately, no pet insurance company can cover pre-existing conditions."

So: 

If your Cat or Dog is suffering from a condition, before you get your coverage, Healthy Paws will not pay out on a claim for that specific condition.  

All other conditions would be covered.

Preventative Care

Healthy Paws will not cover preventative care; this includes things like:

  • Spaying & Neutering
  • Vaccinations
  • Flea Control
  • Heartworm Medication
  • Parasite Control
  • Grooming
  • Nail Trimming
  • De-Worming
  • Titer Test
  • Dental Health (Unless It's An Injury)

Coverage Outside Of The Country

Healthy Paws will only cover your pet while you are in the United States and for a short time in Canada.

This is something you must be mindful of if you decide to take your pet out of the country.  

THE SIMPLY INSURANCE WAY

Pet Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get pet insurance coverage within minutes of getting your quotes and applying.

Reimbursement On Your Actual Bill

Unlike some companies, Healthy Paws is going to reimburse you based on your actual vet bill.  

Once you have paid your Vet, all you need to do is use the Healthy Paws App to send over a copy of the bill to be paid out on the claim.

Below is an example of how it would work:

healthy paws insurance

Fast & Paperless Claims

The Healthy Paws Mobile App is now allowing you the ability to just take a picture of your receipt and upload it to the app to file your claim.

This is a super simple and fast way to get the process started, no paperwork needed.

healthy paws mobile app

One added benefit is that if you add your banking details in the customer center, you can have your claim sent via direct deposit.

This is an impressive feature because now you no longer have to wait for a check to come in the mail, it's all seamless. 

INSURANCE WHERE YOU LIVE

Pet insurance by state.

Healthy Paws Availability & Policy Options

Annual deductible options of:

  • $100
  • $250
  • $500
  • $750

*Reimbursement level options of:

  • 90%
  • 80%
  • 70%
  • 60%

 *Choice will vary depending on pet’s age. 

Eligibility And Waiting Periods:

  • Lifetime Coverage For Dogs And Cats Enrolled Before The Age Of 14.
  • 15 Day Waiting Period For Accident And Illness. 
  • 12 Month Waiting Period For Hip Dysplasia.

Veterinary Exam Requirement:

  • Pets less than 6 years of age must have had an exam within 12 months prior to enrollment otherwise they must have an exam within 15 days from the enrollment date.
  • Pets 6 years or older must have had an exam within 30 days prior to enrollment otherwise they must have an exam within 15 days from the enrollment date.

THE SIMPLY INSURANCE WAY

Pet Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get pet insurance coverage within minutes of getting your quotes and applying.

How Much Does Healthy Paws Cost?

Just like how life insurance works, pets get underwritten on an individual basis. 

Therefore rates will vary based on your pet.

Below are some sample quotes: 

Sample Pet Insurance Rates For Dogs
*Rates based on a medium sized mixed breed dog with 80% Reimbursement & $250 annual deductible

Age

Monthly Premium

1

$30.65

2

$33.22

3

$37.86

4

$41.21

5

$45.33

6

$50.48

Sample Pet Insurance Rates For Cats
*Rates based on a mixed breed cat with 80% Reimbursement & $250 annual deductible

Age

Monthly Premium

1

$18.45

2

$19.95

3

$22.64

4

$24.58

5

$26.97

6

$29.96

Along with the cost of pet insurance, we also have to think about the cost of not having pet insurance.  

Check out this great resource about why you probably need to get your pet covered and how much money you can save. 

There is a waiting period of 15-days after your pets' policy effective date. 

The policy on your pet is effective 12:01 a.m. the day after you enroll your pet(s) with Healthy Paws Pet Insurance.

You can submit claims for accidents & illnesses that occur after the 15-day waiting period.         

Hip Dysplasia coverage is provided at no extra cost and is subject to a 12-month waiting period.

*Waiting periods do not apply to the states of Maryland and New Hampshire. 

THE SIMPLY INSURANCE WAY

Pet Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get pet insurance coverage within minutes of getting your quotes and applying.

Healthy Paws Cancellation Policy

Healthy Paws Offers a 30 Day Free Look period; basically, this is how we say a "30 Day Money Back Guarantee" in the insurance world.

If you have not filed a claim and decide to cancel your policy within the first 30 days, Healthy Paws will give you a full refund.

No questions asked. This is an excellent way to at the least get your pet covered and see if you like it.

Healthy Paws Offers a 30 Day Free Look period; basically, this is how we say a "30 Day Money Back Guarantee" in the insurance world.

If you have not filed a claim and decide to cancel your policy within the first 30 days, Healthy Paws will give you a full refund.

No questions asked. This is an excellent way to at the least get your pet covered and see if you like it.

How To Enroll (Video Review)

I created a quick video review of how easy it is to get your pet enrolled in the healthy paws pet insurance plan:

Every Quote Gives Hope™ Foundation

Healthy Paws has a solid foundation for helping pets.  It goes by the name Every Quote Gives Hope™.

Once you get a quote, you give medical care to a homeless pet in need.  When you get a pet insurance quote, Healthy Paws donates towards a homeless pet's medical care by making cash grants to pet adoption organizations.

You can check out all of the amazing stories and the pets that have been helped through this program here.

THE SIMPLY INSURANCE WAY

Pet Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get pet insurance coverage within minutes of getting your quotes and applying.

Taking Action

I know my Healthy Paws review is one of the longer ones out here.

However, I wanted to make sure that I gave as much detail & information as possible.

If you have been holding off on buying pet insurance for any reason,  I say give the 30-day free look period a shot and take the time you need to look over the policy and decide if it's the right thing for you and your family.

Just click here or on any of the above buttons to get started.


Sa El

About the author

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 12 years of experience in the industry.  He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. He is also an Official Member of the Forbes Finance Council, a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 12 years of experience in the industry.  He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. He is also an Official Member of the Forbes Finance Council, a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.

Sa El

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