Healthy Paws pet insurance review 2025

Core Insights - Healthy Paws pet insurance provides basic coverage with notable gaps, including no coverage for dental illness and vet exam fees [1][5][20] - The insurance allows for direct payment to veterinarians, enhancing convenience for pet owners [2][16] - Healthy Paws offers competitive pricing, with costs 21% below the average for unlimited annual coverage [12] Coverage Details - Healthy Paws offers an accident and illness policy, excluding accident-only policies or wellness plans [7] - Coverage includes alternative therapies like acupuncture and chiropractic care, but excludes preexisting conditions and certain diagnostics [7][9] - The policy has an unlimited annual maximum limit, with deductible and reimbursement options influenced by the pet's age [6][12] Exclusions - Notable exclusions include dental care, behavioral therapy, and certain hereditary conditions [9][15][20] - Specific conditions like hip dysplasia have a 12-month waiting period, and existing injuries may lead to exclusions for other legs [6][15] Claims Process - Claims can be submitted via a photo of the invoice, and reimbursements are typically processed within two days [18][22] - Direct deposit is the fastest reimbursement method, while mailed checks may take up to 15 days [18] Customer Experience - Healthy Paws has a highly rated mobile app for managing claims and policy details, with ratings of 4.7 and 4.4 on Apple and Google Play stores respectively [19][23] - The company does not offer a multi-pet discount, which is common among competitors [13][33]