Healthy Paws | Pet Insurance Review

I would tell people how much I’m paying for pet insurance a month. Literally everyone called me insane and told me it wasn’t going to work or my dog was too young I didn’t need to pay for it now. That was all before my dog got diagnosed with life threatening chronic disease at the age of 4. What it took for him to get diagnosed and treated for this disease was thousands of dollars spent in ER clinics visits and overnight stays. He will need to be on medication and receive monthly care and injections for the rest of his life. As a young woman looking to buy a house and start a family soon, that adds up very quickly. Thankfully I didn’t listen to anyone else and still paid my monthly pet insurance fees to healthy paws. After the first claim (reading through his 200+ page medical reports), I now get reimbursed within a few days. My pup is doing great now but he still has his moments when he’s not feeling great and I’m so thankful I don’t have to make the tough decision of getting him the care he needs or paying rent. Thanks to healthy paws, I can call the emergency vet clinic and how I’m going to pay for bills is not even on my mind. Healthy paws has definitely made a positive impact on how mine and my pup’s life is turning out. I don’t even want to imagine what position I’d be in without them.

very quick and responsive

Fabulous customer service, prompt and courteous replies and feedback if anything like extra paperwork is required. My baby, even though her senior years are right around the corner, we’ll grow old together. Healthy Paws has given this senior peace of mind knowing that they will always be there for the hiccups in our lives. Courteous, friendly and very responsive to all my questions. Thank you… Very happy pet owner.. 🐶🐾

I’ve had Healthy Paws insurance for my cat for 10-years, despite the premiums going up every single year. Last year’s increase was a full 20%. For years I’ve had a $500 deductible and 90% reimbursement rate. Last December, the month prior to renewal in January, the company unilaterally decreased the reimbursement rate to 70%. Their explanation for this was that “older pets sometimes needing more vet care”. Which is code for, “We’re increasing your premium by 20%, reducing your reimbursement rate, and you’re stuck with us because your pet has a pre-existing condition no other insurance will cover and we’ll just make sure we make more profit than we have to pay out”. It’s a disgusting and should be criminal act of profiteering. Fortunately for Healthy Paws, because I know all they care about is their profit margins, my cat has an aggressive form of cancer and pretty soon they won’t have to worry about reimbursing me for anymore vet care because she’ll be dead. At a time in her life when I’ll need to provide her with vet care in order to just be as comfortable as she can, I now have to factor in what I can and cannot afford for her care because her insurance company is more concerned about squeezing out every penny by refusing to reimburse me at the rate I contracted for and have been paying higher premiums for every year for a decade. It’s absolutely disgusting. Avoid this company at all cost.

I was a Healthy Paws customer for over 9 years, since my dog was a puppy, and added my second dog about 2 years ago. In that entire time, I never missed a payment. My payment card was compromised and had to be replaced. In the process of updating accounts, I didn't catch that Healthy Paws' billing hadn't been updated with the new card. I missed the notice they say they sent, and the policy was cancelled for non-payment. When I reached out, I explained the situation, asked to pay the past-due amount immediately, and requested reinstatement given my long, clean history. I called, I emailed, and I sent a written follow-up. Every response was the same: they could not reinstate the policy and I would need to enroll in a brand new one. Nine years of loyalty and a perfect payment record apparently counts for nothing the moment a single payment is missed for a documented, one-time reason. I ended up shopping for and switching to a different insurer entirely (for MUCH better coverage and CHEAPER!). If you're weighing long-term loyalty as a reason to choose this company, know that it won't buy you any flexibility when something goes wrong.