Healthy Paws | Pet Insurance Review

I've generally had a good experience with Healthy Paws over the years. They are prompt in processing most claims, and if they don't have enough information, they will immediately reach out. They'll cover most things that are not related to wellness, and are upfront about that. I've personally had everything covered under their policy reimbursed without any major issues. The minus one star is for the following reasons 1. When you sign up for a coverage level, you expect to maintain that level of coverage for the duration of the policy. Within the past year, Healthy Paws has down graded policies from the original coverage level. Ie I was covered under 80% reimbursement with a $250 deductible, but they've downgraded my coverage to 70% with a $500 deductible. There is no option to be grandfathered in with your original plan, while new accounts are stuck with the reduced coverage. This further sucks because if your pet has any pre-existing issues, it limits your ability to shop around as a result of this reduced coverage, which the pet insurance companies are aware of. Due to the reimbursement calculation issue mentioned in my next point, this downgrade means significantly lower reimbursement, while still paying more in monthly fees to keep the policy with forcibly reduced coverage. Overall, beware if you sign up, because they may very well do this again in the future. 2. The reimbursement calculations are not intuitive. Ie if you have a $1000 vet bill, with all eligible items, the reimbursement calculation is (1000*0.8)-250=550. As opposed to the expected (1000-250)*0.8 =600. 3. If they send you an email requesting more information, and you promptly submit it, they don't usually tie it to your active claim and put it back into the claim assesor's queue, even if you got an initial confirmation email that they received it. A quick phone call is usually all it takes to remedy this and make sure they have what they need, but you shouldn't have to call to have them link requested information with active claims and to then put it back into the claim assesors queue.

Reimbursement was quick and much appreciated.

Quick response time

Once your claim is submitted they promptly review it and pay the claim in an extremely short time. Also there to answer questions!

Outstanding service. They are organized, compassionate, and professional. Claims are dealt with fast and are extremely easy to file.