Healthy Paws | Pet Insurance Review

Healthy Paws is hands down the best pet insurance you can get. The customer service is amazing, on the phone and through email. They reached out to me after I submitted a surgical claim for my dog to check how she was doing. They've paid all of my claims within a week (even on a holiday weekend). They are affordable, especially for NYC. My rates went up after the first year and they are still affordable. I'm very satisfied with their service.

When my dog recently had a nasty bout of colitis and needed two emergency vet visits, a specialist visit, diagnostic testing and medications, I learned the value of pet insurance. HealthyPaws made it easy to submit the claims, kept me informed about my claim progress, and quickly reimbursed 80%. Thank you, HealthyPaws, for helping me get the best care for my four-footed furry friend! It made all the difference.

Do not recommend. While employees are pleasant and claims process fairly smooth, Healthy Paws' definition of "deductible" is inconsistent with what one commonly associates with the term in the insurance industry. They carefully define "deductible" in the policy to be the amount one must first pay AFTER your pet's coinsurance portion is applied"; thus your out-of-pocket spend is not 100% counted towards the deductible amount. For example, if you have if have a deductible of $750 with a reimbursement amount of 60%, in fact you must spend $1,250 ($750/.60) before reimbursement potentially kicks in. They multiply the percentage of reimbursement times your out of pocket and consider that amount towards the deductible; e.g., 60% x $1,000 (out of pocket) = $600 towards annual deductible. There are no disclosures making this clear. I never would have purchased the policy had this been more clear to me. After submitting only two claims, they raised my rates. Very questionable business practices. I have since switched insurers with even better rates!

Graycie our rescue pit bull mix had to have leg surgery on one leg then the other within just a few months apart. Healthy Paws paid the claims quickly. Not sure what I would have done without them. The claims are very easy to submit and they are very easy to work with. Very glad I bought Healthy Paws pet insurance!

Get health insurance for my dog is a great worth , specially giving quality life.