Healthy Paws | Pet Insurance Review

I put in a claim on March 14 and it had been over a year since my last claim. I felt it was taking so long and I never saw a direct deposit in my account, so I got online and saw that the claim had processed and they marked it "closed", however,they never paid me $279.20, which shows the amount I am due. I looked at my account and saw that somehow my direct deposit was not listed in my portal account, so I put it back in and called Healthy Paws to let them know, explained what happened and told them I put my direct deposit info back in the system. It is now May 19th and I called again TODAY, and they told me it should take 10 days from the first time I called and that I should be paid by May 23rd. Seems like a very long time since direct deposit is a very quick thing to correct. I don't have a lot of patience for insurance companies that would cancel me in an instant if I didn't pay my bill, but take their darn sweet time when they have to PAY ME.

They are delaying the decision on the claim in every possible way. The first claim has been going on since November 2024, it is now May 19 2025 and still "in process". They are just dragging out time so that you continue to pay monthly. Ridiculous, we paid them for almost two years, our cat did not get sick, but broke a fang, insurance covers this case, our vet provided medical records and all the documents, but Healthy Paws kept asking for more and more documents, more exams, this lasted for three months, as a result, the claim was closed, in March 17th they received another veterinary exam what only they wanted for the claim. So for two months they have had all the documents what they asked but they only respond back that "review of the claim may take 10-14 business days"and repeat to ask us by email for the same vet docs what they have already! This company acts like a scammer. Tomorrow we will call to cancel this insurance and then send a complaint to BBB. P.S. The problem was fixed by London, Healthy Paws Customer Liaison Manager. The claim has been approved for payment at last. Thank you.

Healthy Paws is the BEST until your pet gets older and then the monthly charge is very high. Mine just went up to $841 from $110. Unfortunately my pet is older and too late to look at other rates. However, when your pet is younger, they are awesome. They pay very quickly and their customer service is wonderful and easy to reach.

They were very fast processing and reimbursing claims for my dog. they also reached out by email to see how my dog was feeling. it was very easy to upload copies of my receipts. I was very happy that I have the insurance to pay for the medical needs for my dog.

I filed my first claim for healthy paws pet insurance over a year after I enrolled my new dog. Throughout the entire time I have owned him, I have been diligent in submitting proof of soap notes from previous vet visits (one over a year before I submitted a claim and the other several months before). I also submitted proof of vaccinations as well as negative parasite tests. When Beau injured his leg and needed an xray, I filed my first claim. I was then told that there needed to be more documentation. I emailed back said documentation, but figured I should also call for good measure. The customer service department was unable to tell me what documents they had previously received. (I will note that any time I had submitted documentation I received an automated email). When I asked if I could speak to anyone who worked in the claims department I was told there was no phone number, and the only way to contact them was via email. When I asked for that email, I was given the general customer service email that can be found on the website… so not anyone linked to claims. All emails I have sent have only been answered with automated responses. When I went back and totaled up how much I had spent on this dog insurance service, I was dismayed to find that had I simply put the same amount of money to the side I would have been able to cover my dogs treatment. I think that this company goes out of their way to make contacting them difficult, and receiving information regarding you claim impossible. I hope someone reads this review and saves themselves the money or finds another honest insurance company that will actually cover new injuries.