Healthy Paws | Pet Insurance Review

We’ve been beyond impressed with Healthy Paws. After reviewing all pet insurance options, it was clear to us that this is the absolute best. We’ve never had an issue with a claim and reimbursement is very quick. As with anything, read the fine print. I’d recommend them to anyone...you will not be disappointed!

Many people tried to talk me out of pet insurance when I adopted my dog. I was told it was a scam, that they didn't cover anything, and that as my dog aged, the premium would skyrocket. However, a few good friends told me about Healthy Paws and said they had wonderful experiences with them. After doing my research (including a rather lengthy call grilling a Healthy Paws rep on what they do/do not cover) I took the leap. I figured paying $45/mo would be like a savings plan for that inevitable day I needed a 5k procedure. I hoped that day would be many years off. Jump forward to the one year anniversary of adopting my 8 year old dog. He's rushed to the vet, who sends us to an ER, who sends us to a specialist vet hospital. $$$$$. I was panicking. I thought there was no way Healthy Paws would cover a $7500 vet bill when I had only had coverage for 10 months. I was sure there would be some loophole they'd find. Nope! After my $500 deductible, Healthy Paws covered 80% of the bills. (That's the plan I chose, you can choose your own deductible and percentage of coverage.) At the specialists hospital, whenever they would suggest another diagnostic test, I would call Healthy Paws and say, "but do you cover this???" After my third call, the kindest woman said, "You are covered for anything and everything related to this illness. We just want Louie (my dog) to get better. You don't need to call us for every little test." Sure enough, I submitted the bills and the medical records, and had a check in my hands 8 days later. Incredible, right? So jump forward another four months, and my dog is listless, vomiting, and has intense potty issues. I rush him to the ER thinking, "there's no way they're going to cover another emergency four months after the first one!" $4500 later, I was proven wrong. I had a direct deposit 5 days after submitting my bills and a lovely email from someone saying, "it seems like Louie's had a rough go lately. We're glad to be a part of his recovery." WHAT? Amazing. Recently my Healthy Paws anniversary rolled around and I received the email with my updated premiums. I thought, "here we go. Louie's rate is going to sky rocket, or they're kicking us out." Mind you, Louie is now 9 years old, a mess of a dog, and has cost this company about 10k at this point. My increase was $3 a month. THREE DOLLARS. That's it! I'd also like to point out that the New York Times recently did a story on how pet insurance is a scam, but specifically called out Healthy Paws (and Trupanion) for being on the up and up! I'm not a person of means, but I like to adopt the underdog dog (redundant?) With Healthy Paws, I can! Give them a try. You won't be disappointed.

My dog is thankfully healthy but recently had a accident that required a pretty serious surgery. He is family so we would have done whatever it takes to get him well but without Healthy Paws the financial burden would have been great. His insurance plan is worth every penny! They processed the claim without delay. We received reimbursement less than 2 weeks after his surgery AND they checked in to see how his recovery is going. Wonderful customer service, I wish human health insurance worked this great! I am thankful I chose Healthy Paws!

We are very grateful for how fast Healthy Paws has been with reimbursing the costs of our dogs treatment and ongoing medication for a condition I had never even imagined as a possibility. Epilepsy/seizures was such a scary and unexpected diagnosis for us but finding great medical care and having pet insurance has made a huge difference in working to manage his care and ease our fears over this diagnosis.

Ive always been skeptical about pet insurance but after spending over $30K out of pocket on a previous dog, I knew I must have it for all future pets. My cat was recently hospitalized for kidney/bladder stones and urethral obstruction for a week and had 2 emergency surgeries costing me close to $8000. Healthy Paws accepted the claims, reimbursed the promised amount promptly and even sent a personalized follow up email to check in on my kitty. Every time I contact them, they are friendly and helpful. I’d definitely recommend them.