Healthy Paws | Pet Insurance Review

We’ve had Healthy Paws for 10 months to cover our Golden Retriever puppy. Unfortunately, we’ve had to file a number of claims this year due to multiple UTIs and cases of giardia. We were shocked when we received notice that our premium was increasing 45% after our first year ($55/month to $80/month). Our neighbors have a two-year-old Golden Retriever (same breed, same zip code) and he was much healthier this year. Their Healthy Paws premium increase was only 14% ($48/month to $55/month). The Healthy Paws states that premium increases are based solely on breed, zip code and age, and not on claim submissions. Based on our experience this is clearly false marketing. I have been trading emails with them this week trying to understand how they justify a 45% increase, and I have only gotten generic responses to the effect of “increasing costs of new technology,” “advances in veterinary care”, and “changes in policies”. Conveniently, last week, they removed the line “Rest assured, we will never penalize you with higher rates for making claims” from the website. If you choose Healthy Paws and you need to file claims be prepared to be penalized with excessive annual increases. We had budgeted to spend about $650/year for pet insurance, and after a year to keep our same policy/coverage they expect us to pay almost $1,000/year.

I have been a Healthy Paws member since February 2017 and I can safely say that signing up for their pet insurance program is one of the best decisions I have made in regards to caring for my dog. I have had to file claims on 3 separate occassions and in each instance the process was simple, quick and stress-free, allowing me to focus on the health of my dog. I was able to easily upload images of the invoices to the app and was promptly reimbursed 3 business days later. The annual deductible as opposed to a per incident deductible along with a 15 day waiting period for hip and knee claims differntiated Healthy Paws from their competition. These factors made selecting Healthy Paws as my insurance company of choice a no-brainer.

Signing up with Healthy Paws Health Insurance was the smartest thing I did when I got my puppy "Frog". At 7 months old, a health issue came up for Frog and his 80% coverage has been a life saver! Frog had the surgery he needed and I have been able to concentrate on his recovery without the stress of the financial burden. Submitting a claim couldn't be easier, reimbursement turn around is fast and the personal attention from their customer service department lets you know that Healthy Paws understands how our pets touch our lives. As I said, getting Healthy Paws insurance was the best decision I made for Frog.

I am extremely happy that I chose Healthy Paws Pet Insurance. I have my first puppy, Poppy, and she likes to eat everything! Well, she ate a piece of toy and needed to get an endoscopy to remove it. After everything settled, I filed my claim online which was very easy. They quickly informed me what information I needed to supply them. And right after getting that information, my claim was processed and got the check right away. I was very impressed. It was such a stress-free experience. Thank you.

I highly recommend this pet insurance company. The claim process is so simple, they don’t ask for tons of paperwork, cover everything I have submitted, and I am reimbursed straight to my bank account in less than a week. My lab was recently really sick and they even personally emailed me to see how she was doing. On top of a great insurance company, they are very thoughtful and hands on!