Healthy Paws | Pet Insurance Review

We have used Healthy Paws for over a decade and have been very happy with our experience. Whenever our dogs have an unexpected vet need, the process to submit invoices/vets notes is easy, and the reimbursement prompt. Through our first dog who liked to grow lumps and bumps and ultimately had a splenic mass that took him. But the 20k+ of vet bills when we tried the surgery, ICU stay and 4 weeks of vet visits was covered and we never had to think about the cost of trying to save our favorite boy. Our girl had a vaginal abscess (likely from a foxtail) when she was a baby, sedation, I&D and post-op covered; crying uncontrollably over a paw scratch when she had her first period (X-rays and stuff to ensure she wasn't dying contrary to her belief) covered; recently got attacked by an animal, again, didn't think twice about going to the emergency vet at 10p to get her fixed up. And Healthy Paws reimbursed our subsequent follow-ups with the vet. They also sent a lovely condolence card when we lost our boy and a followup email to see how our girl was doing when we had repeated visits after the animal attack. It doesn't cover everything but I don't want something to cover the usual vet visits/shots, those I already plan for. Pet insurance is for when the worst happens so I don't even have to think twice when the doctor quotes a 10k surgery/ICU stay. Our vet doesn't even bother giving us price quotes anymore because we always tell him to do what he needs to do and we know we will be well covered by Healthy Paws.

We have had Healthy Paws pet insurance for our last two dogs, Winnie and now Grace. Particularly in the roughest moments, we have been very thankful we chose Healthy Paws for our pet insurance needs. Having our claims processed fairly and efficiently has been so helpful as we have navigated tough health situations with both dogs. We are very thankful we have found a pet insurance we can count on with no lifetime limits and transparent and consistent claims processing. This ensures we don't have to choose between our pet and our financial security if tough health situations happen.

The premium rate jumps when your pet turns 9, it more than doubles. I’d heard warnings from others about this, and unfortunately it is true. If your pet has any preexisting conditions you feel trapped. While you can adjust your deductible and reimbursement percentage, the increase is so steep you have to minimize your coverage to get to a reasonable increase. For a 15% increase I’d have to move to $1,000 deductible with 50% reimbursement. There are many more options out there for pet insurance which won’t double/triple/quadruple (when your pet is 12) your premium. If only I’d done more research before purchasing. This insurance is fine unless your pet ages. Which is what we all want, for our besties to live very long happy lives. My best advice is to research other pet insurances, and ask others with the insurance if they received huge rate increases when their pet turned 9+.

I’ve been with Healthy Paws for almost two years now. My dog has had a few issues during this time. They are the easiest and most responsive insurance company I’ve ever dealt with. I can’t recommend them enough.

We have had Healthy Paws pet insurance for our last two dogs, Winnie and now Grace. Particularly in the roughest moments, we have been very thankful we chose Healthy Paws for our pet insurance needs. Having our claims processed fairly and efficiently has been so helpful as we have navigated tough health situations with both dogs. We are very thankful we have found a pet insurance we can count on with no lifetime limits and transparent and consistent claims processing. This ensures we don't have to choose between our pet and our financial security if tough health situations happen.