Healthy Paws | Pet Insurance Review

I signed up with Healthy Paws when I got my puppy in 2021. My monthly rate has increased by about $20 in the four years I’ve had it and my pup is very steady and is not accident prone, so I considered canceling earlier this year. Thank goodness I didn’t! She had a serious digestive issue which would have cost us $1600 in vet bills, Healthy Paws helped significantly with that and enabled me to feel comfortable pursuing further testing than I could have afforded on my own. About a month later my pup stepped on a bee and threw up. I decided to take her to the ER vet to be safe because I knew that I had insurance to help cover that, and thank goodness I didn’t! Anaphylaxis presents as GI issues in dogs and she was having a reaction from the sting that required immediate treatment. I was able to submit my claim from the vets office, and received updates and a clear breakdown of reimbursement within 24hrs. It’s been a little over a week and the Healthy Paws team reached out to follow up on how she is doing which I appreciated. Very grateful for their help in minimizing the stress that can come about from emergency vet care and the costs associated with it, it’s allowed me to be a better advocate and guardian for my dog.

My dog had a tooth extraction and the insurance claim process was super straightforward and easy. We received a reimbursement within a couple of weeks, without any issues or overwhelming paperwork. They even reached out to check in a couple of weeks later to see how my dog was doing, which was such a thoughtful and personal touch. We’ve been with Healthy Paws since Piper was a puppy, and they’ve been wonderful to work with!

I’ve been a loyal Healthy Paws customer since 2017. This month, my premium jumped from $268 to $1,430 — a 433% increase. No coverage changes. Just a new underwriter (Westchester Fire). Illegal? Perhaps. Unethical? Definitely. Shame on you, Healthy Paws.

Continued payment increases with excuses that costs have gone up in states, claims paid out exceed revenue brought in, and generally tone deaf customer service. No option to get exams covered either (for illnesses or injuries). Just the actual medication and any procedures. Other insurance companies are cheaper and have good ratings. Last increase was 30% year over year!

Healthy paws has helped me out multiple times with two different dogs. Their premiums aren’t cheap but neither is vet care, and when you need to run to the emergency vet and get emergency surgery for your loved one it’s great to know that no matter what Healthy Paws will have your back financially, allowing you to do what is best for your pet. Their claims process is straightforward and the processing times are fast. I highly recommend them to anyone with a pet!