Healthy Paws | Pet Insurance Review

We've been with Healthy Paws for a couple of years now. We have 2 chocolate labs, who are always getting into trouble! Last year we had an issue where our youngest pup ate a sock, which resulted in a very expensive surgery. More recently, we had to go through a series of diagnostic tests to figure out why our other pup was having reoccurring UTIs, which turned out to be a bladder stone. Thanks to Healthy Paws, we were able to get the needed services for our pets. They have been a life-saver with covering all claims we've submitted within a very timely manner. Their personalized emails following up after a surgery or other procedure has also shown their dedication to my family. I highly recommend Healthy Paws to anyone looking for a pet insurance company that offers a nice range of plans and deductibles, and who really care about the health and wellness of your fur-babies.

Last Fall we got a Mini-Schnauzer puppy. Shortly after we signed up with Healthy Paws. Last month our boy became seriously ill. He required extensive hospitalization and major surgery. In addition to the mental trauma this caused us - there was also financial concern as the treatment was extremely expensive. No need to worry- Healthy Paws delivered exactly as promised! And they did it quickly. I urge other pet owners to sign up with them. They are by far the best insurance company I've ever dealt with.

My wife and I recently lost our 9 month kitten to feline infectious peritonitis. We had recently purchased Healthy Paws insurance from a recommendation and took our kitten in to the vet during the Healthy Paws 15 day grace period because she had an eye infection. Silly us for trying to take care of our cat. After the grace period had passed, our kitten began to show very worrying symptoms unrelated to her eye. Over the course of the next few days, we took her back to the vet, and then escalated to emergency hospitals, etc. But FIP is incurable, and we were unfortunately not able to save her. After many tears, we started filing claims with Healthy Paws. Despite the pain of losing the kitten, my wife and I were glad that we had recently bought insurance. But it turned out that didn't matter. Even though the vet had not initially linked the eye infection to FIP, Healthy Paws decided that it was evidence of a pre-existing condition and denied every single one of our claims related to our kitten's illness and death. They said they were very sympathetic to our loss, but still denied the claims. No doubt Healthy Paws will respond to this review with all kinds of excuses. But the fact is that as responsible pet-parents we took our kitten to the vet for a minor eye infection during the Healthy Paws grace period and Healthy Paws decided that was enough to deny all claims. We would have been in a much better situation if we were irresponsible and just let our kitten suffer the eye infection until the grace period was over. Then Healthy Paws couldn't have claims a pre-existing condition. My take-home is that Healthy Paws is a great idea if your pet gets physically injured and they can't find a shred of evidence that the injury has any historical basis. God help you if your pet gets a disease of some kind, even one that's fatal.

I am not someone who typically writes reviews; but, Healthy Paws is such an amazing company that I want to shout it from the rooftops! I rescued a kitten, Murphy, last summer, and knew that veterinary care was part of being a responsible pet owner. As a graduate student, my income in very limited. Thus, I started researching pet insurance companies almost immediately. After thorough research, I settled on Healthy Paws because: (1) Premiums cannot be raised based on how many claims you submit, (2) There is no lifetime limit on coverage (this is especially important given the lifespan of cats), (3) You can visit ANY veterinarian you want (including specialists) and be reimbursed based on your specific bill... Not predisposed charges set by the insurance company, and (4) It's also a foundation that helps homeless pets. I chose the $100 annual deductible with 90% reimbursement. Signing up was incredibly easy, and my monthly payment is so reasonable for the comprehensive coverage being offered. Now, I will admit that there was a part of me that felt like Healthy Paws might be too good to be true. In the back of my mind I always wondered if, come the day I actually needed to use the insurance, my claim would be denied based on some loophole I was unaware of. Well, fast forward to about six months into our policy. We noticed Murphy had stopped eating, and new he needed to be taken to a veterinarian immediately. I checked Healthy Paws' iPhone app, which has an incredibly transparent and helpful FAQ section, while I was in the waiting room to ensure that everything regarding this visit would be covered. Murphy had to be hospitalized overnight, and several diagnostic tests and medications were administered. All in all, Murphy's visit cost $1200.00. At checkout, I asked for an itemized receipt and uploaded it to Healthy Paws' iPhone app for reimbursement. To my amazement, the claim was processed and approved LESS THAN 24 HOURS later. Healthy Paws literally covered every service from the second they took Murphy back from the exam room. I received the reimbursement check in the mail in about 4 days, and the sweetest follow-up email from Healthy Paws' customer service department checking on Murphy. This company's integrity and customer service is TOP NOTCH. I can't convey the peace of mind this policy gives me; I know now that I will be able to provide Murphy with the best veterinary care for the rest of his life without having to compromise on his treatments or worry a

Healthy Paws response time is unbelievable. No sooner do I make my claim but I get an email acknowledging such. A day later or less I get a notice that my claim has been processed and completed. At that point I can see how much my check will be. Since I know the particulars of my policy, it never differs from my estimate. I have a $100 ANNUAL DEDUCTIBLE with a 90% co-insurance plan. It is reasonably priced compared to other programs including ones offered by my veterinarian. My vet actually now sends in my claim directly from their office to speed up the process. However, I can make the claim myself from my cell phone or just scan it in and make it on-line. The staff is great. If you have a question they have an immediate polite, friendly answer. They are not doing you a favor by answering the phone.