Healthy Paws | Pet Insurance Review

I have been trying to decide between Petplan and Healthy Paws for my Papillon puppy. Both have comparable coverage, with PP being slightly better because it pays for more dental conditions and non-routine vet exam fees. Both also have generally good reputations. As far as rates, it gets tricky. Initial rates for the puppy were $37 for PP and $46 for HP. I almost bought PP but I thought I'd take a look at what the rates might be as the dog got older. It ends up that at 3 years, the current PP rate is $54, HP is $61 (90% and $250 deductible). But at 5 years, PP goes up to $84, HP is only $75. Then at 7 years, PP is $106, HP is $78 (both plans reduced to 80% coverage). At 10 years, PP is $92, HP is $63 (both plans reduced to 60%/$750 deductible). Bottom line is that PP was cheaper for the first 3-4 years, but then HP became cheaper. I've decided to go with HP, but everyone should make their own decision. I'm only giving folks something to consider.

My 9-year-old Cocker Spaniel, Charlie, tore both of his ACLs recently, much to our surprise. He has always been such a very healthy dog! Thankfully, he had been insured by Healthy Paws for over a year when this happened, so true to their word almost all of his surgery and related expenses were covered by them. It was so easy, too. They already had his medical records, so I just took a picture of the invoices for his care, used the app to send it and a few weeks after each of the two surgeries, I had checks in hand. I don't know how we would have been able to cover this expense so soon after his injury without this insurance. Totally worth the cost of the premium.

Based on my experience with HP, I was shocked to see how many delighted pet owners--100's! Wish I could say the same. After satisfying all requirements, my 2 year old Maltese mix got violently ill after eating from a new bag of Costco pet Food, necessitating several trips to her vet and emergency care. I submitted all required documentation and was told several times, I had to re-submit. Was stuff being filed properly? This went on for a couple of months. Many excuses. In the end, no real reimbursement. Was told, "We don't cover exams." Based on my experience I could not recommend.

I have had Healthy Paws coverage for three consecutive Jack Russell Terriers. My two-year-old was just diagnosed with Patella Luxation and would not use her back right leg. Major surgery was required including insertion of pins into her knee. This was quite upsetting but the best part was Healthy Paws and their quick response and coverage. No questions asked, they turned around the claim essentially overnight and issued a check for my full costs, minus my chosen deductible. They also emailed to follow up, asking about my puppy's well-being. This is not the first time they have come through in very short order, with full reimbursement under my policy. I would, and do, recommend them without qualification!

Healthy Paws took care of my 11 year old greyhound back in 2014, paid exactly what they said they would. Promptly, without a hassle and customer service was great when I had a question. Fast forward to 2017 when my other greyhound developed a limp. It turned out to be osteosarcoma in her proximal humerus. She's a very athletic, out-going middle aged girl, it was very early in the disease process, so I opted for amputation and chemo. Hospitalization for the amputation was supposed to be 3 days, turned out to be 5 days. No complications, but dogs who have been using the amputated leg without a problem take longer to acclimate to having 3 legs, but the prognosis for them is better because the cancer is caught earlier. Healthy Paws paid for the bill which was more than $5,000. That's on top of medication, several sets of xrays and a bone scan. Just as before, Healthy Paws has paid every claim quickly and kindly. I even received an email checking on my girl from the president of the company! I can't say enough good things about them, they have been great for us. I have the plan that pays 90% and they do. If I didn't have them I don't think I would have been able to extend my girl's life (either of them).