Healthy Paws | Pet Insurance Review

My dog had ACL surgery which was covered but not the vet visit prior (which included office visit, x-rays, pain medications, etc. which was over $400). I called to ask which physical therapy was covered and they could not answer that until my dog had the PT and I filed a new claim. I asked to speak to the claims dept and was told there isn't a live human being in the dept to speak to. What? Then how do you determine what is covered and what isn't? There are numerous types of therapy I just want to know which ones are covered. I was told my dog has to have the PT and after I send a final bill (Lord only knows how much that will be) then they will tell me if it is covered. Not cool.

Heathy Paws has been great. I’ve filed four claims in the past two months and all were paid exactly as the policy stated without question within a day or two. We have been very pleased with the service we’ve received from Heathy Paws.

SCAMMMMM!!!!! I will start this by saying I've had this insurance since 2015, when I first got Biscuit. They start you off with a decent rate but don't be fooled. The rate increases are often and expensive. They take more money but don't offer better coverage or more coverage. It went from $30 a month to now over $100 a month. Yet there are still many things they don't cover and they will fault you if your vet doesn't give them all forms from the visit. I used to be able to just send the invoice but now they want all the paperwork from your vet specifically. So basically charging you way more than they should and rejecting claims for no reason.

Quick and efficient reimbursement with a thorough explanation of benefits.

Monthly premiums keep going up well above competition. But they know you’re stuck with them if your pet had any condition that a new insurer might consider a preexisting condition.