Healthy Paws | Pet Insurance Review

My almost two year-old golden retriever has had more health issues than we can keep track of. We signed up for Healthy Paws shortly after we realized that we were dealing with an allergy-sensitive dog and likely had many more vet bills in our future. Every time I've submitted a claim I've received my reimbursement check within a week. Their customer service is excellent and there is no haggling for coverage. I also recently decreased my percent reimbursement that was to take effect next month. However, in the intervening time my golden was hospitalized with a gastric obstruction. Healthy Paws took the time to carefully review my account and reimbursed me at my original (higher) level since the lower reimbursement had not yet taken effect when the illness occurred. Not many insurance companies are that honest (pet or human!) I highly recommend Healthy Paws to any pet owner. The monthly payment is definitely worth the assurance that you won't be left with a huge vet bill in case of any emergency.

Our yellow lab Elvis had a run of summer troubles recently - jarred his shoulder at the beach and developed a limp - poor baby, if it was up to him he would go run after the ball all day - no matter how it hurt! His vet took xrays, he had medicine, all sorts of costly experiences. We submitted his bill - and were so happy with quick and immediate payment. Then he had some summer hot spots - more medicine! We got an email from Healthy Paws and I thought - oh boy, they probably want to drop him! But no, they asked how he was and for a photo! They have been a great partner in keeping him healthy and happy.

Our 8 month old German Shepherd Phoenix exhibited a limping in her left front leg. We took her to the vet where “pano” was indicated but while investigating that issue the vet discovered that the two lymph nodes on either side of her lower throat were greatly enlarged. Yikes!!!! He did a biopsy of one of the nodes along with extensive blood tests to try to find the cause. At this point we are not sure of the cause but have ruled out several of the more serious possibilities. The total vet bill so far is $1068.08. I submitted documentation for the claim by email on Monday 9/10. That same day, Healthy Paws went to work on the claim, asking for some additional vet notes directly from the vet. The vet supplied the notes on Tuesday 9/11 at which time I got an email from Healthy Paws indicating that the information was complete and the claim was being processed. On Thursday 9/13 I received notification from Healthy Paws that the claim had been processed in an email which included the explanation of benefits. Notice that the claim was already processed on day 4. So they are fast, but did they pay what the policy said would be paid? Yes, to the penny. My policy has an annual $250 deductible with 90% coverage. NOT covered is the exam fee of $36.50 (as stated in the policy), and so the calculation went as .9*(1068.08 – 36.50) – 250 = $678.42. So they are fast, pay what they are supposed to pay, but are they pleasant to work with? Yes, definitely pleasant. I have communicate

After reviewing other pet insurance companies,we decided on Healthy Paws for our Saint Bernard.Even over what our vet recommended.What a great choice we made.simply the BEST. On 09/04/2012 we took our Saint to the vet for an injured wrist and a diarrhea problem. Within an hour of getting home from the vet's we received a e-mail from Healthy Paws saying they had received our claim.2 hours later,another e-mail from Healthy Paws saying the claim was approved.Within 3 days we received the check for our claim.

Healthy Paws pet insurance has done an amazing job with handling my claim and sending me my reimbursement check. I received my check in 3 days. They even checked on my dog, Ruby, to make sure she's okay.