Healthy Paws | Pet Insurance Review

I've had Healthy Paws pet insurance for my oldest cat since we got him as a kitten in early 2019. They have been incredible in providing exceptional coverage and care for all the unexpected medical events an a couple (fortunately minor) emergencies. I recently got a plan for my new kitten as well after years of nothing but good things to say! After getting neutered, a very minor surgery, my 8 month old kitten wouldn't eat and was not himself. What followed was a very stressful weekend of going from vet to vet for supportive care and next steps. We finally got a correct diagnosis: adverse reaction to anesthesia causing gastroenteritis. He was all set and back to normal after an overnight hospitalization with an amazing team and the right care for his needs. Through that horrible weekend, my husband and I didn't have to worry about the costs of our kitten's care because we knew Healthy Paws would help us. After roughly $4k in total expenses across multiple days and 3 vets, and having already met our deductible, we ended up paying $800 out of pocket in stead of $4000+. Healthy Paws is so fast to get through claims and answer any questions. On the phone, they've always been fantastic. I recommend everyone get Healthy Paws pet insurance and DO NOT WAIT. The sooner your pet is covered, the better. Trust me! The peace of mind when something unexpected happens is worth every penny of the monthly rate. They have different coverage options to help you find something that works. They will also reach out to vet offices for necessary records from claims you file so you're not chasing anyone around or playing middleman. Healthy Paws has even reached out to check on both kitties after their tougher experiences. I'm very grateful for their awesome service and care.

I have a Healthy Paws policy that reimburses 90% of covered expenses after a $500 deductible. My dog ingested something that caused a blockage in his intestines and nearly killed him. It required the services of an internal medicine specialist who performed surgery and was able to remove the blockage. He had multiple complications and was hospitalized for nearly a week. Ultimately, the charges were over $22k. Healthy Paws reimbursed me for 90% of the covered expenses, just like it was supposed to work. If I didn't have Healthy Paws, I would not have been able to afford the care I needed. The company was very responsive throughout the process and the reimbursement is in my bank account before my credit card bill is due.

My too smart for his own good dog opened a mason jar and ate a bunch of chocolate. At the emergency clinic you could tell the vet wanted to keep him overnight but was worried the expense would be too much. I said I have pet insurance and her whole body relaxed. My doggo got the best care, has no liver damage and is back to his old self. I received a reimbursement check within a week and can now pay off my credit card with zero interest. So thankful for Healthy Paws

I filed a claim for my dog in late January, I sent in all the documents they asked for numerous times, I called them several times a week and never got to speak with the same person, they denied the claim twice even though it was for a tooth extraction from a traumatic event which is clearly covered under the policy. I finally demanded to talk to a supervisor and the claims adjuster somehow didn't see the note from the vet that I had provided a few times. So it was finally resolved but I'm not happy. If I could remove all my 5 dogs from their service I would but they have pre-existing conditions so I'm stuck. Hopefully they will improve their services at some point.

Unfortunately, one of my cats has not been well recently. I have filed multiple claims - the first over a month ago. I have spoken/emailed SEVEN different representatives, and the issues are YET to be resolved. They keep claiming I haven't submitted his medical records, and I keep resending them. Please note, the first time I submitted his medical records was when I enrolled, and I spoke with a representative to verify I had submitted everything needed. They are now trying to claim he has a pre existing GI issue, which is absolutely untrue. They are going off the date of his first claim because they are not organized enough to realize I have submitted his records multiple times and had multiple representatives verify they received them. This is starting to feel like a scam. I am starting to feel like they are purposely being difficult in the hopes that I stop try, and they get to save money. I am so tired of having the same unhelpful conversation with each representative. I truly am appalled at how disorganized this company is and can't even wrap my head around how poorly trained their staff are. I am hoping this issue will be resolved promptly, but I don't think I'll hold my breath. But hey, here's hoping the 7th time will be the charm. In response to the reply: the first submission was indeed a line item record. I repeatedly submitted the rest of the records after I spoke to a rep in November and repeatedly throughout the claim’s process (once while actively on the phone with a representative, so she could verify it was what was needed). I finally took a screenshot of his most recent wellness exam (which I’d sent to records many times) and sent it directly to the claims rep and finally progress was made. The pre existing condition was removed from his chart, but boy was this a process. Update #2: I will say, when I finally got through to a manager, he was very helpful. My subsequent claims have gone much smoother and been processed quickly.