Healthy Paws | Pet Insurance Review

I will attempt to make a very long winded review as short as possible. I have had dogs my entire life and for most of that time I was aware of pet insurance but I though it was a bit of a scam, meaning that it really only paid for emergency type problems and that it was not worth the cost. Fast forward to May 2020 and I get a new puppy and the woman I am dating also has a dog and she tells me about Healthy Paws and how great it is. I get the insurance for my new puppy Ruby. Healthy paws covers pretty much everything but exams, preventative medication (flea, tick, etc.) and vaccinations…. Everything else is covered. So now the long part of how much Healthy Paws helped us. All of the ordeal I am about to go into was covered by Healthy Paws except for our deductible which was 20% and any exam fees. We calculated the payments from Healthy Paws to be around $35,000 over the course of this single problem. In early 2021 Ruby started to have on and off vomiting, so we took her to the vet who did x rays and found no real problem, they though it was viral. The vomiting continued on and off a bit more so we took her to another vet for a second opinion. This vet ran bloodwork, did x rays and an ultrasound and still did not find anything. Fast forward a few weeks and Ruby vomits blood so we take her to a third emergency vet who does an x-ray and an ultrasound and discovers that Ruby had part of a squeaker toy in her large intestine and it has perforated her intestine. It more than likely was in her stomach since she started vomiting but did not show up because it is clear plastic. When it finally made it past her stomach and into her intestines it because stuck because of the size and then perforated her intestine has her body tried to work the squeaker through her GI track. Ruby had emergency surgery that day and a blood transfusion to help with the blood she lost, she spent 2-3 nights at the vet recovering and was doing okay. Because of all the blood Ruby lost she was anemic after the surgery so she required blood test every few days. As we had test, the vet noticed that Rubys red blood cell (RBC) count was not improving. After a week or so of additional testing, it was determined that the area on her intestine where it was cut and sutured by the vet had separated and the sutured needed to be restitched, so Ruby goes back in for a second surgery. Ruby recovered okay for the second surgery but still was anemic with no improvement in her RBC count. We took her to three different vets (our regular vet, the emergency vet, and University of Pennsylvania Vet school). None could find a reason why Ruby was still anemic other than the assumption she had a slow bleed from her surgery site that they felt would eventually heal. At this point we are in July of 2021. Over the next 7-8 months ruby required 3 more blood transfusions, several ultrasounds and 30+ blood test to check her RBC count and other values. Here we are today in March of 2022 and Ruby is almost back to normal. She still is requiring monthly injections of iron and monthly blood test to monitor her improving anemia and RBC count. Everything I mentioned above was covered by Healthy Paws and reimbursements to us were often made the same day, I do not think we ever waited more than 3 days for a reimbursement of a vet bill. Healthy Paws also never questioned any of the bills and we never were required to get preauthorization for a specialty vet or surgery. The only time Healthy Paws ever had anything to say about the bills we submitted was them checking in to see how Ruby was doing and wishing us well. Long story kind of short… get pet insurance. Without Healthy Paws we would have had to make very hard decisions about continuing Ruby’s care due to the cost, as the bills were $40,000+. We would have either burned through a lot of savings/gone into debt or had to put Ruby down. Fortunately we avoided both of those situations because I purchased pet insurance when ruby was a puppy. The only suggestion I can give outside of getting pet insurance through Healthy Paws is to get the lowest deductible possible which I think is 90% coverage (10% co pay) and get it on any puppy as soon as you can.

Stay away, they will find every excuse in the world not to pay a claim, My dog had protein allergy prior to opening the policy with them, and now they tag everything as "allergy" so it's considered pre-existing, las two claims was for yeast infection in his year, first they declined saying they needed the "date of service" which by the way was on the invoice given by the vet, spent a lot of time calling them and they said they were just going to get it from the vet... and then i went online and it was declined again saying it was pre-existing lol.... unreal! they give you the run around so you get tired of calling, i paid them every month on time and they never covered one single claim... not worth the aggravation. I just canceled my policy and will dispute the last charge and will talk to my lawyer about this. Trust me, STAY AWAY from this!!!

We signed up for Healthy Paws insurance right after we rescued our puppy in October 2020. I did my research before deciding who to pick, and I am confident I made the right choice! Submitting claims is easy and the turnaround is quick. If you sign up for direct deposit, you get your money faster. I haven’t had any issues with claims being processed, and none of them have taken more than a few days. Customer service has been very helpful, and is available to answer questions quickly. I would definitely recommend Healthy Paws pet insurance.

We signed up for Healthy Paws insurance right after we rescued our puppy in October 2020. I did my research before deciding who to pick, and I am confident I made the right choice! Submitting claims is easy and the turnaround is quick. If you sign up for direct deposit, you get your money faster. I haven’t had any issues with claims being processed, and none of them have taken more than a few days. I would definitely recommend Healthy Paws pet insurance.

We used Healthy Paws for health insurance for our Great Dane, Luna. We bought the insurance for her at birth and didn't use it for a few years, but then around age 4, she developed pneumonia, which required a short hospitalization and IV antibiotics. Then at age of 6, she tore her CCL. Healthy paws covered all of these treatments, a full CCL repair surgery (which is NOT cheap), AND her post surgery physical therapy. I've never encountered an insurance company that was so seamless and easy. Claims are processed quickly, and I've never been asked for extra documentation or had a denial. (Why can't human insurance be this easy?!) Luna is a happy and healthy girl now due to Healthy Paws. We will be using them for all future furry family members :)