Healthy Paws | Pet Insurance Review

BUYER BEWARE: I enrolled this morning, and the quote that was generated gave me a price for a plan that was supposed to give an 80% reimbursement, only have $250 deductible, with no max payout limits. However, once I finished setting up payment info and creating my account, I decided to take a look at the policy details. The plan that was given to BOTH my pets was only 70% reimbursement, had a $500 deductible, and no mention of no max payouts (which I assume means there's probably a fairly low cap on the maximum payout as well). In short, a totally different plan from the one I paid for. Called customer service, was hung up on. Called again for a supervisor, and he told me the one they were enrolled in, the lower tier, was the only plan available. Excuse me- probably a silly question on my part, but if the 80% plan wasn't even available for my pets WHY DID YOU ADVERTISE AND OFFER IT TO ME? I believe that they are intentionally defrauding their customers. Please consider other insurance. Customer service was booty, too. EDIT: I want to respond to their response so everyone can see and isn’t fooled. All of the info they described- my zip code, pet age, etc. was entered prior, rendering their response totally useless. The issue, to be clear, is that after generating my quote, selecting the plan, and making payment, I was automatically shifted to a lower, less desirable plan but still paid the same premium that was quoted for the higher plan, Do not fall for their attempts at misguidance in the above reply, I have photo and video evidence of the FRAUD that is occurring from this business.

Healthy Paws makes it so easy to file a claim and the turnaround time is so fast. I highly recommend them.

The most unhelpful pet insurance company when your pet gets sick! I joined Healthy Paws in 2018 when my premiums were around $30 something and their claims process was much faster. This year, Nov 2021, I submitted a claim to get reimbursed for my dog's MRI procedure. I've been going back and forth via email and phone calls about missing medical records since we adopted him Dec 2017. After I thought i submitted most of our historical medical records, suddenly they closed my claim saying "Missing Medical records from all of your pet's veterinary visits prior to 04/2018. Missing Medical records from the enrollment exam between 2/10/2017 to 2/24/2018" First NOT one customer rep told me about this detail. Second, I told them numerous times that we don't have medical records for most of 2018 since he had no health issues during that time. On top of that, our premiums have increased by 20% each year. Healthy Paws makes it so difficult to get reimbursed and denies your claim for silly reasons like "we don't have enough medical records" dating back to caveman times! They love delaying payment and trying to find if your pet has a pre-existing condition! I'm beyond disappointed and frustrated with this company!!!

So happy I purchased pet insurance. After our dog was hit by a car we had over $9000 in vet bills. Healthy Paws made it very easy to file claims and we were reimbursed in 3 days.

Claims are very easy to file and reimbursement received within 3 days