Healthy Paws | Pet Insurance Review

From 2016 to April 2020 I had a Healthy Paws policy for my late dog, Jiminy. The ease of filing claims via the Healthy Paws App and responsive customer service representatives and reasonable premiums led me to recommend Healthy Paws to several friends. I did so even after Jiminy’s premiums increased from $48 per month to $62 per month. He was an elderly dog with an increasing number of health problems so the increase seemed fair. After Jiminy passed away, I adopted another rescue dog, Daisy, and purchased a Healthy Paws policy for her. I provided Healthy Paws with all of Daisy’s veterinary records from the adoption agency and provided records of all her vaccinations and wellness checkups after I adopted her. Healthy Paws did not have to pay any claims for Daisy from October 2020 until October 2021 when she had surgery to repair a cherry eye she had developed in July 2021. When I filed the claim on October 8, Healthy Paws suddenly wanted all sorts of additional documentation. I sent the final documents, including the vet’s notes from the surgery, to Healthy Paws on October 29. On November 9, Healthy Paws sent me a form email denying the claim because 30 days had elapsed since October 8 when the claim was first filed. In the fine print on the web site it said I could refile the claim and provide all the documentation again. I wrote back to Ms Sara Bailey, the customer service rep, telling her to cancel my policy effective November 10 and requested an email confirmation that the policy had been cancelled. Three days later I still had not received a confirmation so I called Healthy Paws customer service. The rep found my cancellation email in the records.and cancelled the policy effective Nov 11. No explanation or apology for the lack of response was offered. It used to be good insurance. It isn’t any more

Healthy Paws has exceeded our expectations in every way. We decided to get pet insurance for our bernedoodle puppy, who is now only 3 years old. Despite a perfect puppyhood, she ruptured the dog equivalent of our ACL in the spring and required surgery and physical therapy to repair it. Then just a few weeks ago, for no apparent reason, she became ill and required a trip to the nearby emergency vet. We were told she had experienced a toxin to her liver. That ultimately entailed a stay at the incredible CSU Veterinary Hospital in Northern Colorado. It was devastating to imagine losing such an important and much-loved part of our family, and fortunately thanks to Healthy Paws, the financial impact did not have to determine whether or not we could keep her and enjoy many years ahead together. We were able to provide her the care she needed to recover and is back to romping and cuddling. Both of these were completely unforeseen accidents in an otherwise super healthy dog. Again, thanks again, Healthy Paws!!

Horrible experience with Healthy Paws. As a patron who was using healthy paws for my smaller dog and Embrace for my larger dogs, I can not even compare the difference. I had Healthy Paws insurance for over 2 years, never needed to actually use the insurance. When I finally needed to place a claim it was nothing but a nightmare. Healthy Paws took two weeks to review and then wrongfully deny the claim and then took 4 more weeks to "review" the claim to only uncover that they were mistaken. Then charged me extra because they said I took too long to get my dogs surgery done after they made me wait 6 weeks to get her claim approved. I cancelled my membership and will be switching this dog to embrace as well. Who approves valid claims, has respectful customer service and doesn't make comments such as "well, you have a lot of notes on your account to go through". Spend your money elsewhere.

Horrible experience with Healthy Paws. As a patron who was using healthy paws for my smaller dog and Embrace for my larger dogs, I can not even compare the difference. I had Healthy Paws insurance for over 2 years, never needed to actually use the insurance. When I finally needed to place a claim it was nothing but a nightmare. Healthy Paws took two weeks to review and then wrongfully deny the claim and then took 4 more weeks to "review" the claim to only uncover that they were mistaken. Then charged me extra because they said I took too long to get my dogs surgery done after they made me wait 6 weeks to get her claim approved. I cancelled my membership and will be switching this dog to embrace as well. Who approves valid claims, has respectful customer service and doesn't make comments such as "well, you have a lot of notes on your account to go through". Spend your money elsewhere.

• I purchased a policy the day that I brought home my puppy and had a monthly premium of $35/mo. • Year 2, they send me an email that my rate for the next year will now be $57/mo • Year 3, they raised my rate to $73/mo. My dog has allergies now, so if I switch insurance, my dog will not be covered for any pre-existing conditions, even though I have had insurance since day 1. They never mentioned that rates can go up over 20-60%% per year when I signed up - seems like something that would have been important to know, except when it is not good for their business. Protect yourself and your pup from their predatory practice and choose another provider and make sure to ask rate increase questions