Healthy Paws | Pet Insurance Review

So grateful we chose Healthy Paws to cover our Shih Tzu. We recently found out or 21mo old pup needed major back surgery. Healthy Paws made it so much less stressful knowing we had them backing us. I called before our neurology appointment to find out what I was looking at regarding coverage. Tristan walked me through the whole process making sure I understood the terms and what would be expected of me. Because he took the time to explain it, I had all the documentation ready, uploaded it on the app and hit the submit button. Literally, 5 min. I got an email back saying they had received my claim and would review it. The first initial doc appointment for diagnosis requested the doctor’s chart. Completely understandable. Two days later I had an explanation of benefits and funds in my account that night. After surgery, same thing, 2 days and it was all taken care of. Great people to work with and so caring. I even got a follow up email from Stephanie and Tim asking how Watson was doing a week after major back surgery! It wasn’t a form letter either as we communicated a couple of time back and forth. They were happy to hear we were on the mend. The app is easy to navigate, and you can change your coverage at any time. I was truly expecting the process to be like working with our medical insurance, but it was completely different. So much easier!! If only human insurance companies were as easy to use as Healthy Paws!

I've been a Healthy Paws customer since December 2016 and they've been great to work with and I highly recommend. I currently have two cats (12 and 7) and have submitted several claims (the younger was diagnosed with CKD in 2018 and the older has had occasional health issues with his heart and lungs). Every claim I've submitted (most recently for an illness for Arnold that involved chest xrays, an echocardiogram, and an ultrasound - very scary day!) has been processed efficiently, reasonably, and fairly. Their customer service has been great to work with, and I received a direct deposit on my claim within one week. Normally it processes even as fast as 24 hours - they're great. Highly recommend!

You have insurance and you hope you never have to use it. After two years of coverage, my Teddy got sick and had to stay overnight in the ICU. The claims process was easy and efficient. I received my reimbursements within a few days.

UPDATE: As requested, even though Healthy Paws previously paid claims for my Dog Baxter, they now wanted proof I did a vet appointment for him after I adopted him in 2016. I have sent them those records. Standing by for processing of my claims. Tag, you're it! ___ I have three pets covered by Healthy Paws (two under one account and a third under another account). I, too, am now experiencing the constant requests for vet records from SIX YEARS AGO when we adopted our boy. This is well beyond the 30 day waiting period of when we signed up for the health plan for Baxter. Regarding the medical records they have requested, I have uploaded those records and they still are sending emails that they haven't received them and I need to send them. This is for three claims (two related to an abscessed tooth, one related to palliative care for his protein losing enteropathy. Claim numbers 310878-3-18, 310878-3-19, and 310878-3-20). Sadly, it appears that this company has gone the route of just trying to wear out the client and will not cover the costs they are supposed to cover. Check out some of the newer companies, perhaps instead. This one appears to be hitting the rocks.

I've been really pleased with Health Paws. My dog needed TPLO surgery (dog version of a torn ACL) and it was VERY EXPENSIVE. We would have taken a real hit financially had we not been established with Healthy Paws. I think as long as you are familiar with the policies and making sure to read them prior to signing up, Healthy Paws delivers what they say they will. They have a very easy claims process also.