Healthy Paws | Pet Insurance Review

I joined Health Paws in 2017 and have been quite happy with their service. Until now. My 4-year-old Border Collie tore a pad on his paw that required veterinary attention. I submitted the claim only to be told that they were declining to cover the costs as it was a pre-existing condition - a torn paw! Quite ironic given the company name is "Healthy Paws." They told me that it was declined on the basis of an injury he suffered as a puppy in 2017. The 2017 injury wasn't even a torn paw pad. I appealed the decision and they couldn't even be bothered to reply. This is on top of the fact that they keep increasing my premium with no explanation. I canceled my policy and will try my luck with Lemonade.

Healthy Paws Pet Insurance provides transparent, fast, and easy service. I have submitted numerous claims for my pet and each one has been processed quickly, sometimes in the same day, and each one has resulted in a reimbursement that does not deviate from my policy. Their premiums are very reasonable and I can't recommend too highly the value of these premiums. Most recently (July 2021), my pet needed to have numerous expensive diagnostic procedures for a complex medical issue. I may not have elected for these procedures without the financial security and peace of mind that Healthy Paws provides.

Healthy Paws Pet Insurance has been the best thing I have ever purchased for my dogs. I have 4 dogs (all covered through Healthy Paws) and have had nothing but wonderful experiences with this pet insurance. The claims submittal is extremely easy (only have to submit a picture of the invoice). The processing of claims and reimbursement is extremely quick (within a few days max). I would not have been able to give my dogs the best veterinary care they need if I did not have a policy with Healthy Paws. I have so many examples. But just a few: My one German Shepherd has recurring perianal fistulas. We have been through the ringer with this. Antibiotics, steroids, laser treatments, and finally immunosuppressants (Atopica). This medication is EXTREMELY expensive. Healthy Paws has covered all of these different treatments, including the expensive medication (approximately $345 per month). There would be no way I could cover this cost myself. My other German Shepherd was severe hip dysplasia. Since she was covered prior to turning 6 years old and did not show symptoms of hip problems within the first year of coverage, Healthy Paws has been a life saver for my poor pup. For the past few years, she has shown extreme pain and we started anti-inflammatories (Galliprant) as well as gabapentin to relieve some of her pain. This past year (at age 8), we performed x-rays and my vet said if we do not intervene with more invasive techniques, she would not see my dog making it through the next year. We were referred to an orthopedic surgeon for possible total hip replacement surgery. We decided to try the gold standard and replace her right hip on December 16th, 2020. The cost was astronomical (almost 5 figures). I submitted my claim to Healthy Paws on the day she was released from the hospital (December 18th). Due to the upcoming holidays and extensive medical records, there was a bit of lag between submitting and being reimbursed. But the first week in January, I was reimbursed 90% (per my policy option) of the total cost of the surgery. Healthy Paws literally saved my dogs life. Every person who asks me about pet insurance hears raving reviews of Healthy Paws Pet Insurance. Even anyone who talks to me about veterinary bills or upcoming adoptions will also receive a long list of why pet insurance is so important and why Healthy Paws should be their choice of insurance. I would not insure my pets through any other company other than them.

Healthy Paws has raised their rates twice recently without providing more value to customers, even long-time customers. Avoid them!

Our dog Zoey has been covered by Healthy Paws Insurance since 2014 and they have always been reliable with an easy claims process. Recently Zoey suffered an injury that caused a fractured tooth and Healthy Paws provided excellent coverage for her treatment. Very thankful to have Zoey on Healthy Paws Insurance.