Healthy Paws | Pet Insurance Review

My dog has been with Healthy Paws for 9 years on the 12th of December 2025 my dog was taken into emergency & kept until December 16th. I submitted my claim to Healthy Paws they told me that my policy had changed on the 14th of the month (December) reducing my reimbursement to 70% from 90% !!! Leaving me with a hefty bill. I disputed the claim andI’m still waiting to hear back.

This is the second dog that we have had with HP Insurance. The process of submitting claims and receiving feedback/communication was above and beyond what I was expecting. This last claim was the biggest we have ever submitted, even when we had our dog Zoey Peele (RIP). I submitted 65 pieces of paperwork regarding Nala's injury, and when I tell you the process was dummy-proof (LOL), it truly was. I also thought because the bill was so much, that it would take a few months for everything; NOPE! We got back our money within 2 weeks of submitting, and that was right before Christmas, so needed. My co-worker has pet insurance with a different company and could not beleive HP process and quickness. His dog has a major injury months ago and it took them close to 6 months for a $6k claim. Once again thank you so much for making this process so easy.

My dog cut her paw badly outside and we don’t know what she cut it on. We have 4 weeks of treatment and hospital stays. Our vet is amazing and Healthy paws made it less stressful knowing we had help to pay for her vet bills. Submitting claims was extremely easy, review of claim and payment was quick. 100% recommend Healthy Paws for pet insurance.

Our claim was handled quickly when our Shih Tzu suddenly became acutely ill, Our dog was take to an emergency animal hospital and was hospitalized for several days. We were grateful to have Healrhy Paws Insurance during this time of great need.

Their customer service agents are horrible. They wanted all this medical history for a $16 supplement.. they eventually paid me for all of the submissions but when your dog is having liver issues and your vet said they might not make it, the last thing you want to do is argue with Healthy Paws. One agent, Ron, said we need to make sure it’s not a pre existing condition. I told him she was with them since I got her for 8 years.. she had no pre existing conditions that you can use an an excuse to not cover. So incredibly rude. She needed emergency hospitalization and they said.. “email us and we will call you for direct pay request.” I’m sorry do u know what emergency means? ABSOLTLEY horrible service in my time of need… also.. their monthly premium goes up 50% every year.. and they don’t cover her prescription food. Which is nonsense because they cover prescriptions. I’m so disappointed.. so upset I paid so long into an insurance for almost a decade to be treasured like this in a time where my dog needed them most. Thank God she’s better.. just go somewhere else ..