Healthy Paws | Pet Insurance Review

The monthly premium increased dramatically each year starting in 2013 from about $35 per month to their new proposed premium of $143 per month. Several other top rated companies have offered me the same coverage for my 8 year old dog in the $45 range. I have made only a few small claim over the 7 plus years I have had my dog insured. I urge everyone to avoid using Healthy Paws insurance.

Healthy Paws has far exceeded my expectations! Submitting a claim via email or their app is very easy and their customer service is stellar. Whenever I have a question, it is quickly answered by a friendly and helpful representative.

My first anniversary date is 11/2021. Over the past couple of months, my 4 year old dog tested positive for an autoimmune skin condition which required a nose biopsy, frequent visits to the vet and medication. I submitted a claim for the nose biopsy which was summarily declined before the results came back. Appealing the decision, they eventually paid part of it. Then, there were two sick visits to the vet neither which were covered because they are considered pet exams. The meds were covered, but needed to be submitted separately, and one was overlooked and needed my follow up to get the reimbursement. Today, I got a note saying my premium would be going up almost $10 a month on my first anniversary date based on a state by state reimbursement algorithm. They reevaluate your premiums every year, I’m sure, with an eye towards raising them. I’m also understanding that the deductibles can go up as your pets age. I’m warning you to look closely at these pet insurance companies and do a proper comparison before you buy. And I don’t recommend Healthy Paws.

Great coverage at a good price and a hassle-free claims process. Our dog suffered a complete rupture of his right CCL in 2019 and then his left almost exactly two years later. Healthy Paws covered almost all of the associated cost of both surgeries. I can't imagine an easier claims process - just upload your bills and receive reimbursement a few days later. It's a relief to be able to focus on helping our dog with his recovery with a fantastic insurance company on our side.

I have had the insurance for both of my cats for the past 2 years and I will confidently say the decision was one of the best decisions I made. My cats were both 5 and 6 when I got the insurance coverage and they didn't have any previous history of diseases. They were all rescued and not any specific breed so no genetic issues I know of. The process was easy from the beginning with all the documents submission done via the app. I got this insurance to prepare for any disastrous incidents. I didn't want to make any decision based on my financial availability if anything happen to my cats. And the monthly fee for both cats weren't too bad (initially $27 per month for both and now $33) This decision paid off. Last year, somi got an aspirational pneumonia and I had to take her to an emergency clinic. At that moment, having the insurance allowed me not worrying about the emergency bills that might cost an arm and a leg. And when I got the bill, the healthy paw was so quick to process the claim and most of treatment was covered and lifted a great deal of my financial burden. Since then, I am recommending the healthy paw insurance for everyone. I know that there are many pet insurance company with so many different coverage ( preventive care cover or dental cover) and when it comes to the claim, they never meet the expectation and give a hard time for the pet owners. I had a couple of friends also who experience the similar situations. And hearing that insurance horror stories and knowing how easy it was for me to claim for my case, I highly recommend the healthy paw insurance. The pet insurance would not save your dimes and pennies in your routine veterinary visits, but it will come and save you when your pet is in severe condition like it did with mine.