Healthy Paws | Pet Insurance Review

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

I believe Healthy Paws is the best pet health insurance there is. One thing I absolutely love is their app that makes it beyond easy to submit a claim. Just take a photo of your bill, push send and you're done. It really doesn't get any easier. And, unlike the previous health insurance company we had, they base their reimbursement on what your vet actually charges. Our previous company based reimbursement on what they felt was customary and fair by comparing rates in other states, as though I was supposed to find those vets and travel a bit. When researching pet health companies, you may want to ask them what, exactly, constitutes a pre-existing condition. We found out the hard way when our previous company stopped paying for cancer treatments for our dog because the policy renewed in the middle of treatment. Anything connected to her cancer was now considered pre-existing. Healthy Paws doesn't work that way. We have had some unexpected expenses with our dogs, as do many people. The peace of mind Healthy Paws offers is something I am not willing to give up. They are so easy to work with, their reimbursements are fast and fair, and my dogs will always have them to watch their backs. I never want to be in the position of having to choose between excellent care for my best friends and my bank account. I'm truly grateful to Healthy Paws.