Healthy Paws | Pet Insurance Review

I am a veterinarian at a large tertiary referral hospital. I have Healthy Paws insurance for my own pet and owed a pretty hefty bill after her amputation surgery following a cancer diagnosis. As an employee of the hospital, I receive a benefit from the university that I work for towards the bill. The benefit is 20% and Healthy Paws covers 80%. To be clear, I am not making money off of this, it basically just helps cover the cost of the bill. Healthy Paws has always acknowledged this in the past and has taken into account the benefit. After my dogs' most recent surgery, Healthy Paws was only covering 80% of the bill AFTER my benefit, leaving me with approximately $4,000 to cover on my own. After discussion with them, they agreed that they had taken this into account in the past and would go back and review charges. Following this, they sent me a BILL for $625.25 saying that the past claims were all reviewed in error and now I OWE them money. So in addition to them stealing my benefit, they also are now charging me for THEIR error. I am absolutely disgusted with Healthy Paws. When this company started, they were much more responsive, claims were faster, and they were compassionate. If you are considering this company LOOK ELSEWHERE. I am a veterinarian and can't even afford my dogs bill because of Healthy Paws. I'd recommend TruPanion or NationWide in the future, as many of my pet parents have had good success with them.

I am a veterinarian at a large tertiary referral hospital. I have Healthy Paws insurance for my own pet and owed a pretty hefty bill after her amputation surgery following a cancer diagnosis. As an employee of the hospital, I receive a benefit from the university that I work for towards the bill. The benefit is 20% and Healthy Paws covers 80%. To be clear, I am not making money off of this, it basically just helps cover the cost of the bill. Healthy Paws has always acknowledged this in the past and has taken into account the benefit. After my dogs' most recent surgery, Healthy Paws was only covering 80% of the bill AFTER my benefit, leaving me with approximately $4,000 to cover on my own. After discussion with them, they agreed that they had taken this into account in the past and would go back and review charges. Following this, they sent me a BILL for $625.25 saying that the past claims were all reviewed in error and now I OWE them money. So in addition to them stealing my benefit, they also are now charging me for THEIR error. I am absolutely disgusted with Healthy Paws. When this company started, they were much more responsive, claims were faster, and they were compassionate. If you are considering this company LOOK ELSEWHERE. I am a veterinarian and can't even afford my dogs bill because of Healthy Paws. I'd recommend TruPanion or NationWide in the future, as many of my pet parents have had good success with them.

Submitted claim 1st week of December 2021. After numerous emails and phone calls I received a claim denial on Jan 10th due to " pre-existing condition". My vet says otherwise. I suspect the denial was due to claim size ($5000.00+) Buyer beware!

I purchased Healthy Paws insurance a few years ago, when we got a second dog. I read reviews and chose Healthy Paws based on them. I have not been disappointed! Their website is easy to navigate, the policy was easy to set up and all of the terms are outlined. You can choose from different reimbursement percentages. I chose a 90% reimbursement. I have had to use it several times for one of our dogs, most recently when he ran into the road and was hit by a car. I uploaded the info they asked for and they responded within a day, asking for additional info if they needed it. I uploaded that and they again responded within a day. I had all of the documentation to them on a Tuesday afternoon, and the reimbursement was direct deposited into my account Thursday morning. Having this pet insurance makes decisions about care easier. I know that with the exception of the exam, other things related to the illness or injury will be covered at my reimbursement rate. I'm grateful for the insurance and for the promptness of their response when filing a claim.

I have been with Healthy Paws for about 3.5 years now and could not be happier with them. They have been exactly what I hoped and expected. Great coverage, very responsive, and so easy to process claims. I will always have my pets on this insurance. Thank you!!