Healthy Paws | Pet Insurance Review

I adopted a 2 year old rescue (of unknown history, but overall a very healthy dog) and at first wasn't sure if insurance was worth it - as most insurance doesn't cover general preventative vet visits. But suddenly my dog got very ill, and I had no worries about the financial implications of taking him to the hospital. The claims process was simple (upload a photo of the bill online) and within 2 weeks, I received not only an explanation of what was covered vs not (most was covered) but also received the benefit payment as well.

If you're not sure whether it's worth getting pet insurance: it IS. While most insurance options I explored don't cover general preventative and routine vet visits, when my fur-baby Barkley suddenly wasn't eating for days and having severe GI issues, I did not worry about the cost of having to take him to the hospital. After extensive tests and a couple of nights in the hospital, he has bounced back. And so did my wallet - the claims process is really easy - all online, and I received my benefits direct-deposited in less than 2 weeks. Better still, their customer service reached out to me to see how Barkley is doing.

The coverage and reimbursement process are thorough and fast. I've never had an issue with a claim. I've had this insurance for about 7-8 years. My only complaint is the premiums. My pet started at under $50 per month for the highest level of coverage. Now I pay over $100/month ( $108?) They have a lot of age limitations now and the premiums even for young dogs are quite high. I signed my new dog up with a different company, soley based on premiums. I chose as close to the same coverage as possible and it's $15 less per month than healthy paws would be. I made 1 claim, which was paid, but the process took a month longer.

Had an emergency with my dog, didn't want to cover anything because they say that my dog issue was something pre-existing. My dog didn't have any pre- existing diagnosed issue.

Healthy Paws does indeed increase the premiums as the pet ages. I was misled into choosing HP for that very reason by various online reviews that are false. It's gotten to a point I can no longer afford the excessive rate hikes year after year. Also, soon after the start of the pandemic the options to adjust my policy disappeared, so I was no longer able to reduce coverage since my job hours were reduced. Looks like another "gouging" effort taking advantage of the disadvantaged. HP is an okay company for rich people who already have the money to pay for a pet emergency. Look elsewhere, and be sure to first ask how premiums increase year after year, as the dog gets older. Hopefully they will be upfront about it.