Healthy Paws | Pet Insurance Review

Healthy Paws Ins. Is amazing! They are very cost effective and pay out at 90%. Their staff is very helpful, kind and curtious. They always treat me like family and know just what to say in times of need.

We, like many others, adopted a puppy during the pandemic. A friend recommended Healthy Paws and it was the best decision we ever made! It really takes the anxiety out of pet ownership, and means that we never have to make hard decisions due to finances. Our plan has saved us, and saved our pup, countless times. The customer service is always supportive, and we cannot recommend Healthy Paws enough!

People rarely take the time to write good reviews. If the company does what it promises, we’ll that’s expected. I had two dogs (one has passed, unfortunately) with another insurance company. It has not been pleasant. When I got my first pet insurance policy, I really didn’t do a lot of research. Having experienced terrible customer service, lifetime limits (my fault), and up to four months to settle a claim, I did a lot of research when I got a new puppy. I chose Healthy Paws. So let me tell you about my first experience. He was hospitalized with pneumonia two weeks after I signed up with Healthy Paws. I sent them the invoice and doctors notes. The claim was settled two days (yes two days) after my submission. The money was in my account the third day. They reimbursed the exact amount that was stated in the policy. That was a year ago. I posted this experience on Facebook, and it turns out, many of my friends use Healthy Paws. They all said they had similar experiences. Over the past year, I have submitted claims for minor illnesses, and the experience is the same. The money is in my account within 7 days of submission. Given my experience with the other insurance company, it is extremely stress less and straight forward. Healthy Paws might be a little more expensive, but absolutely worth the cost. So just a little advice if you are doing research. Lifetime incident amount is critical. If your breed is susceptible to certain disorders, take that into consideration when you sign up for the lifetime limit. With my other insurance company. (I still have an old dog and I can’t take him off that policy) I had a $5000 lifetime incident cap. He is a clumber spaniel and they are prone to get hip dysplasia. He has had two operations for hirneated discs. I maxed out on the first operation. My new dog is also a clumber spaniel, so I signed on to a 25k max. Hopefully, it will be a complete waste of money. Bottom line, Healthy Paws is excellent.

From 2016 to April 2020 I had a Healthy Paws policy for my late dog, Jiminy. The ease of filing claims via the Healthy Paws App and responsive customer service representatives and reasonable premiums led me to recommend Healthy Paws to several friends. I did so even after Jiminy’s premiums increased from $48 per month to $62 per month. He was an elderly dog with an increasing number of health problems so the increase seemed fair. After Jiminy passed away, I adopted another rescue dog, Daisy, and purchased a Healthy Paws policy for her. I provided Healthy Paws with all of Daisy’s veterinary records from the adoption agency and provided records of all her vaccinations and wellness checkups after I adopted her. Healthy Paws did not have to pay any claims for Daisy from October 2020 until October 2021 when she had surgery to repair a cherry eye she had developed in July 2021. When I filed the claim on October 8, Healthy Paws suddenly wanted all sorts of additional documentation. I sent the final documents, including the vet’s notes from the surgery, to Healthy Paws on October 29. On November 9, Healthy Paws sent me a form email denying the claim because 30 days had elapsed since October 8 when the claim was first filed. In the fine print on the web site it said I could refile the claim and provide all the documentation again. I wrote back to Ms Sara Bailey, the customer service rep, telling her to cancel my policy effective November 10 and requested an email confirmation that the policy had been cancelled. Three days later I still had not received a confirmation so I called Healthy Paws customer service. The rep found my cancellation email in the records.and cancelled the policy effective Nov 11. No explanation or apology for the lack of response was offered. It used to be good insurance. It isn’t any more

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!!