Healthy Paws | Pet Insurance Review

I have the $250 deductible 80% coverage plan but it is disingenuous to call this a $250 deductible. It is a $300 deductible because only 80% of eligible costs go towards the deductible. In my insurance policy it says: "DEDUCTIBLE: Your pet’s deductible is shown on the pet schedule of the declarations page. Your pet’s deductible shall apply once per coverage term. " My declarations page says: Coinsurance (Your Share): 20% Reimbursement (Our Share): 80% Annual Deductible: $250 Example, if I have a $1,000 vet bill that are all eligible costs I would expect to pay $400 (assuming its the first claim of the year). This is made up of a $250 deductible and $150 (($1,000-$250)*.20=$150) and Healthy Paws would reimburse me $600. ((($1,000-$250)*.80=$600) HOWEVER, Healthy Paws looks at the $1000 bill and ($1,000*80%= $800) because "I am responsible for 20% of all vet bills and healthy paws reimburses 80% of total vet bills". They they take the $250 deductible out of the $800 and I am only reimbursed $550 and not $600. This is truly a $300 deductible. I was told by a customer service liaison (who was incredibly insulting) that deductibles in pet insurance work differently than deductibles such as in homeowners, car, or health insurance policies. I pay a good amount of money per month for my policy, I've held it for almost 4 years now. I would expect more from this company.

After paying $29 a month for the 1st year of my puppy's life they raised the premium to $37 a month and we had not even used the policy one time. I don't understand why our policy went up 30% after 1 year when they advertise that they don't raise premiums for filing a claim. We never even filed a claim so why did it go up so much?

Easy to work with and quick with claims. They checked on my dog after her surgery and were able to pay the vet directly. The two tplo surgeries were really hard to go through but they made it easier. I recommend them to anyone with an active dog like mine!

Easy to work with and quick with claims. They checked on my dog after her surgery and were able to pay the vet directly. The two tplo surgeries were really hard to go through but they made it easier. I recommend them to anyone with an active dog like mine!

Healthy Paws has been nothing but a godsend for helping keep my family healthy and happy! Our fur babies have had a few incidents where we've either needed a Blue Pearl Visit or unfortunately a surgery or (three in our unfortunate case!) Because of Healthy paws, I'm able to make sure my family is always well taken care of and I'm not forced to choose between the care they need and some other important necessity like food or shelter. If you have a fur baby you should never go a day with out this protection. Thank you Healthy Paws! You've found a customer for life. All of our fur babes, now and in the future will have your protection. Thank you again!