Healthy Paws | Pet Insurance Review

Insured my dog 7 years ago with no problems and no preexisting conditions (which was their criteria). Have been paying my premium on time (almost $20,000 in the past 7 years). My dog is 16 years old, very healthy, for the first time took him to the ER for vomiting and dehydration. Filed a claim and Healthy paw denied my claim stating he has preexisting condition. It is untrue. They did not take the time to review the bill and trying very hard to deny any payments. This is the first time I am filing a claim for $2,300 (the cost of ER) and they are not paying. I have canceled my insurance with them. what is the point of having insurance? My dog was in good health up until last week, got the insurance for precaution as he is aging.

Healthy Paws used to be good. However, I was notified that premium prices will now be more than double for my 2 senior dogs. I was paying a little under $300 total for both dogs, to now almost $700 for the same coverage. I would give 1 star, but giving 2 only because we never had issues submitting claims and getting reimbursed.

We have had Healthy Paws for both of our dogs since they were puppies, so for close to 13 years. Overall, the claims process has been efficient, fair and timely. On occasion, claims sometimes have to be re-processed due to some glitch and rates have gone up, especially, as the dogs get older (but it is not due to their age specifically but rather across the board increases for all pets in the State's insurance pool), however, based on the different claims we have filed over the years, I would say it has been well worth the investment. I just hope when renewal time rolls around later this year that the rates won't skyrocket. Unfortunately, this is not unique to Healthy Paws, but is occurring with virtually all pet and human health insurance companies as costs increase due to improved technology/treatments and pets/humans living longer amongst other variables.

I took out an insurance policy on my dog as a young puppy. He has been healthy and never had a claim. After paying premiums for him for 5 years, and another rescue for an addition year, I finally filed a claim. My border collie was accidentally poisoned after licking a chemotherapy cream on my arm. After calling my vet, was told to contact animal poison control. There was a charge, and they advised emergency treatment because the prognosis was grim. Part of their charge was working with the ER vets for treatment. I immediately rushed him to the Emergency Vet hospital where he was evaluated and they followed a three week protocol as advised by poison control. He was given meds, daily blood work and watched for neurological symptoms. The last blood test was taken by my personal vet. We were lucky he didn’t ingest enough of the cream to kill him.. For that I’m extremely grateful, and have advised my own dermatologist to warn patients using the chemotherapy cream if they have pets. I submitted all of my dog’s medical records and bills for his total treatment to Healthy Paws. After submitting my claim, they didn’t even approve enough of the costs to even cover my deductible. I cancelled my policy on both dogs citing rising costs of premiums and dissatisfaction with the lack of reimbursement on veterinary services.

I’m cannot recommend Healthy Paws enough! My pup just had very expensive CCL surgery, and HP processed my claim and sent reimbursement before my credit card bill was even close to due! And they even reached out to see how she was doing!