Healthy Paws | Pet Insurance Review

I have been with healthy paws for 6 years - they have always been excellent - but just like with any insurance - you need to shop around. I never met my deductibles and wellness visits are not included and examination fees when they are sick are not included - so I really was not getting my moneys worth. I just needed accidental type coverage and there were very limited customization options. In addition healthy Paws as continued to raise rates every year - I even had to raise my deductible to lower the monthly rate. I decided to shop around and was able to find another company that saved me over $60/month when compared to healthy paws. I would say if money is not an option - then stick with them - but if you are on a budget and just want accidental converge with customizable options - look elsewhere.

We love healthy paws - I highly recommend them to all of our friends / family. Their customer services is amazing, and we truly have saved a ton of $$$!

Healthy Paws provides the best coverage for pets with a hassle-free claim process. A policy with Healthy Paws makes it easy for pet owners to focus on caring for their pets and getting them the treatment they need whenever they need it, without being overly concerned about cost. In many ways, I wish human health insurance were so simple and transparent. ;-) Many years ago we purchased our first pet insurance coverage with another company (Pets Best): that coverage was inexpensive and seemed like it would be quite useful in limiting costs while providing incentives for regular checkups. While it was helpful in offsetting costs for smaller incidents, as our dogs aged we quickly found that the policy has payout maximums and "separate occurrence" definitions that limited their coverage quite sharply. We soon re-evaluated our options for insurance coverage and made the switch to Healthy Paws. Whenever the unexpected has happened, we've been able to rely on Healthy Paws to provide consistent, understandable coverage for our pets. Most recently, one of our pets contracted a urinary infection while on vacation, which required a trip to an emergency clinic for treatment. We knew that whatever treatment she needed, it would be covered - and it was! :-) The broad coverage and clear policies have consistently covered various needs for our dogs, spanning knee surgery, upset stomachs, and broken nails; with no claim or lifetime maximums to worry about, there's no concern about "exhausting" the coverage or having to make financial decisions about the well-being of a pet. The claim process is extremely easy with their website: upload an itemized receipt and they take care of the rest. There's occasionally a follow-up question or two - which is easy to answer - and they follow up with the veterinary clinic, typically completing the claim and sending the reimbursement within a few days. It couldn't be easier

Healthy Paws provides the best coverage for pets with a hassle-free claim process. A policy with Healthy Paws makes it easy for pet owners to focus on caring for their pets and getting them the treatment they need whenever they need it, without being overly concerned about cost. In many ways, I wish human health insurance were so simple and transparent. ;-) Many years ago we purchased our first pet insurance coverage with another company (Pets Best): that coverage was inexpensive and seemed like it would be quite useful in limiting costs while providing incentives for regular checkups. While it was helpful in offsetting costs for smaller incidents, as our dogs aged we quickly found that the policy had payout maximums and "separate occurrence" definitions that limited their coverage quite sharply. We soon re-evaluated our options for insurance coverage and made the switch to Healthy Paws. Whenever the unexpected has happened, we've been able to rely on Healthy Paws to provide consistent, understandable coverage for our pets. Most recently, one of our pets contracted a urinary infection while on vacation, which required a trip to an emergency clinic for treatment. We knew that whatever treatment she needed, it would be covered - and it was! :-) The broad coverage and clear policies have consistently covered various needs for our dogs, spanning knee surgery, upset stomachs, and broken nails; with no claim or lifetime maximums to worry about, there's no concern about "exhausting" the coverage or having to make financial decisions about the well-being of a pet. The claim process is extremely easy with their website: upload an itemized receipt and they take care of the rest. There's occasionally a follow-up question or two - which is easy to answer - and they follow up with the veterinary clinic, typically completing the claim and sending the reimbursement within a few days. It couldn't be easier

I had been a satisfied customer since 2013. The claims process was straightforward, the coverage was great, etc. My rates went up annually, which I expected, and the notices and FAQs said is based on the rising costs of veterinary care. Back in 2013 my monthly premium for two dogs was $63, with a $250 deductible for each dog. In 2019 I doubled my deductible to lower my monthly premium and keep it under $100/month. In 2020 I got a notice that my monthly premium was increasing by 30%, and this year I received a notice that my premiums were increasing another 50%. My monthly premium will now be $194, over 3x more than when I signed up—and I have a higher deductible. I’ve since learned that though they don’t come out and say it, they factor your pet’s age into their anniversary increases even if you signed them up when they were young. Once your dogs are seniors and likely have various health conditions, it is not easy to switch insurers because of their age and all of the conditions that would become “preexisting” with a new provider. So you’re stuck. If you’re shopping for pet insurance, there is at least one competitor to Healthy Paws that bases premiums on your pet’s age at the time you enroll and doesn’t do “birthday increases.” I only chose Healthy Paws because their misleading language suggested they were the same. After doing some research I’ve learned that there was actually a class action lawsuit against Healthy Paws over this issue, and Healthy Paws does base the increases on your pet’s age. Loyal customers who have paid premiums for many years on young, healthy dogs should not get stuck with thousands of dollars a year in premiums and high deductibles once their dogs age. They shouldn’t be forced to consider dropping coverage at exactly the time their dogs need it most. I really wish I had made a different choice back in 2013.