Healthy Paws | Pet Insurance Review

Although Bernie was a healthy dog for many years, he became very ill in the last 6 months of his life. Healthy Paws responded quickly when I began making claims and always paid quickly and conveniently directly to my account. Website was easy to use (after the first time when I was figuring it out).

We have been paying our insurance for our cat for 8 years and never made a claim. Unfortunately in the last 3 months we have had $10k of vets bills. Healthy Paws have been incredibly efficient and response. Within 3 days of a $6k invoice it had been processed and was in my bank account with no questions asked! My only small issue is that you have to put your claims in within 90 days of the vet visit which I wasn’t aware of so I did miss out on one claim for last year.

Healthy Paws has been a life saver for our pet Without their full support and support our pet would have a different outcome Healthy Paws is and has been the best pet insurance around

I’ve been a Healthy Paws customer since 2018, and my experience has gone from acceptable to completely unacceptable. When I signed up, I paid $51.61/month for 80% coverage with a $250 deductible. Over the years, Healthy Paws raised my premium annually even though I rarely filed claims (maybe two in my 8 years and one was denied). I stayed loyal anyway. In 2023 the price hiked up to $72 so I lowered my coverage to 70% reimbursement and a $500 deductible to bring it back down to $54.57. Last year the cost of this coverage was increased to $82.47 then $84.94 in July after they added a 2.99% utilization fee. Despite all this, I’ve stayed loyal up until this year when the cost was raised to $140.16/month which is nearly triple what I originally paid for significantly less protection. This isn’t inflation, it’s exploitation of longtime customers who are emotionally invested in their pets and hesitant to switch. If you’re considering Healthy Paws, don't! Be aware loyalty is not rewarded, and long-term customers are priced out.

My Dog had liver surgery which had complications. He was discharged and then readmitted to the Animal Hospital for 5 days. The final bill was a fortune ($20K +) and not an amount that most people just have sitting around. I submitted 2 claims to Healthy Paws via their app and both were processed and paid out within a week. The reimbursement payout was exactly as laid out in my specific policy (90% reimbursement after deductible). I don’t know what we would have done had we not had pet insurance. I can’t imagine having to make a decision about getting your pet care based on cost. Healthy Paws really came through for us.