Healthy Paws | Pet Insurance Review

The claims process with healthypaws has become completely ridiculous! I used healthypaws for years with my previous dog and they were wonderful but unfortunately a lot has changed in the last 8-9 months. I always like to have insurance for my dogs and when I got two new puppies, early 2020 it was a no brainer for me to get healthypaws for them on day one. Unfortunately, that was poor decision! They now reject every and all claims you send them, telling you “additional action” is required to complete the claim. They will send you an email with some BS like something is cut off or missing from the claim and you need to resubmit the information. They have done this with EVERY claim I’ve sent in!!! EVERY ONE! Here’s the funny thing, this never happened once the entire time I used them before, Ive very familiar with claim filing process. I’m guessing they are now underwritten by a new company or just decided to be difficult so people would give up on filing a claim after three submissions. They love to use the “page was cut off” excuse! Really.... I find that interesting as I take a picture of the page and the entire thing is in the image and nothing is mission or “cut off” as they like to say. Ive send multiple responses and asked for someone to detail to me what the infraction is on a claim and you guessed it never once have I received a response. Back a year ago I would have said hands down go with healthypaws and dont even bother shopping around but seeing as they are no better now then any other insurance company, as far as customer service and claims processing, you might as well go with a cheaper company... I know I’ll be switching myself. In response to your reply, it’s pretty clear my issue was ignored. You’re making a point to detail past medical issues, why? My dogs are puppies as I mentioned and don’t have any past issues or medical records. Furthermore, my issue is not with one claim. Every single claim submitted gets an action required email and then you give some BS reason like the claim is missing information or the page is cut off. The page can’t be cut off when it’s a picture of the invoice and I used the app and then camera to take the photo... I didn’t send some cut off fax, they are full page edge to edge images with all information clearly shown in the picture, for all claims submitted not just one. Your response just proves my point and shows the lack of customer support, now you want me to post my account information online??? Really, that’s a brilliant suggestion. I’ve sent multiple responses already via email and have yet to get a email response or phone call as I’ve requested, how about you take the time and care to respond to those and not just the complaints posted online.

Second time they have raised my rate in three years. My plan started off at $35.00 went up to $40.50 and now they are raising my rate again to $47.50 in two months. Just so everyone knows my rate increased within months of filling a small claim. Also veterinarian rates have not gone up 22%.

Easy to submit claims, reimbursement is quick and simple, covered a range of things for our dog including allergy testing.

Healthy Paws is a must! They offer one of the top coverage policies in the market and they provide quick and easy claims reimbursement. They even followed up to check on our Litty Lou after a recent medical emergency. If you’re thinking about it, don’t! Just get it!

Absolutely our greatest peace of mind in giving the best possible care for our fur babies! Very quick with claims review and reimbursement and clear in terms of what is covered and what is not depending on the plan and level chosen. Whenever there was any issue with the determination of a certain claim, we are able to speak directly with someone to appeal the claim and in over 5 years of being with them, I have only done this a couple of times. You can always reach a customer service representative too and each time I've called which was very few times, each representative had shown an extraordinary amount of empathy, care, and understanding. One of my pups became diabetic later on and without Healthy Paws, we would not be able to give her all the medication that she needs. I have never had any desire to consider any other insurance as they are the cream of the crop!