Healthy Paws | Pet Insurance Review

I've had this insurance since my dog was 3 months old (he's 7 now). Initially, the monthly rate was good, and as expected, there were minimal increases in the first few years, like $2/month, but then they jumped to $10 more per month, and today I was notified my premium was going up by $20/month making the total monthly cost 225% more than what I initially started. I canceled it. To me, it's not worth it. I could've just saved all that money. Aside from 3 small claims when my dog was under age 2, I have not made any claims in the last 5 years. That kind of increase also tells me what I can expect in the years to follow....monthly increases of $30, $405, etc...it adds up fast. Set aside and save your money, you may not end up needing it.

I selected Healthy Paws for my dog Sage in 2017 after we got her. My biggest concern in adopting a pet was affording those random emergencies or injuries that can pop up out of nowhere. I chose Healthy Paws based on the fact I saw it had #1 ratings on consumer websites, the premiums were affordable, and there was no limit on reimbursement. Earlier this month Sage started exhibiting pain, and we couldn't figure out from where, or why. We brought her to the emergency vet, and 2 nights, x rays, an mri, a spinal tap and countless pain management medications later, we had no answers, but had a bill for $5,400. I was equally relieved and nervous about the fact we had pet insurance. I was relieved at the prospect of being reimbursed for part of the bill, but I was extremely nervous that I was about to find out that I had been paying for a scam all this time, and that they wold find a way to reject our claim. My husband and I are attorneys, so skepticism is our nature, and we know all too well that contracts typically are designed to protect the company rather than the consumer. We are especially skeptical of anything that is supposed to pay us money, especially considering that our claim was approx. 4x what we had paid in premiums so far. But I worried for nothing. Less than a month after submitting the claim I got a check in the mail for exactly what I expected they would cover (80% of the bill, minus our $250 deductible, excluding the initial emergency exam and her 2 week exam). I called customer service very anxiously several times during the pendeancy of the claim to make sure I was uploading the documentation they needed, etc, and every time I waited less than 5 minutes to speak with someone, and the representative was always kind, patient and professional. I am thankful that I chose Healthy Paws to insure my pets- after all, it saved me almost $4,000.

I selected Healthy Paws for my dog Sage in 2017 after we got her. My biggest concern in adopting a pet was affording those random emergencies or injuries that can pop up out of nowhere. I chose Healthy Paws based on the fact I saw it had #1 ratings on consumer websites, the premiums were affordable, and there was no limit on reimbursement. Earlier this month Sage started exhibiting pain, and we couldn't figure out from where, or why. We brought her to the emergency vet, and 2 nights, x rays, an mri, a spinal tap and countless pain management medications later, we had no answers, but had a bill for $5,400. I was equally relieved and nervous about the fact we had pet insurance. I was relieved at the prospect of being reimbursed for part of the bill, but I was extremely nervous that I was about to find out that I had been paying for a scam all this time, and that they wold find a way to reject our claim. My husband and I are attorneys, so skepticism is our nature, and we know all too well that contracts typically are designed to protect the company rather than the consumer. We are especially skeptical of anything that is supposed to pay us money, especially considering that our claim was approx. 4x what we had paid in premiums so far. But I worried for nothing. Less than a month after submitting the claim I got a check in the mail for exactly what I expected they would cover (80% of the bill, minus our $250 deductible, excluding the initial emergency exam and her 2 week exam). I called customer service very anxiously several times during the pendeancy of the claim to make sure I was uploading the documentation they needed, etc, and every time I waited less than 5 minutes to speak with someone, and the representative was always kind, patient and professional. I am thankful that I chose Healthy Paws to insure my pets- after all, it saved me almost $4,000.

Healthy Paws makes filing claims a breeze with their app, just snap a picture of the bill and they process the claim and send you your money. They also have great customer service and care about your pet! Highly recommend!

When I got my pup I decided to buy pet insurance and I'm so glad I chose Healthy Paws, they came highly recommended and I can see why. They are very easy to deal with and have great customer service!