We signed up with Healthy Paws when our Newfoundland pup was about 5 months old. It was without a doubt the wisest financial decision I have ever made.
Unfortunately, we have relied on them heavily in her first couple of years. They have paid 90% of every claim we have submitted, including treatment for giardia, ear/eye infections, removal of a calcerous growth under her tongue, tick paralysis, and most recently, TWO KNEE SURGERIES, because she had torn both of her cruciate ligaments. On top of all that, they are even covering physical therapy to help her recover from the knee surgeries.
Here are some of the reasons I love dealing with Healthy Paws:
1.) When I call, a real person answers the phone - they understand my question and provide a clear answer. It’s not a “call center” experience; they actually care about animals, are very familiar with their policy, and are eager to help.
2.) The claim processing is VERY FAST and painless - usually less than a week between the time of treatment and when I receive the reimbursement check.
3.) They have never denied coverage. Their website is very straightforward, and they clearly lay out everything that they cover, including alternative treatment. Before we scheduled our dog's knee surgeries, I called HP a few times just to make sure they would actually cover both of them, since it sounded too good to be true. They promised they would, and they quickly came through for us.
4.) There is no incident limit, nor is there a lifetime limit. Some of these issues can add up extremely quickly, and it’s so reassuring to know that HP will be there for us.
The only thing I would do differently next time is get the insurance BEFORE bringing the animal home. We had an incident come up during the waiting period and they were not able to cover it, which was understandable.
I cannot say enough good things about Healthy Paws. Our dog is our child and we will do anything to help her live as well as possible . . . but without HP, we would not have been able to afford to fix her cruciate ligaments, and she would have had to live with pain and have extreme difficulty getting around for the rest of her life. We are, and will be, forever grateful to this wonderful company for helping us care for our sweet dog.