I've had pet insurance with this company since we adopted my youngest dog in 2011. And I've never been displeased. Claims are easy to file and quickly reviewed and I've never had anything denied. They have covered major surgeries, specialty procedures (arthroscopy), chemotherapy...they even cover my dog's joint supplements and pain medications every month (we got her insurance as a puppy so her orthopedic problems were not preexisting).
Our most recent experience was when Maya was bitten by a rattlesnake. Antivenin is extraordinarily expensive (over $650 per vial!) and we were able to treat her quickly and without worry knowing that bill would be taken care of.
The absolute best thing about Healthy Paws is the peace of mind of knowing I'll never have to make a decision that will compromise my pet's health or life just because I can't afford it!
Claim checks are distributed quickly - which means I can charge something to my credit card or care credit and know I'll have my reimbursement check before the bill is due to be paid.
The service is excellent - I've gotten fast information whenever I've needed to call.
The app is very user friendly and makes submitting and tracking my claims a breeze!
They pay ACTUAL COST of services unlike other companies that make up what they think your vet bill should have been and only pay based on that - which isn't much help if your vet happens to be more expensive.
The only negative part is that the monthly premiums do increase by a little bit every year. This is to keep up with the cost of veterinary medicine though so I understand why and the increase is really very minimal - usually less than the cost of a cup of coffee.
Great company with great values.
I recommend them to everyone!
American Staffordshire Terrier