Claims are never paid
You will pay insurance premium for fake peace of mind. Any claim you submit will be rejected as pre-existing conditions (despite the fact you are 5 years in policy) or because the treatment is actually classified by HealthyPaws as an exam or as a procedsure for treating something that "may have been" (this is citation from conversation with their customer support) a pre-existing condition.
There will be tons of excuses, and actually NEVER covered any costs.
For example, we have paid 11500 in premiums over last 5 years and recveived $270 in total claims reimbursements because those couple cases were simply impossible for them to avoid paying. All those were back in 2017. Since then they seem to have changed their policies and all claims are being unpaid.
ALL other claims are being rejected, even when our dog hurt herself and vets had to do stiching - it still was not covered because that somehow went into their "non-covered procedures" category.
Don't pay for this insurance. Get more expensive one, but that will actually cover your claims. You will end up paying less.
They were good back in 2016. In 2021 - they are simply pointless. Better putyour money on a saving account - it will bring you way more benefits.
Just check the 1-4 reviews - they all are talking that actual treatment procedures are not covered while premiums are skyrocketing. Best case - they will pay for medication but NOT THE TREATMENT. I.e. they will cover 5 - 10% of acxtual vet costs. This will never cover your montly premium.
All recent 9* -plus reviews seem to be paid, I don't see how recent reviews can be remotely positive.