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Healthy Paws Review 2021

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Reviews 1,101

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Michael Graw
Michael Graw
May. 03, 20214 min read

HealthyPaws summary

Healthy Paws offers a pet insurance policy for dogs and cats. The company’s plan covers up to 90% of medical expenses and most claims are reimbursed within 2 days. The plan doesn’t have any per-incident or annual caps on reimbursement and you can visit any veterinarian. Your pet can be enrolled in coverage at any age, although Healthy Paws does not cover pre-existing conditions or preventative care.

Pros

  • No per-incident or annual reimbursement caps
  • Most claims are paid within 2 days
  • Visit any veterinarian

Cons

  • Limited plan customization options
  • Does not cover preventative care
  • Requires a 15-day waiting period

Healthy Paws at a Glance

Pets coveredDogs and cats
Waiting period15 days
Deductible$100-$500
Reimbursement model70-90%
Suitable ForCoverage with no reimbursement caps

What Does it Cover

The Healthy Paws pet insurance plan covers a wide range of conditions, including: 

  • Illnesses
  • Accidents
  • Chronic conditions
  • Cancer treatment
  • Emergency care
  • Specialty care
  • Alternative treatments
  • Surgery
  • Prescription medications
  • Diagnostics (X-rays, blood tests, ultrasounds)

Insurance Plans & Pricing

Healthy Paws only offers a single plan option for dogs and cats. This plan does not have annual or per-incident reimbursement limits, and you have the option to customize both your deductible and reimbursement rate.

For a male 2-year old, medium-sized dog, a 90% reimbursement rate and $100 deductible costs $84.50 per month. For the same pet with a 70% reimbursement rate and $500 deductible, coverage costs $39.64 per month. 

For a 5-year old domestic short-hair female cat, a 80% reimbursement rate and $250 deductible costs $25.47 per month. For a 70% reimbursement rate and $500 deductible, coverage costs $19.31 per month. These rates are based on April 2021 premiums in Pacoima, CA.¹

What is Not Covered

The Healthy Paws plan does not cover pre-existing conditions, whether they were fully diagnosed or just visible prior to enrolling your pet. It also does not cover preventative treatment, spaying or neutering, or routine dental care. The Healthy Paws plan also does not reimburse for examination fees or referral fees. 

Waiting Periods

Healthy Paws requires a 15-day waiting period² before your plan coverage takes effect.

Coverage Limits

There are no per-incident, monthly, or annual coverage limits with the Healthy Paws plan.

Reimbursement and deductibles:

You can customize your Healthy Paws insurance plan to select a 70%, 80%, or 90% reimbursement rate. You can also choose a $100, $250, or $500 annual deductible.

Pet TypeShort-hair catMedium mixed-breed dogLabrador Mix
Age524
Reimbursement Level80%90%80%
Deductible$250$500$250
Price per month$12.45$33.47$39.23

Claims and Service

You can submit a claim to Healthy Paws through your online account, through the Healthy Paws mobile app, or by email. Your claim must include the invoice from your veterinarian and your pet’s entire medical history if Healthy Paws does not already have this information on file. Most claims are processed within 2 days and reimbursements can be sent by direct deposit or check.

If you have a question about your claim, you can reach Healthy Paws’ customer service team by phone, email, or live chat. Support is available from 7 AM to 5 PM (PST) Monday to Friday and 8 AM to 5 PM Saturday.

What You Might Like

The Healthy Paws plan doesn’t impose per-incident or annual reimbursement limits. So, you’re covered even if your pet has multiple accidents or illnesses in a single year. Another nice thing about Healthy Paws is that you can visit any vet without prior authorization.

What Healthy Paws Could do Better

The Healthy Paws plan doesn’t cover examination fees or preventative care. These costs can add up over time, especially in your pet’s younger years.

Contact Details and Address

Healthy Paws Pet Insurance, P.O. Box 50034, Bellevue, WA 98015

Phone: (855) 898-8991

Bottom Line

Healthy Paws offers a customizable pet insurance policy for cats and dogs. The plan offers unlimited coverage for accidents and illness, with a reimbursement rate from 70% to 90% after your deductible. The Healthy Paws plan covers a wide range of care and allows you to use any vet, but does not cover preventative care, examination fees, or pre-existing conditions. You can submit claims to Healthy Paws online or via a mobile app and expect approval within 2 days in most cases.

Methodology

This review was based on information from the Healthy Paws website and online rate quote tool.

¹Premiums vary based on type of pet (dog or cat), age, breed and location. Rates must be approved by each state’s insurance regulators.

²Waiting periods do not apply to the states of Maryland and New Hampshire. Additionally, Maryland does not have age limits for hip dysplasia.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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  • author
    Alex B.
    6 hours ago
    Healthy Paws Affordable

    Healthy Paws have a friendly staff and care for your pets. Compared to other pet insurances, Healthy Paws' premiums are affordable and provide a discount when you address changes or add a pet.

    ...

  • author
    GC
    9 minutes ago
    Buyer beware - 50%+ rate increase if you buy Healthy Paws

    Buyer beware - Healthy Paws will jack your insurance premiums by 50%+! My pet insurance premium went up 30% when my pup hit 7 and then another 50% when my pup hit 8. So if you buy their pet insurance, you can expect double digit increases when your pet hits senior age. Healthy Paws will tell you premium increases of any amount is within their legal right, that your state approved the increase, that they are just doing it cover their increasing costs. The sleazy part of pet insurance is that the consumer can't just switch companies because future insurance won't cover preexisting conditions, so I am stuck with the double digit increases despite how unfair it is. I regret buying with Healthy Paws - you will get no sympathy when you try to explain the havoc this will wreak on your budget.

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  • author
    Desiree B
    6 hours ago
    Healthy Paws covered it all.

    My dog has been on Healthy Paws for 2.5 years. Luckily for me. He is on Thyroid medication, has broken a tooth requiring surgery, broken a nail requiring surgery, had growths removed, eaten two bees resulting in an allergic reaction and has had TPLO knee surgery. Healthy Paws covered it all.

    ...

  • author
    Julia Taylor
    12 hours ago
    Healthy Paws has always kept their promise!

    Healthy Paws has covered everything they said they would for our pup who has had a long road for the last several years. Most recently, he had a life-saving emergency surgery that was covered within 5 days of me submitting the claim which was thousands of dollars. We are incredibly grateful to have had their insurance coverage for both of our dogs for years now.

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  • author
    Yan Sun
    May 13, 2021
    Best pet insurance on the market

    My dog got injured from an accident and had to go through surgery. We've had previous experience using Healthy Paws when my dog was young and I knew we are well covered. So my focus was all on sending my dog to the vet and taking care of him afterwards. Without any surprises, Healthy Paws processed the claims so fast (literally in a couple days). I can't say enough good words for the best pet insurance from Healthy Paws.

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  • author
    Dan
    May 13, 2021
    We have both our dogs covered with…

    We have both our dogs covered with Healthy Paws and have been consistently more than satisfied with them. Most recently, our 3.5 year old dog needed an emergency root canal and, it turned out once the dentist go started, other dental work. It was very expensive, and after consulting our policy to see if we were covered, decided we thought we were. Submitting claims with Healthy Paw is ridiculously easy, and I'm very happy to say that they stood by their word and policy and came through for us big time. It's a huge relief to know this company is there for us.

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  • author
    Hollis
    May 13, 2021
    Best decision I've made as a pet owner…

    Best decision I've made as a pet owner is purchasing a policy with Healthy Paws Pet Insurance. Everything has exceeded my expectations. Highly recommend.

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  • author
    DA
    May 12, 2021
    Humans Should Have This Kind Of Coverage!

    I've had 2 cats covered with Healthy Paws for 5 years now. I'm jealous of the kind of coverage that my cats have, and wish that I could get the same kind of healthcare for myself in America. They've NEVER failed to pay exactly what my plan says they're supposed to pay. I've racked up some exorbitant bills over the years, and Healthy Paws have been a life saver.

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  • author
    Robin
    May 12, 2021
    Grateful for Healthy Paws

    I actually feel grateful for Healthy Paws, which allowed me to give the care to my senior Golden Retriever that he deserved and we wanted for him. They make the process very quick and easy which is so helpful during times when you were worried about your pet. I highly recommend Healthy Paws for your fur babies.

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  • author
    Veena Prakash
    May 10, 2021
    With Pet insurance you can ensure your…

    With Pet insurance you can ensure your pet gets the care it deserves as you don't have to worry about huge bills. I love Healthy Paws they take such good care of you from Customer service to Processing Claims. A huge relief and a lifesaver.

    ...

  • author
    Anita Quittner
    May 10, 2021
    Healthy Paws is the best pet insurance…

    Healthy Paws is the best pet insurance money can buy. Simple claim submission, quick reimbursement, great customer service. I highly recommend Healthy Paws to all pet parents.

    ...

  • author
    TicaThree
    May 10, 2021
    Healthy Paws has been good for my puppy!

    I have had a great experience with Heathly Paws and I have only had it for about 6 months! My little puppy Luna started having repeat UTIs and a few other symptoms. I wanted to get to the bottom of this to get this poor girl some relief. Thank Goodness I made sure to get her insurance that covered her within 2 weeks. I have been able to get her ther diagnostic tests and medicines covered at her regular vets office and even some tests that were run at the spcialists office that I probably would not have done otherwise. She is now feeling better and hopefully she won't need any more expensive care but I was sure glad to know that it was there when needed. It is like car insurance...you hope to never need it but when you do, you are very relieved and grateful!

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  • author
    Yvonne Angyal
    May 09, 2021
    Fast reimbursement

    Easy to submit a claim and they are very quick to reimburse and explain the reimbursement according to the plan you purchase. They also follow up to see how your pet is doing or if you have any questions. Overall very happy with Healthy Paws!

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  • author
    Mayra
    May 09, 2021
    Just recently

    Just recently, my 3 year old otherwise healthy Frenchton suffered a severe bladder infection. After multiple vet visits and two ER visits, we still couldn't figure out the root cause, so we couldn't properly treat him, and he ended up having to be Hospitalized. The overnight hospital bill alone was close to $6,000 in addition to the $2,500-$3,000 for the multiple vet and er visits prior. Healthy Paws covered 90% of the total, and the claim process took seconds. All I had to do was upload the invoice to my account, and the reimbursement check arrived in the mail in less than 10 days!! If it weren't for Healthy Paws, my dog would not have been able to get the medical attention he so desperately needed. Healthy Paws allowed me to give my dog my undivided attention by not having the burden of medical expenses I could not otherwise afford. Healthy Paws is affordable, reliable, life-saving and genuinely cares about the well-being of your pet. They even reached out to me directly to see how my dog was feeling and let me know they were here to help me. I wish all insurance companies operated like healthy paws.

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  • author
    Hanna O.
    May 07, 2021
    Reliable, affordable, and truly good customer service

    We have been really grateful to have found and relied on Healthy Paws for over five years. Our rescue dog was ~ 8 when we got him, and Healthy Paws made getting the insurance for him easy. As he's aged and run into several severe health issues, some of which have required multiple vets to diagnosis, we have been able to proceed without issue because of the quality of coverage and the quickness for disbursement to us via direct deposit. It is incredibly easy to file a claim and staff have personally reached out to us (not just transactional emails). Their policies are clear about what is covered (no plan covers pre-existing conditions) and all communication is easy to understand.

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  • author
    Bob Klock
    May 06, 2021
    A really great company

    A really great company. Totally responsible and reliable. Life saving help for our sick dog. Communicative and caring staff. Top notch.

    ...

  • author
    Customer
    May 05, 2021
    So Thankful!

    My pup had an unexpected hospital stay and I couldn't have been more thankful to have insurance to help cover it. The Healthy Paws team is so kind and very easily reached for information regarding your claims and coverage. I highly recommend!

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  • author
    Doron
    May 04, 2021
    Healthy Paws has been there for me and…

    Healthy Paws has been there for me and Koda when we needed it most. Emergency Vet is inevitable - This time he got a foxtail in his nose and he embedded it deep in his snout --- ER Visit - C-Scan - Scope - $2700!!!! Healthy Paws covered 80%. This is just one story!!!! Grateful to Healthy Paws.

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  • author
    Stacey Cafagna
    May 04, 2021
    Thank you Healthy Paws

    Recently Minnie was slowing down. We went to our local vet and he did an xray and some blood work and everything looked normal. He asked if he could run an ekg. We said yes. The ekg showed a 3rd degree av blockage and the only fix is a pacemaker. Our vet said Minnie needed the pacemaker that day to avoid going into cardiac arrest so we drove her to the nearest cardiologist and had the procedure done. Not once did we have to worry about the cost as we knew we had Healthy Paws. We just needed to worry about Minnie. She is now home and recovering really well. Thank you Healthy Paws.

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  • author
    Bill
    May 03, 2021
    After doing due diligence in finding…

    After doing due diligence in finding the right pet insurance, we chose Healthy Paws. This was a tough year for our dog Zoey who needed bladder stone surgery followed several months later by excision of a skin mass. Having insurance saved us about $1500. Uploading the vet’s detailed bill through Healthy Paws app was simple and within days coverage was confirmed and a check deposited directly into my checking account. It could not be any easier. I highly recommend Healthy Paws insurance for your pet,

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  • author
    Cody
    May 03, 2021
    A must have

    I am so incredibly happy and lucky to have gotten healthy paws. Every person I have talked tomover the phone is wonderful. I bought the insurance the day after I picked my puppy up, 6 months later she ate a piece of towel. Of course it's a Sunday night at 9pm so I rush her to emergency clinic (which is always more $) she wouldn't have made it through the night. She made it through surgery $3000, and they paid 90% no questions asked. Every claim I put in they are very quick to get me money back. Recently my dog tore her ACL soni had to bring her toa specialized orthopedic surgeon, they did surgery $6700 later she is stitched up and on the heal. I submitted my claim at 1130 am while waiting for her to be released, by 4pm the same day I got an email saying I have a check in mail for $6040. I really can't say how much of a lifesaver they have been for me I don't have a single complaint about them, they even send emails asking ow she's doing after her knee surgery. I will never have a dog without healthy paws I recommend them to all my family and friends. The crazy thing is it's easier to submit a claim and your money comes faster than human insurance.

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  • author
    Denise
    May 03, 2021
    Excellent Pet Insurance

    I've had Healthy Paws for over 10 years and they've always been great to work with. Recently, however, my 1 dog has had to undergo a lot of extensive and expensive treatments. I can't say enough about how wonderful they've been. I've had my reimbursement in my account the next day [of submittig the claim] and they've sent me persoal emails checking in on Zoey to see how she's doing. Those personal touches of compassion really sets them apart. I've referred 2 people to them and they themselves are happy as well.

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  • author
    LAURA MARIA JOHNSTON
    May 03, 2021
    Perfect Service to PATHETIC and outrageous prices!

    Healthy Paws was the most amazing pet insurance with incredible customer service. They have turned out to be the worst company ever with ZERO customer service. I started with them in 2013 and I paid around $35.00 a month. It was raised to $76.20 on December of 2020, which I justified because they were amazing. When I received my bill on January 29,2021 I called and cancelled my policy because the insurance was raised again to $114.30 a month. When I received my credit card bill in February they charged my credit card twice for $114.30 totaling $228.60 after the policy was cancelled. I have spent endless hours trying to resolve this issue and they keep sending an email that they will contact me within three days and never do. It has been months and they DO NOT return phone calls and I have not been reimbursed. I have referred this insurance to my friends, neighbors, co workers and his daycare and everyone is dealing with the same issue. All of our prices went sky high and they keep charging our credit cards. We are contacting the BBB and disputing our charges with our credit cards. DO NOT even consider insuring your pet with this unethical business. They were sold in December of 2020 and the new business owner/owners are con artists!

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  • author
    Irena Pawelski
    May 02, 2021
    C.J.

    C.J. have ruptured his Cranial Cruciate Ligament while playing with a ball. During diagnosis, surgery and recovery processed all the insurance claims with his veterinary records attached were paid timely and based on our policy - 80% of all medical care and prescription medicine coasts. The Healthy Paws insurance was a big part in assuring that C.J. receives the best available medical care. Because of our very positive experience, we would recommend the Healthy Paws Insurance to all pet parents.

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  • author
    Rhona Ferguson
    Apr 29, 2021
    Excellent attention, rapid turn around

    I have used Healthy Paws for three different illnesses involving my dog. Their app is user friendly, simply taking a snapshot of the documentation and submitting. Payment turn-around is just a few days. There is even follow-up to make sure your pet is doing well.

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  • author
    Kevin Bright
    Apr 28, 2021
    This company is terrible

    This company is either completely incompetent or a scam. I signed up four months ago. Paid all of my premiums. Submitted two claims for a total of about $150. After I submitted, they wanted complete medical records, which I provided and uploaded. Then I got another email asking for complete medical records, which I again provided. Then I got another email for a third time asking for complete medical records. This email threatened to decline my claims if I didn't (again) submit the medical records. I called the customer service number. Spoke to a woman who told me the claims examiners were looking for proof of a physical examination on 12/24/20. She looked at the medical records I had uploaded and indicated that she found reference to the examination on the one record and that she would submit everything for processing. A day later I got a fourth email asking me to submit complete medical records. Before I could even respond, the company sent another email saying that the claims were denied because I didn't upload medical records and the claims expired. Called them back, was put on hold for a manger for 25 minutes. Hung up and filed a dispute with my credit card company for the premiums I had paid. This company sucks. Go elsewhere. Not worth the aggravation.

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  • author
    christina schroeter
    Apr 28, 2021
    they did what they said they would!

    A few close friends got together to celebrate one of our birthdays. What was a delightful and casual little get together became my worst nightmare when a balloon popped and startled my new affenpinscher pup. She jumped off my lap and broke her arm. I scooped her up as quickly as I could and rushed to the emergency vet. My poor girl was in so much pain and I was so disappointed in myself that I could let something like this happen to her. Luckily the emergency vet we took her to is AMAZING and super compassionate which eased my stress, but they can't waive a 6k bill when your puppy breaks two bones and needs surgery to insert a plate and screws into her tiny arm. I put it on my credit card and started to panic thinking I didn't "do my pet insurance right"... Are there prerequisites that I didn't meet? Will this not be covered? I submitted my claim through their website via the claims portal. I received some emails that I needed to provide medical records. I provided everything I had, but they asked for more. I started to panic more that this expensive event wouldn't be covered, but after submitting everything I had, I emailed and said that she was a puppy and had only been to the vet a few times. I received a nice email back saying she would let the claims department know. After that, I received an email that my claim was being processed and a few days later I had $4000 in my bank account. I couldn't believe it, but they covered every single thing they said they would. Honestly I wish my health insurance was this clear and easy. I have recommended healthy paws to everyone I know with a pet. I am incredibly happy that they were there for me in a really stressful time.

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  • author
    Kelly Cummings
    Apr 28, 2021
    Our dog recently had to have his toe…

    Our dog recently had to have his toe amputated because of an injury. The claim was easy to file and they paid 90% of the entire amount, after the deductible was met, with no tedious questions asked. We have 2 dogs covered by Healthy Paws and they have been great each time we have needed them. Also, we got the reimbursement check in record time!

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  • author
    Patty from Santa Rosa, CA
    Apr 27, 2021
    Healthy Paws was an is a life saver for Bentley

    My three year old cat was diagnosed with chronic kidney disease in February and was hospitalized for nine days. The day he was admitted, I called Healthy Paws and explained his illness. The hospital had quoted us around 500 dollars per day. We were concerned about whether we would end up with a huge bill, but the agent at Healthy Paws with whom I spoke indicated that the insurance would cover 80% of hospitalization, medications, blood tests and a sonogram. We were relieved. His vet and hospital bills were in excess of 5 thousand dollars. He was in hospital for nine days. Healthy Paws paid for everything but the vet physicals as their coverage states. He will require ongoing meds and tests for the foreseeable future, but I am not worried about how to give him the best care possible with the Healthy Paws insurance. They are truly working for you and your pet. The customer service was more than accommodating and really wanted to help us. I was missing some needed information from the vet and rescue agency. Diana took it upon herself to find it for us. She called the rescue and the vet associated with the rescue agency. She went above and beyond to help us get his claims started. I never felt as if I was talking to an insurance company. They were always there to help. Their customer service is the best. All of them were great, but a special thanks to Diana and Jennifer who helped me through this worrisome time.

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  • author
    Ivan C.
    Apr 27, 2021
    Puppy food poising / Healthy Paws did great!

    My curious, chew and eat all 6 months old Labradoodle had a serious food poisoning event, she was in bad shape, constant vomiting, dehydrated, etc. we had to take her to urgent animal care, x-rays, ultrasound, lab work to check liver levels, etc. and she had to stay over night at the hospital for monitoring and to keep her hydrated and with medication through an IV. The bill was over $2,000 and Healthy Paws was great! We just uploaded the bill through the app and within days the claim was processed and approved without hurdles or back and forts. I also had a follow up email on how my dogs was going. We've been with Health Paws for a few years with 2 dogs (both Labradoodles) and we could not be happier with their service.

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  • author
    PJ Moynihan
    Apr 26, 2021
    Healthy Paws Is Amazing!

    We have been a client of Healthy Paws for several years now and couldn't be happier with their service. One of our dogs has required several leg surgeries and Healthy Paws has helped us out tremendously. They are really prompt with excellent customer service and great prices. They are the best pet insurance around.

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  • author
    William Tran
    Apr 26, 2021
    I love HealthyPaws Pet Insurance

    I love HealthyPaws Pet Insurance! They respond quickly to any questions or requests and process claims in a matter of days, resulting in a nice check just a few days after our vet visit. I only wish that they provided Human Insurance because I'd sign up with them immediately.

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  • author
    Alain Leibman
    Apr 26, 2021
    Happy we chose Healthy Paws insurance for our puppy

    We chose Healthy Paws (Chubb) insurance for our newly-adopted puppy in October 2020 because we read many positive reviews of the company. Its plans and prices made sense to us, as well. Six months later, we've very happy with the choice we made. Unfortunately, our puppy has had some unforeseen medical issues and has required surgery as a result. He's well on the road to recovery, but it helped his owners to know that Healthy Paws was there to provide the coverage and reimbursement we had counted on. Their customer service, both through the website and via live representatives, has been excellent and they've processed our claims quickly and fairly. That's all you can ask of an insurance company.

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  • author
    Lionel Klein
    Apr 23, 2021
    I cannot convey my appreciation enough…

    I cannot convey my appreciation enough for the level of customer service and thoughtfulness displayed by the Healthy Paws team. The claim process is absolutely seemless, but it’s not about the money here... Healthy Paws actually genuily cares about your pet and their well-being. I can not recommend them enough!

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  • author
    Heather
    Apr 23, 2021
    Submitted a Healthy Paws claim for…

    Submitted a Healthy Paws claim for double Cherry Eye surgery my pet had. The process was efficient and seamless.

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  • author
    Lisa R.
    Apr 23, 2021
    Don't hesitate, i promise you it is worth it!

    If you are going back and forth on whether or not you should/should not sign up for Healthy Paws insurance, I will be the first to say I was just like you. I used to be one of those “Why spend money on pet insurance, how much can they honestly get sick?”, and then I came to realize that it was one of the best decisions I have made (aside from adopting my pup of course!). Healthy Paws has LITERALLY saved my puppy’s life. My puppy at only 8 months old (healthy as can be, might I add) – decided to pick something off the ground on a walk, and swallowed this foreign object. He was not able to pass it so he had to get emergency surgery. Few days later post-op, he became septic from the first surgery, and needed to get another surgery, including a feeding tube + tons of antibiotics. The options I was given were to A: Get the surgery, or B: euthanasia… how could I possibly do this with a healthy 8 month old pup!? Fast forward to today, and my puppy has healed up and Healthy Paws has LITERALLY saved my puppy’s life – without having the insurance, I would not be able to pay for such expensive surgeries. What we paid overall out of pocket was the cost of JUST the first surgery, meaning that Healthy Paws has saved us over $15K – and we spent under $5K. Also, compared to other pet insurances that have caps on how many claims they can submit, Health Paws is UNLIMITED – which helped us since ours was so high in vet/hospital bills. Overall, the price per month for Health Paws is SO minimal, I am sure that most spend more on Starbucks/Takeout than they would on the monthly cost of the insurance. Another thought as well – would you go without insurance for a human? I highly doubt that – and to me, this is the same for my dog. My claims were processed almost every time within 24 – 72 hours, with a check in hand almost immediately following. The customer support team as well throughout the past 3 weeks of everything they have even sent personal emails checking in on him! I only wish my doctor was as kind as them :) Again, if you are hesitating on signing up for Healthy Paws, please PLEASE take a deeper look at their minimal costs per month, extremely low deductible once you submit your first claim, and the comfort of knowing that if for some reason anything did go wrong with your pet, you are reimbursed anywhere from 70-90% of that cost, depending on the plan you choose! Healthy Paws is something I will invest in for not only this dog, but any other animal I ever adopt in the future. Thank you Healthy Paws! :)

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  • author
    Ross
    Apr 22, 2021
    WARNING Do not use this insurance it is…

    WARNING Do not use this insurance it is a scam! They will drag you through the mud for months and their customer service reps will soften you up by assuring your claim is being handled, it won’t be handled and won’t be covered! What an awful experience, go with Figo or Embrace instead.

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  • author
    Lynne
    Apr 21, 2021
    Good experience

    My pup tore his cruciate ligament and had to have surgery and rehab. Healthy Paws has been very responsive and quick with all the claims that I have submitted. They covered exactly what was stated in the policy. I have had no issues with the many claims that I submitted from this incident. I have been very pleased with their response and coverage.

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  • author
    Sam Temeles
    Apr 21, 2021
    I have had Healthy paws insurance now…

    I have had Healthy paws insurance now for 7 years for our dog who is now 13 years old. They are an excellent insurance company. great customer service, prompt payments. highly recommend them

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  • author
    Gino
    Apr 20, 2021
    Thank goodness for Healthy Paws

    We own to German Shepard girls and on occasions they get sick and need to pay a visit to the vet, I'm just glad we've them insured through Healthy Paws, they've been so kind and courteous anytime I put through a claim and as usual they process my claims in a timely fashion, so if you must take your pets to the vet be sure to have them insured through Healthy Paws, you'll be happy that you did, we've been with them for the past 5 years and we've been real happy with their service!

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  • author
    S. Bowman
    Apr 19, 2021
    Easy, caring and professional

    Easy, caring and professional are just some of the words I would use to describe Healthy Paws Pet Insurance. I adopted a two year old dog last year and my parents recommended getting insurance. I was skeptical, but enrolled anyway. Unfortunately a few months later our new family member has had some issues and Healthy Paws stood by their word and was there for us the entire time. Claims were easy to file online and all paid quickly. Could not recommend more!

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  • author
    Lucas R
    Apr 19, 2021
    I was skeptical of the no cap idea but…

    I was skeptical of the no cap idea but then realized they mitigate costs with the pre-existing conditions and office visit exclusions. I get it and know that they are trying to make money and provide a much needed service. They succeeded in my case. I got a puppy and so wasn't worried about any pre-existing conditions but she swallowed some plastic at the dog park and needed emergency surgery after a number of costly procedures. The total bill was around 6k and they reimbursed me 4k+. So, no complaints here. The app is very easy and the turn around time is ridiculously fast. They really took the agony out of what was already a VERY difficult time. I recommend them highly and thought everyone was really helpful and empathetic. They even sent an email to see how shes doing. What insurance company does that!!! I say even if you are using them basically as a savings bank for future costs, its really worth it when the chips are down. Thanks Healthy Paws!!!!

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  • author
    Ashley Anttonelli
    Apr 19, 2021
    Our 2 years old Dane recently bloated…

    Our 2 years old Dane recently bloated and we rushed him to the ER. Turned out he had GDV and a congested spleen. It was the scariest 4 days of my life and even though we’d go broke to save him, it was comforting to know our insurance would be there to support us. After having his stomach tacked, spleen removed, aspirating, and having cardiac issues as a complication, I was a wreck. Healthy Paws, processed our 9k$ claim within 5 days and is covering 90% of the bill. Having the peace of mind with a great insurance company who is always there to take calls and answer questions about claims is a huge relief as a pet parent. They are our kid and we’d never go without pet insurance. We have two dogs insured with Healthy Paws!

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  • author
    Amy Wilson
    Apr 19, 2021
    Paws up for Healthy Paws

    Healthy Paws is an amazing pet insurance plan. Their quick return on claims is unbelievable. Their employees are friendly, knowledgeable and helpful. I can’t rate them high enough!

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  • author
    perry gwinn
    Apr 19, 2021
    My Healthy Paws pet insurance has more…

    My Healthy Paws pet insurance has more than doubled in the past 2 years I now pay $123.00 a month and have never used it. Healthy Paws said expect it to keep rising randomly as your pet gets older.

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  • author
    Rachel Juzapavicus
    Apr 18, 2021
    Healthy paws raises your rates when you submit a claim…

    my friends referred me to healthy paws and after having 2 seniors dogs with many illnesses I decided to purchase Healthy paws pet insurance with our new rescue who was about 3 years old. This week, at the age of 5, she was diganosed with a seizure disorder. 2 days after I submit the claim they send me an email telling Me my preimums will increase 10 dollars a month but insist it has nothing to do with past claims. Ive had the insurance for 2 years and never used it and now I use it and 2 days later they increase my rates. I have warned all my dog parents to stay away from healthy paws after this interaction. My dog now has a preexisiting condition so we can’t switch insurance companies unless we accept paying for her illness on our own DONT BUY healthy paws!

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  • author
    Cristine W
    Apr 16, 2021
    When it matters...

    I have been with Healthy Paws since 2017, and while they aren't perfect (as I'm sure no company is), in the end, the positive definitely outweighs the negative. I'm fortunate to say I'm not one of the customers who encountered crazy premium increases; if so, I'd likely feel different... however, the business of insurance in itself can easily turn messy - things don't go your way and your entire world is turned upside down. For me, I happened to pick the right company at the right time for my cat who was afflicted with gastroentestinal issues chronically starting about 6 months after establishing our relationship with Healthy Paws. Not once did I ever run into a single solitary issue when it came time to get reimbursed for her qualified medical expenses, and we went to the vet ALOT. So often there were times I called apologizing for the volume of claims I was submitting at once, afraid I'd be denied just because I started getting self conscious. Their customer service is unparalleled, notably so when it comes to calling in with questions/concerns, clarification. I was always treated with warmth, kindness, respect. Where they fall short? Communication. At times it was maddening how often they needed the same thing over and over again because of incomplete records or something, something seemingly more prevalent of recent times. Often it was like there was a lack of note taking between customer service reps so information I'd call in with sometimes wouldn't get processed and create confusion. This occurred with my second pet whom I went through the appeals process with and eventually just walked away from in the end (fighting the claim, not my pet). Perhaps Covid-19 times have brought about these instances/experiences of mine. Importantly though, my cat passed last week and Healthy Paws has been more compassionate and comforting towards me than my own veterinarian. That's not an exaggeration. To me that's tremendous. Today I had to call to discuss the final invoice/claim and the woman helping me took the time to share her regret for my loss, look at the photo of Sophie I had for the profile picture, and tell me how beautiful she was. Perhaps I'm being naive, but she didn't have to "make the effort". It's not always about money and it shouldn't be. Thank you for being there for Sophie.

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  • author
    Kyle Svetlik
    Apr 15, 2021
    Claims make your premiums skyrocket

    Healthy Paws has always been fair with price and service for 7 years, until I had 2 claims for my Standard Poodle 2 years ago. He is 12 years old and the surgery and care saved his life, but after filing a claim his premium went from $70 a month to $100 then a year after that to $180 a month. I now have a dog I cant afford the insurance payments for that will not get coverage anywhere else. Healthy Paws was happy to keep my premium low while I had no claims, but once I needed the insurance they made sure I wouldn't keep it.

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  • author
    Kelly H
    Apr 14, 2021
    Will never go without Healthy Paws! A+ coverage

    We have carried Healthy Paws pet insurance since we adopted our dog. He has had numerous claims and all have been paid with no issues. Their customer service is top notch and turn around time on reimbursement is very quick. We have even received phone calls and emails inquiring about how Milo is recovering from surgeries and/or illness. Highly recommend!!!!

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  • author
    Carol Thomas
    Apr 13, 2021
    They are a scam

    They are a scam! Every year they raise my premiums, but 50% increase is ridiculous! 150.00 a month!!!!!! And I’ve been with them since 2013.

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  • author
    Dustin Nitsud
    Apr 13, 2021
    Unreasonable rate increases that go…

    Unreasonable rate increases that go increase insanely high as your pet ages in comparison to similarly rated plans.

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  • author
    Linda Sughrue
    Apr 13, 2021
    Fast and caring service

    If you're not sure whether it's worth getting pet insurance: it IS. While most insurance options I explored don't cover general preventative and routine vet visits, when my fur-baby Barkley suddenly wasn't eating for days and having severe GI issues, I did not worry about the cost of having to take him to the hospital. After extensive tests and a couple of nights in the hospital, he has bounced back. And so did my wallet - the claims process is really easy - all online, and I received my benefits direct-deposited in less than 2 weeks. Better still, their customer service reached out to me to see how Barkley is doing.

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  • author
    SED
    Apr 13, 2021
    I have been happy with the claims process

    The coverage and reimbursement process are thorough and fast. I've never had an issue with a claim. I've had this insurance for about 7-8 years. My only complaint is the premiums. My pet started at under $50 per month for the highest level of coverage. Now I pay over $100/month ( $108?) They have a lot of age limitations now and the premiums even for young dogs are quite high. I signed my new dog up with a different company, soley based on premiums. I chose as close to the same coverage as possible and it's $15 less per month than healthy paws would be. I made 1 claim, which was paid, but the process took a month longer.

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  • author
    Mon
    Apr 13, 2021
    Not a happy customer

    Had an emergency with my dog, didn't want to cover anything because they say that my dog issue was something pre-existing. My dog didn't have any pre- existing diagnosed issue.

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  • author
    Amy Fuchs
    Apr 12, 2021
    So grateful for Healthy Paw insurance

    We have a Pug, and he was having an increasingly difficult time breathing, could not handle any heat or much exercise (even though he is young and at a very healthy weight), and oftentimes would gag or throw up from exertion. We discovered that Max's breed is prone to having these types of issues because of his breed, i.e. a hereditary condition. I Reviewed our insurance Healthy Paws policy and found that it did, in fact, cover hereditary conditions, but I was still unsure if the surgery would be covered. Our Max had the surgery, and the next day I submitted a claim. it was approved by the end of the day and we were reimbursed within 48 hours! I was happily shocked by how easy it was to submit the claim and how quickly we were reimbursed. I will be completely honest, I do feel like the monthly payment for our policy was a bit high and has increased 2x I believe, but I am so grateful that I purchased it and kept it through those increases and I will continue to be a Healthy Paws customer indefinitely.

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  • author
    Patrice Moon
    Apr 11, 2021
    A Heartfelt Recommendation

    We have Healthy Paws Pet insurance for years. We were fortunate to not have to make any major claims in the past. This year we discovered that our dog has cancer and after numerous test, the vet was confident that surgery was in the best interest of our dog. Her surgery would have cost about $12K. There is absolutely no way we could have afford this surgery without Healthy Paws. Instead it cost us about $2K. It is because of Healthy Paws that we have been gifted with more time with our dog. We will be lifelong customers and advocates

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  • author
    Kathleen Murray
    Apr 11, 2021
    Healthy Paws recently covered my dog's…

    Healthy Paws recently covered my dog's leg surgery. They were quick with response time and the claim went from submission to benefits declaration within about a week, including the Easter Holiday. I've been impressed with their customer service and the ease of website navigation. Their monthly premium is also very reasonable compared to other pet insurance companies out there.

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  • author
    Robin Stein
    Apr 09, 2021
    Love Healthy Paws

    Healthy Paws was recommended to me by a co-worker after I talking to her about my trouble with my previous pet insurance. I could not be happier. It is so easy to submit a claim and my re-imbursement check is sent within a week. They even sent me an email to check on my dog Maggie after she had surgery. I am so happy with Healthy Paws and recommend it to all pet owners.

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  • author
    Kim
    Apr 09, 2021
    I am so grateful and impressed with…

    I am so grateful and impressed with Healthy Paws customer service and speediness on resolving claims. I lost my job when the pandemic hit and it's been a rough road with my dog Pancake. I adopted her 11 months ago and right after adopting her had to take her to the ER, and then a few months later she starts to hop, eventually leading to a ruptured CCL. All to say that I didn't know the difference when I signed up with Healthy Paws (referred by Pancake's dog trainer) but now I DO know the difference. There is no way I'd be able to cover the astronomical bills my dog has incurred in under 1 year. I'm grateful that I don't have to consider not getting her care due to costs, and I'm grateful that upon submitting a claim, the reimbursement shows up in my bank account within a few days. That is relief and eases my mind so I don't have to stress about money. Thank you for taking care of me and my dog through this very challenging time.

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  • author
    Kendra G
    Apr 09, 2021
    Dog exploded, bank account did not

    Our dog developed a large, serious abscess, and after ignored by the usual vet. I woked up at 2AM to our dog crying terribly because it had come to the surface and ruptured, exploding lymph and blood everyone. At age 5, we weren't going to let her go because someone else missed something. After 4 weeks of surgery (including draining the abscess, debriding an extensive area of necrotic tissues, and installing a drain, we're happy to say our dog is happy and healthy. And we are even more grateful that Healthy Paws was here for us; they reviewed our claim and dealt reimbursement fairly. There has been no talk of kicking us from the plan or anything for such a large claim. Because of their business operations, we got that money back to save away (perhaps in another dog fund.) I'd really recommend Healthy Paws, everything was extremely simple and user-friendly to get our claim filed and done.

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  • author
    Deborah Rosenthal
    Apr 09, 2021
    Thank My Lucky Stars for Healthy Paws!

    Murphy is my fourth pure bred German Shepherd. I've insured all but one of them, and I learned that was a mistake because it is always something with the pure bred Shepherds although it's mostly been a different issue with each one. Murphy is the first dog I've insured with Healthy Paws and they are by far the best. The claims handling process is super simple, they pay very promptly and customer service is very helpful. Murphy just had both of his elbows operated on and I wasn't sure if everything would be covered so I called for some guidance. Although they can't guarantee coverage, they will explain what categories of treatment won't be covered. For example, treatment considered experimental like stem cell shots is not covered. Frankly, I was surprised at the breadth of the rehab they do cover. I also think that the unlimited dollar amount of claims is hugely important. I could not have afforded all of the treatment Murphy requires without the policy (his elbow surgery and treatment will end up costing about $7K). Luckily, I have 90% reimbursement. Although it costs a little bit more in premiums, Healthy Paws reimburses me more each month than I pay in premiums because Murphy also developed allergies and is on monthly meds that are expensive. Sometimes I even feel a little guilty submitting claims because they have paid so much more than my premiums. I've recommended Healthy Paws to a lot of people, but generally they don't end up even getting insurance. That seems insane to me. It is one of the best investments you can make in your pet.

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  • author
    Linda Scharrer
    Apr 08, 2021
    HealthyPaws is a great company

    HealthyPaws is a great company. My dog tore her ACL, the surgery was $5500. I paid 20% and the rest was covered by HP. I submitted the claim, and had a check within 2 weeks. They also sent me an email inquiring how my dog was doing. Great customer service, very happy with HealthPaws!

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  • author
    Edgar Mejia
    Apr 11, 2021
    Long process to get reimbursed

    Really long process to get reimbursed I had to constantly keep calling asking for supervisors to escalate in order to get answers and finally got reimbursed thanks to last supervisor I spoke to.

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  • author
    Sabrina Loesh
    Apr 08, 2021
    Healthy Paws is a must have!

    Healthy paws has been the absolute best! While I maintained my policy for many years without making any claims, Healthy Paws has been there when they were most needed covering over $25K in medical costs within the past 6 months. This year my beloved 14 year old dog developed liver cancer. Healthy Paws has covered absolutely everything from tumor removal surgery to specialized genomic cancer testing to chemotherapy and ongoing monitoring. My little guy is still with us and doing fine because of the fantastic care I was able to procure with my Healthy Paws coverage. So so thankful for the peace of mind.

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  • author
    Maryanne
    Apr 07, 2021
    I have been very happy with Healthy…

    I have been very happy with Healthy Paws insurance. My only hesitation is the cost. However, when my dog needed emergency care it was such a relief to have her fully covered by a company that had covered claims in the past with little hassle. I was able to make decisions based upon what was best for my little dog, rather than the cost of the procedures. Healthy paws was quick in settling the claims and very compassionate.

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  • author
    Martyn Crook
    Apr 07, 2021
    Acted with integrity

    I took out insurance on my two cats through healthy paws 4 years ago. I had a discount through work which I couldn’t get activated on line and so I called to finalize the policy and review the details. I recently needed to file a claim and discovered that both policies were set up incorrectly. It’s been several weeks waiting for a response to the claim and I feared this was a tactic to deny it - but nope, they honored the claim and adjusted my premium accordingly. That’s integrity.

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  • author
    Lisa F
    Apr 07, 2021
    Thank goodness for Healthy Paws!

    After losing my two dogs within 5 months of each other I often wondered what more I could have done for them with the financial ability to do so. When I got a new puppy and she had a tendency to put everything she saw in her mouth I thought I would make an investment and get insurance. After looking at many different companies and plans I went with Healthy Paws. The ability for me to choose my payback percentage and deductible and customize my plan was a huge draw. The phone app is a godsend. The moment I get an invoice I just take a photo on the app and let it get processed! Unfortunately at just two years old my little girl was diagnosed with a pretty bad autoimmune disease. heathy paws has been a godsend, giving her the best care I can is now possible, and a huge weight off my shoulders knowing for once I can actually do everything I can for my baby. Highly recommend healthy paws!

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  • author
    Lenia Elsbury
    Apr 05, 2021
    Absolutely terrible

    Absolutely terrible! They do not cover examination fees even though this will always happen in order to diagnose and treat a pet. Had to jump through many hoops to get vet bill covered and even then it was never covered! They proceeded to increase my monthly payments because they claimed my dog was entered as a mix breed rather than a full. Waste of money and time! Do not use!!

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  • author
    Maddy
    Apr 05, 2021
    DON’T FALL FOR THE REVIEWS!!!!!!

    DON’T FALL FOR THE REVIEWS!!!!!!! THIS COMPANY IS A SCAM OUT TO STEAL YOUR MONEY AND WASTE YOUR TIME!!!!!!! Not to mention, their policy prices skyrocket for no reason! DO YOURSELF A FAVOR AND FIND A DIFFERENT COMPANY

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  • author
    Jevon Ward
    Apr 05, 2021
    Saint’s Experience

    We have a Shar Pei and they are prone to eye problems along with a few other ailments. Healthy Paws has been great with with coverage for our boy. He just recently had eye surgery and knowing we have Healthy Paws Insurance made us feel better. We knew his surgery was going to be covered and they always follow up to check on how your pet is doing. That’s outstanding customer service to my family. Keep up the great work!!

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  • author
    Ivette W
    Apr 04, 2021
    Peace of Mind

    My 5 year old Golden doodle is recovering from cataract surgery. Healthy Paws was so easy to work with, all I did was take a picture of the bill and the company sent the response within 48hrs. Healthy paws reimbursed 80% of all the cost, no questions asked :)

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  • author
    Robert
    Apr 11, 2021
    Warning, do not believe all those rating stars

    This company is quick to take your money, but horrible about living up to their agreement in paying for a claim. I have been fighting to get a return on vet care claims and have been lied to by customer service, them loosing records submitted, and finding everyway they can to stall or refuse in regards to making a reimbursement. This is not a reliable company and advise not to believe in all those stars in the reviews. To answer why you can not find me is simple: The account is in my wife’s name, not mine.

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  • author
    Kathleen OBrien
    Mar 31, 2021
    Wonderful, NO HASSLE, Pet Insurance!

    I have never been so pleased with an insurance company - pet or anything else! I submitted claims on two separate occasions for one of my kitties who had some significant health issues. Healthy Paws was fantastic to work with on this already stressful process. They accepted the claim, paid it out without any hassle and paid exactly what they promised. I love this company!! (I have already recommended to friends who signed up).

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  • author
    Kayley Seder
    Mar 31, 2021
    Great service

    Great service. My poor pup had a split tooth, and it needed to be remove in a major surgery. Healthy Paws customer service was so helpful in talking through my policy and what would be covered. Submitting the claim and getting reimbursed was no hassle. Recommend them so highly

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  • author
    Derek
    Mar 30, 2021
    Great Company!

    Great company! They're very fast at processing claims, have good coverage, and are clear in their explanations. And, they actually care, they often follow-up to check in on our pup.

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  • author
    Connie Vandergriff
    Mar 29, 2021
    Healthy Paws has lived up to all my…

    Healthy Paws has lived up to all my expectations and more. Our poodle-mix rescue was a healthy one-year-old when we got her. She's eight now and Healthy Paws has helped us keep her going. She's had major dental work ($3600), two pancreatic attack incidents, several injuries, and ongoing allergy medications. Healthy Paws reimburses us promptly and sends messages asking how she is doing. Whenever we need Veterinary services, we do not hesitate to get our dog the care she needs. This insurance gives us great peace of mind.

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  • author
    Sara S.
    Mar 29, 2021
    Our pup came down with a pretty nasty…

    Our pup came down with a pretty nasty stomach bug, causing him to spend two nights in the animal hospital. Once he got better and the dust settled, I submitted a claim to Healthy Paws. The whole process was incredibly easy! After uploading the necessary documents to their website, which was really simple, I received a confirmation email immediately. A day or two later, I received an official claim number, and then the itemized reimbursement statement about 5 days later. Then reimbursement check also came very promptly. It was a very smooth process! About a week later, they sent me a personalized email checking in on our dog, which was so thoughtful!

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  • author
    Rhonda T
    Mar 29, 2021
    For peace of mind, get Healthy Paws Insurance!

    Our dog Tofu recently underwent surgery for an intestinal obstruction. His recovery was complicated and we were very worried about him pulling through. The stress of taking care of Tofu was difficult enough; at least we didn't have to worry about the high medical expenses thanks to the excellent coverage we have through Healthy Paws. Healthy Paws Pet Insurance covered everything they promise to cover with no questions asked and with a quick turn around time. I would highly recommend everyone who loves their pet to take out a Healthy Paws insurance for peace of mind. The last thing you want to worry about while caring for your sick pet is how you're going to cover the bills!

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  • author
    Michelle Lowenberg
    Mar 29, 2021
    The best pet insurance company- kind and responsible

    The best pet insurance company out there. They actually care about you and your pets and are transparent about coverage.

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  • author
    Ellen Beaudette
    Mar 27, 2021
    Dear Healthy Paws Family,

    Dear Healthy Paws Family, I can’t begin to thank you for helping to take such good care of Haley. I know that she was a very costly dog for your company, but please know how much you helped to give her a full life until her sudden and unexpected passing. We would not have been able to give her the care she needed and deserved without your help. She was truly our precious pup and blonde beauty. Our hearts are broken. I rave about your company to anyone who will listen: what types of care are covered, the fast turnaround when a claim is filed, and the caring people on the other end of the phone whenever I had a question or concern. Please know how very grateful we are to all of you who helped to make Haley’s life as good as it could possibly be. With heartfelt gratitude,

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  • author
    Lar
    Mar 26, 2021
    Healthy Paws is the Best!!

    I cannot say enough about how wonderful our Healthy Paws Family is! We absolutely love this company, the customer service is second to none. They are amazing at processing claims quickly and efficiently. They also follow up through email to make sure our baby is ok after we have filed a claim and truly care about their clients! The rates are affordable with different plan offerings and the reimbursement is great!! You will not regret covering your fur babies with Healthy Paws!

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  • author
    Daniel Perez
    Mar 26, 2021
    Fantastic, Kind, and Timely Pet Insurance

    We've had Healthy Paws policies for our pets for 6 years now, and we are very happy with the level of service they have provided us over the years. When adding a pet, they are very thorough, but it's necessary and has the added bonus of making sure we have records of our pet's histories, which we like to keep track of anyway. The younger the pet, the easier it is to enroll! Once enrolled, though, upkeep is very simple. I just take pictures of all my pet's invoices/labs and submit a claim on my phone, no writeup required. We recently experienced our first incident where we went beyond our deductible due to our cat being hospitalized for a week. Luckily, he came out of it like a champ. Since they had all my records already, it was simply a matter of submitting the new invoice/lab pictures. Within 2 days, all of my claims had been approved without question or hassle, and I received the check in the mail within the week. They even cover medications, which he now has to be on, which is a huge help. They also followed up with an email to see how our boy was doing. The customer service is definitely awesome! One last note: When one of our dogs passed away, we had to remove her from our insurance. Shortly thereafter, we received a handwritten letter in the mail signed by many folks to offer their condolences, which was incredibly sweet during such a rough time.

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  • author
    isabel
    Mar 25, 2021
    Healthy Paws delivers & trully cares…

    Healthy Paws delivers & trully cares for your animals. I highly recomend it. Our puppy Pomeranian broke his leg & since he is out first pet I didn't even know you can buy pet insurance so inexpensively. After his 5K surgery & after care I was determine to find quality pet insurance just in case something like that was to happen in the future. Sure enough couple of months later our dog was diagnosed with hereditary hip disease & needed FHO surgery. I was so relieved Healthy Paw took care of almost whole amount after $250 deductible. It was my best decision ever. They even contacted me to find out his progress after surgery. Can't thank them enough💗

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  • author
    Kathy
    Mar 25, 2021
    VERY DISAPPOINTED OVER 30 PERCENT INCREASE

    I guess it took a terrible review to get healthy paws to respond. Like I said they don’t care if you cancel. I’ll put my premiums away in case I need them This is a copy of an email I wrote in response to my notice of my policies increasing more than 30 percent which I got no response back . They just don’t care. I insured two akc puppies and instead of waiting for the younger puppy who is 6 months old anniversary date her premium was raised too and they made both dogs anniversary date the same. When speaking to customer service the only suggestion offered was lowering the percentage split so my premium was lower. See below for the rate new rate that was offered for renewal. This is my response: I am very disappointed in the 30 percent plus increase in premium for my puppies who are 6 months and one year old. I followed all the rules, waiting periods etc, everything you require . I don’t know what kind of clients your company is Insuring to charge this much of an increase but it is not fair to parents who have brand new puppies with no health problems and no claims . I feel that I have wasted my money and will be cancelling my account. I expected a rate increase but not over 30 percent, and did not expect it to include a six month old puppy. When I called customer service I was told your company was paying out more than you were getting for premiums. Sounds like your company needs to rethink something. Your going to lose all the revenue from the clients who have no claims for several years because they have young dogs for ones who have a multitude of issues. If this increase continues my premiums could be more than double by the time they are 4 years old. I hope you pass this on to the administration that makes these decisions, because I’m sure I’m not the only one who is going to cancel. I did not make this decision lightly and did my research before doing so. VERY VERY DISAPPOINTED..... Kathleen Starks Sent from my iPad On Mar 15, 2021, at 2:02 PM, Jennifer at Healthy Paws Customer Care wrote:  Healthy Paws Pet Insurance Policy Anniversary Hi Kathleen, Thank you for being part of the Healthy Paws family. We look forward to helping you care for Star and Jewel in the years ahead! Your Healthy Paws policy provides ongoing access to the best veterinary treatments available, reimbursements based on the actual vet bill, and unlimited lifetime benefits. To continue to offer these great benefits, your monthly premium will increase for the policy period beginning in 60 days as shown below. Your rates never increase for filing a claim. ************************************ Policy Information*************** • Protected Since: 05/14/2020 ********* • Current Monthly Premium: $53.28********* • New Monthly Premium Starting in 60 Days: $69.92 **** In addition, the wording on your policy will change. The changes are described in the document entitled "Claims Process Endorsement Communication," which you can find in the link below.

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  • author
    David C
    Mar 22, 2021
    Quick and Easy

    Extremely easy and fast submitting claims especially when using their app. Sometimes the claim is completed within the same day and direct deposited into my bank account on file. Rarely need to have any correspondence with anyone.

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  • author
    Beth Hubbard
    Mar 21, 2021
    I used Healthy Paws for surgery on my…

    I used Healthy Paws for surgery on my dog. The process was fast and easy. The customer care agents were very knowledgeable and caring. They paid my claim directly to Healthy Paws. They contacted me several times to see how my dog was healing. I will definitely continue to pay my premiums to Healthy Paws.

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  • author
    Arlene C
    Mar 21, 2021
    Efficient and Compassionate

    Our dear pup suffered a root canal recently, and we were very impressed with the ease of submitting and the rapid response to our claim. From emailing the claim receipts to receiving a check took less than one week! We also much appreciated the concern the Healthy Paws staff showed in their follow-up contact to see how Bisou was doing. Compassionate and efficient service!

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  • author
    Amanda Gonzalez
    Mar 21, 2021
    We thought Healthy Paws was a great…

    We thought Healthy Paws was a great insurance because our claims get approved quickly and AT FIRST it was very affordable but going on our 3rd year now they have increased our premium $100 the second year and now $60 this third year. We started paying $58 a month and now we will need to pay $200. In the middle of a pandemic, how do they expect people to afford this? I assume it’s because of the amount of claims we have filed for our dog yet their policy CLEARLY states they don’t raise premiums for filing claims. I am enraged that I have to pay more in premiums for my dog than I do for myself and that this company thinks it’s okay to triple your premium in 2 years.

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  • author
    Rachel Miller
    Mar 21, 2021
    Highly Recommend Healthy Paws!

    I highly recommend Healthy Paws. I pay roughly $44/month for a plan that includes a $250 annual deductible and 90% coverage after that for emergencies and illnesses, excluding the office visit fee. It was the most reasonable monthly premium I could find. Their website is very easy to use. Simply drag and drop the invoice, and claims are usually processed within 1 business day, with a breakdown of what was and wasn't covered. When my pup severely cut her leg, knowing I had this financial support allowed me to focus on quickly getting her the late-at-night emergency care she needed. Staff are very responsive and empathetic, and even followed up to see how my pup was recovering.

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  • author
    Danijela
    Mar 19, 2021
    Healthy Paws is the best protection for your pet

    Healthy Paws has been such a blessing. I loved having a piece of mind that if anything was to happen I would have help. Recently my puppy had to have a major surgery and while dealing with fear of having her go through that I was lucky to have a piece of mind that I will have a financial help I need to pay for her medical needs. Filing a claim with Healthy Paws is the easiest thing in the world - scan the receipt, send it in and within few days you get the email with the reimbursement information and if you have a direct deposit you get the money right away. They are so sweet too, they emailed me few times during the next month to check on my puppy to make sure she was doing ok. I would highly recommend Healthy Paws. Please consider getting this protection for your best friend, trust me in that moment when you have so much to deal with last thing you want to worry about is if you will be able to afford medical care for your pet.

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  • author
    Natalie
    Mar 18, 2021
    My Corgi gives Healthy Paws 5-stars

    I signed up for Healthy Paws the day I brought my Corgi puppy home - 9 years later I count my blessings I signed up for pet insurance. Healthy Paws has saved me thousands of dollars - from ACL tears, to a burst disc, upset tummies and eye scratches. While the monthly cost can sometimes be a burden, knowing I don't have to make a decision on his health based on finances makes it worth it. After submitting the claim, they always reimburse me very quickly!

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  • author
    Katherine Carpenter
    Mar 17, 2021
    I cannot say enough positive things…

    I cannot say enough positive things about Healthy Paws. Two of my dogs have been taken to emergency vets over the years for health issues and the quick way that the reimbursements are paid, and the ease in which to send in claims etc. is impressive. I was able to comfortably make decisions in which I would have to have thousands of dollars knowing that I have trusted this company over the years.

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  • author
    Glennda Hou
    Mar 17, 2021
    So helpful!

    We insured our dog when she was still a puppy as a precaution but didn't need to file any claims until later in her adult life. Healthy Paws was a huge help for us when the vet bills started pouring in, and they are always so fast at completing claims. I especially love how easy their claims submission process is, both on their website and through their app. We are so grateful for their care and compassion towards our dog and would recommend them to any pet parent looking to get pet insurance.

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  • author
    Gabriela Garrett
    Mar 16, 2021
    Thank you HealthyPaws!

    As a disabled veteran with a service dog and part of a WorkingDogsForVets service dog organization, I’ve seen other service dog owners dealing with unexpected veterinary bills for their best friend. I decided to go ahead and get her Insured for less than he cost of a cellular plan. And I’m glad I did! One day she started walking funny. Worried and afraid, I took her into the veterinarian. X-rays revealed she had torn her cruciate ligament and dislocated her knee. Her best option was to have a TPLO (Tibial Plateau Leveling Osteotomy) and a luxating platella repair. Not only are they amazing and kind on the phone, but within 10 days I had been reimbursed! Make sure you have your dogs health records, including doctors notes submitted before you actually need them.

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  • author
    Laura M.
    Mar 16, 2021
    My Bengal cat was suddenly in pain and needed expensive surgeries. Healthy Paws was a great help!

    My Bengal cat was suddenly in pain and had a difficult time walking. After an examination with a local vet it was recommended he see an orthopedic surgeon. Unfortunately due to the current pandemic my cat had to wait a month before he could see a surgeon. It was determined he needed MPL & FHO surgeries on his left side. These surgeries were not affordable and the vet & surgery bills exceeded over $6K. Had I not had a policy with Healthy Paws I would be responsible for all this debt. Submitting the invoices and medical records through the site was easy and Healthy Paws quickly sent me the funds without any issues which really helped ease the stress of caring for my kitty after his surgeries. I highly recommend any pet parent get a policy with Healthy Paws Insurance. You never know when your fur babies will need help.

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  • author
    Mark Menery
    Mar 16, 2021
    They saved Clementines life, thank you

    I cannot say enough about this company and how it's more than just a pet insurance company. I can't think of another vendor I've ever worked with in any industry that has been easier and better to work with than Healthy Paws. I first started working with them about 7 years ago for my bulldog Clementine. She has had many health issues and surgeries throughout the years. Claims are easy to fill and they are extremely fast too reimburse. Most recently we had an emergency situation with my bulldog came out of her normal boarding with trouble breathing. It got worse and worse throughout the day and I had to bring her to the ER. They immediately sedated her and gave me feedback that she needed emergency surgery and might not make it. In addition to that, they told me she was the most critical animal at the hospital and if I hadn't brought her in within the hour she probably would not have made it. It was a lot of money to go through this emergency surgery and the hospital needed about $2,500 right away to keep her going through the night. I gladly paid it and had the confidence that Healthy Paws would cover and reimburse me the 90% I had signed up for. I called them the next day after receiving the full estimate which was about $13,000. Health Paws jumped on the phone with me and went through all of the details directly with the animal hospital. They took care of the entire situation so that I didn't have to worry about anything. The surgery was a success, and we got Clementine home after a few days. When I called Healthy Paws to make sure everything worked out, I realized that not only had the hospital been paid in full, but they had also reimbursed me the money I overpaid originally on that night. They saved my dogs life. I signed up my second dog (Dakota) the minute we got her. There aren't many companies out there that I "love". I can safely say that I absolutely love healthy paws, and my family and I thank them from the bottom of our hearts.

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  • author
    Amy
    Mar 15, 2021
    BUYER BEWARE: DO NOT BUY PET INSURANCE FROM HEALTHY PAWS!!

    I would give zero stars if I could. I have been a loyal customer with multiple pet policies for 8 years. When I signed up, my pets were very young. I did extensive research on pet insurance at the time. The primary reason I went with Healthy Paws Insurance was that I was assured premiums would not increase solely based on age and claims filed. This was a fraudulent and false claim. In the 8 years since I have had this insurance, my premiums have increased 177%. The premium increases were small when the pets were young, a bit more as they got older, and in the last 2 years alone, they have increased by 148%! Healthy Paws has nearly 200 complaints with the Better Business Bureau...many along this same line. As far as I can tell, Healthy Paws will gladly take your money (I have paid many thousands in premiums) up until the point that your pet starts to *really need* the insurance. They will then ruthlessly jack up your premiums to price you right out of your policies. Don't be fooled like I was! Purchasing pet insurance from Healthy Paws is one of the worst decisions I ever made! I truly hope there is a class-action lawsuit against this company. They should be run out of business for what they are doing to people!

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  • author
    Monica
    Mar 29, 2021
    Healthypaws is amazing!

    Healthypaws is amazing! The response time is very quick, the coverage is straightforward and it takes the financial worry out of making sure your pet has the best medical care. The app makes filing and submitting a claim SO easy and quick!

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  • author
    Jaclyn Reimann
    Mar 15, 2021
    I was skeptical about pet insurance, but no longer!

    I was skeptical about pet insurance, but I signed up when I adopted my dog, and now I'm so glad I did! My dog was recently diagnosed with Addison's disease after going into an Addisonian crisis. The crisis alone was terrifying, but thankfully it's a treatable condition with daily steroids and monthly injections, and thanks to Healthy Paws, I can afford to keep him healthy. It's easy to file a claim, and reimbursements are sent quickly. I highly recommend Healthy Paws. Sign up when you adopt your pet!

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  • author
    Brothers Toys
    Mar 13, 2021
    They raise rates at 30% a year!!!\

    They raise rates at 30% a year!!!! Stay Away from Healthy Paws. Unfortunately they put profits in our view before pets, it is true! Each year for the last three years our premiums have skyrocketed although we have little to no claims. In fact it went up 30% this year, this is for a six year old dog with no health conditions that has been insured by healthy paws since he was four months old!!! In fact the letter of renewal came and indicated as if it was a badge of honor that they will never raise your rates more than 30% a year. Really? 30% a year, that means to you that every three years you can expect your premium to double. This should be extortion and we recommend going to another provider that won't rip you off this way. We have gotten six other pet owners from the dogpark to purchase healthy paws but no more, in fact one of them started out at $32.00 a month and in one year the new premium is $38.00. This is with no claims on a dog that just turned two. Healthy paws used to be the best, little adjustments each year now they are telling policy holders they will never go up by more than 30% a year. Really? So in three years they can have the policy go up almost 100% so they can make more money. Other pet insurance is better, with regard to increasing the rate like this. When this was originally healthy paws foundation (before it sold about five years ago) this was never an issue. So if you are paying $35.00 (if that is what they quote you, be aware that in three years that $35.00 can be $100!!!). In six years you now could be paying $200 a month, for pet insurance, what? Who can increase premiums 30% a year with no claims what the heck? We are looking for new insurance, last year we went from $35.00 to $47.00 and this year from $51.00 to now $69.00 a month! Yet they tell us they can't go up more than 30% a year, they did when they raised my rates!!! It is insane, so be wary that they will likely stick it to you as well. My suggestion avoid at all costs, if you have them get another plan as if your have a health crisis in your dog, know that other pet plans probably won't cover your dog. So get your dog in another plan so you can also save your hard earned money!!!! Raise rates almost 60% in two years and during covid where many people have less money is just terrible and to me it shows they don't care about our pets but their profits first!!!

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