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Healthy Paws Review 2023
Reviews 1,839
HealthyPaws
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HealthyPaws
Excellent
Reviews 1,839
Michael Graw
Jan. 30, 2023
2 min read
Michael Graw
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

HealthyPaws at a glance

4.0
Editorial score

Online experience

Great site with learning resources
4.0

Customizable rates and services

Customizable plans and rates, upper age limit
4.0

Claims payout waiting period

Days
4.0

Customer support

Evening and weekend communication available through multiple channels
4.0

Bundles

Multiple bundles available
4.0

HealthyPaws HealthyPaws Visit Site

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 by
Michael 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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See what some costumers are saying about HealthyPaws
HealthyPaws
Excellent
Reviews 1,839
on
Excellent
85%
Great
1%
Poor
2%
Bad
12%
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melissa caldwell
a day ago
Top Notch Insurance for Pets
I have subscribed to Healthy Pet insurance since I got my dog at only 6 months old (he is now 9 years old). Very easy submitting invoices and receive payment in very little time. Excellent customer service and when I do have questions and call, I actually get a live person and not a recording. Would definitely recommend to family and friends.
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jason fleck
a day ago
Excellent service
I've been a Healthy Paws customer for years, and I've always found them to be fast and efficient when processing claims. They even follow up to see how your pet is doing. You don't want to have to use them, but you sure are glad to have them when you need them!
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sue melfi
a day ago
Claims reimbursement is always easy and…
Claims reimbursement is always easy and fast. A++++
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silvana moffitt
2 days ago
Healthy Paws Pet Insurance is…Excellent!
Healthy Paws Pet Insurance is excellent. After an unfortunate event, our dog, Pax had to have an extensive medical procedure and numerous labs/X-rays done, an overnight stay at the Animal Emergency hospital, and many other life-saving steps I never anticipated. I submitted all invoices/claims to Healthy Paws via an app on my phone, and Healthy Paws sent direct deposit reimbursements within two days. In addition, the Healthy Paws team emailed me to check on Pax. I never anticipated that. Thank you, Healthy Paws! Silvana
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anthony schifano
2 days ago
Had my pet insurance with this company…
Had my pet insurance with this company for 3 years. Somewhere they went sour. They do not keep your pet's medical records and when it's time for a claim they request all medical records. Stay away from this Company. Waited 40 minutes for a supervisor to pick up, supervisor however never picked up. They do not care enough for pet parents , shows you how they care about your pet. They have a great story when they answer the phone.
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dr s
3 days ago
So thankful - amazing
I've never had any issues. Keep in mind this is my first time getting insurance on any dog I've had in the past (so nothing to compare it to). I'm so thankful I enrolled our pitty Stella. She's about 5 now and has had a major scare and a few other hicups over the years. Last year she became quickly and seriously ill, stumping ER vets and was hospitalized. I was told along the way by one ER doctor that I should seriously consider not pursuing the hospitalization and treatment because of the poor prognosis....financial and emotional expenses. Without this coverage I dont know what we practically would have done. I made a stop home with Stella before taking her to be hospitalized... for our 3yo daughter in case it was the last time they'd see one another. We werent sure if days left or weeks. Without this coverage I'm unsure how things would have played out. After about 6 months of treatment (20-25K)...Stella defied all odds and is still doing her thing! Never had any issues with coverage. Fast processes and status updates. Great expereince across the board
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cory
4 days ago
Taking care of pets!
I got pet insurance knowing that I never wanted to make the choice between my dog's health and my finances. Healthy Paws has been so easy to submit claims, quick to send out reimbursements, and coverage was easy to understand. While my monthly premium has gone up (close to double over the almost 6 years of coverage), it has definitely been worth it! Just recently my dog needed TPLO surgery for a torn CCL, which cost nearly $6,000. We were reimbursed at 90% less than 1 week after submitting the claim, with no confusion as to what was covered and no effort beyond submitting the vet's invoice! Even with the monthly premium where it is, it would've taken 8 years to match the cost of that surgery, so it has definitely been worth it! I highly recommend them!
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leeleigh33
9 days ago
Healthy Paws is a great insurance…
Healthy Paws is a great insurance company. They're fast at reinbursing. They have really helped with our expenses. I would recommend them to anyone.
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melissa rogers
9 days ago
Healthy Paws was quick on getting my…
Healthy Paws was quick on getting my claim processed and paid when our Newfie puppy got a hold of our older dogs medication. They even sent a personalized email to check on her! I would recommend them to any pet owner!
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catherine
9 days ago
I always trust Healthy Paws!
Healthy Paws is a wonderful insurance company. My dog has needed 3 surgeries over the past 4 years and the one thing I never have to worry about is the support from Healthy Paws. Not only is their reimbursement process lighting fast, but they reach out after major health events in your animals life to check on them and YOU. Can't recommend this company enough.
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lindsay and brian w
10 days ago
Amazing coverage
We have had Healthy Paws insurance on both of our dogs since they were puppies and are very happy with them. Our 6 yr dog was recently and very unexpectedly diagnosed with Lymphoma cancer and told that w/out cancer treatments he might only be around another few months. Luckily, thanks to having Healthy Paws and their great cancer coverage we have been able to get him the treatments he needs. They have been extremely quick with the reimbursements also, which makes a big difference when you're already dealing with so much emotional and financial stress. I also appreciate how easy and quick it is to submit a claim.
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customer
9 days ago
Do Not Use This Company!
Terrible experience with Healthy Paws. They basically make it as inconvenient as possible to get a decision about a claim as you keep paying the premium. I submitted records multiple times via the app and ultimately had to sit on the phone and email records for each dog to the customer service representative. I then had to read the records to her because she kept trying to say she didn't see a date on the medical record that was clearly on the medical record. After much time and effort I finally got the claim submitted that I had submitted a couple months before but they continually claimed they needed records for. Then they denied the claim I submitted for an antibiotic claiming that it was part of a wellness visit and that all that was on the claim was a receipt for anal glands. So now I have to spend more time appealing the decision because of their incompetence. I was only submitting the documents to have on record for future because these claims did not even meet the deductible. If it's this difficult to get claims just applied to deductible and they aren't actually having to pay anything I can't imagine having to file something they have to actually pay for. I pay way too much monthly for it to be this time consuming and difficult just to file a claim. I can just save the money and have it available in case it's needed instead of having to deal with them. I would not recommend the company. I would recommend just saving the money that you would be paying this company monthly instead of paying them to create more headaches for you if you ever actually need their services. In response to the company reply: They can't find me in the system because I cancelled my account after leaving this review. I do not need to spend further time speaking to or emailing with customer service when this could have easily been handled over the past several months while the issues were ongoing and I expressed my frustrations directly to your representatives. This review was simply to let others know my experience. Hopefully they have a better experience than I did if they choose this company.
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kelly gunther
10 days ago
I want to say that healthy paws is the ABSOLUTE best!!!!
I want to say that healthy paws is the absolute best pet insurance around. I looked into many and they are the most reasonable and cover the most without out of pocket maximums. Thank you for making this available to all of us for patients when we need it most!!!!
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natalie
10 days ago
HealthyPaws has been great for my two dogs
HealthyPaws is great. You want to make sure you understand your plan - they are very up front about what is covered. But once you know the lay of the land, it’s easy to navigate and very fast. They are reliable. The most important thing is that it helps you feel confident in going to the vet if your pup is sick - you can get them the help they need when they need it.
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lucinda ryan
10 days ago
Wonderful Insurance for any pet parent
I have a 1yo Cavapoo. He is a happy and healthy little boy, but we had two incidents with his tummy last year that ended up expensive. At the time, I was moving and out of state, so it was nice to not worry about how much it would cost to help him, because I knew Healthy Paws had his back. It was super easy to file a claim and I had the reimbursement within a week of submitting. They even reached out to check on him shortly after. I was referred to Healthy Paws from a colleague and now I recommend Healthy Paws to any pet parent.
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customer
10 days ago
Terrible company
This is literally the WORST run business I have ever come across. I had to give our service dog back to Virginia Service Dogs and on August 8 I emailed and called to request transfer back. By NOVEMBER it was clear transfer did not happen and I was being charged 50 a month still. I called and emailed again and was assured the transfer would be "escalated." welp, folks here we are near February, and I am still being charged, no transfer and the service dog is still being insured by me, not her new owner. More calls and emails with promises of "escalation of transfer" today but I am not holding my breath. PLEASE save your sanity and do not do business with Healthy paws. Here is a claim number, true to form, the policy number is impossible to find:1019125-1-2
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suhyun k.
12 days ago
My baby girl was first diagnosed with…
My baby girl was first diagnosed with Laryngeal Paralysis, which is uncommon in cats. I was devastated, but decided to take her to a specialist. Without the help of healthy paws, I wouldn't have been financially confident. Because I knew healthypaws will help, I proceeded with multiple exam. Luckily, I found out that it wasn't Laryngeal Paralysis!!! She is doing great now with medication.
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gail hastain
15 days ago
Having Healthy Paws gives me a peace of…
Having Healthy Paws gives me a peace of mind when dealing with an already stressful situation (sick or injured pet). I would not be without this insurance for my 4 legged family member. I highly recommend Healthy Paws!
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matthew h
16 days ago
Great pet insurance
We have been a part of the healthy paws family for years. I can say they have always been there for us & more importantly they really care that we want the best possible medical care available for our pet.
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k nitti
17 days ago
Best Decision Ever
I would encourage anyone looking for pet insurance to research Healthy Paws. We insured our Bernese Mountain dog puppy after a friend suggested we do. They also had Healthy Paws and had a great experience with them. We literally had the insurance for less than 48 hours when our puppy collided with our other dog full speed and injured her shoulder. Healthy Paws was with us every step of the way and the claim process is so easy. Definitely the best decision we could have made was to choose Healthy Paws.
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julie nasr
17 days ago
No hassle reimbursements
Amazing company! Never had any issues sending claims and getting approvals and reimbursed. Fast, easy, and always reliable! My baby got injured and had back surgery and we got reimbursed within about 1 week. Much better than my own health coverage.
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jennifer huey
18 days ago
They are so fast to approve my claims…
They are so fast to approve my claims and my reimbursement is in my account within a few days. They have never denied one of my claims and has great customer service.
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natalie graves
18 days ago
Forever grateful to HealthyPaws
Will be forever grateful to HealthyPaws for their high level of service and kind consideration to pet owners! After doing extensive research into pet insurance company reviews and policies, we decided upon HealthyPaws insurance for my 5-year-old pit mix last year, and they are truly a lifesaver. My pit tore both ACLs in the span of two months and HealthyPaws was quick to respond to claims and was genuinely concerned for his well-being, ensuring my pet received the best care possible in his time of need. The biggest benefit of this plan is that HealthyPaws has no maximum on reimbursements, and as every pet owner knows you cannot put a price on your pet's life, and it's truly wonderful to see that HealthyPaws agrees with that sentiment and truly values their customers. We will continue to be supporters of this company for years to come and are very impressed by the high quality of care and rapid action by HealthyPaws to get my pup back to full mobility and health!
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dari beeman
19 days ago
Reliable and easy company to work with.
Great customer service and easy web site to use. The claims process has fast turnaround and direct deposit makes it seamless to get reimbursement. We are very happy we signed our puppy up six years ago. We have recommended Healthy Paws to our family and friends.
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kelly jacobs
19 days ago
It says date of experience, but I’ve had several experiences, but this was the last experience with her have an eye surgery…My dog Millie has had problems ever…
My dog Millie has had problems ever since she was two months old. If I didn’t have Healthy Paws, it would be really expensive to be able to take care of her. I appreciate appreciate healthy Paul so much I recommend their insurance highly.
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monica
20 days ago
I recommend Healthy Paws to EVERY pet parent!
I cannot say enough good things about Healthy Paws! I recommend their pet insurance to EVERY person I know that has a fur baby. We are beyond thankful that their insurance was recommend to us when we adopted our puppy. A year after having her, she developed a life threatening neurological autoimmune disease. Her condition was so poor that she required a week long ICU stay at the emergency vet, a MRI, spinal tap and several visits with a neurologist. Having pet insurance allowed us to make the best medical decisions for our dog without feeling financially stressed/pressured/overwhelmed. She made a full recovery and is doing WONDERFUL! I rave about Healthy Paws because they make claim submission very simple, and the reimbursement process is very quick. Plus, when we submitted this initial claim, we got a personal email from their team wishing a speedy recovery for our dog! I am beyond impressed with them and they will have my business forever. Thank you for all that you do Healthy Paws!
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emmy
23 days ago
recommend Healthy Paws
I signed up for Healthy Paws when I first adopted my puppy, Birdie, a year and a half ago, and I have had a great experience so far. They are reliable, friendly, and quick to respond. When I get an invoice from the vet, I upload it to the site, and Healthy Paws responds very soon. Highly recommend.
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lisa c.
23 days ago
I couldn't be happier with Healthy Paws!
I couldn't be happier with Healthy Paws. The coverage and reimbursements they've provided have exceeded my expectations. Filing a claim is very easy and the customer service is outstanding. As a mom to a Frenchie, this is incredibly reassuring. I highly recommend using them!
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margaret d
24 days ago
Healthy Paws Saved My Dog's Life
Healthy Paws has been a life saver, literally. My girl was diagnosed with lymphoma last year with a prognosis of just a few months to live. I opted to try the CHOP protocol which brought her into remission. She was able to go about 4 months once treatments were finished before starting again and is now in remission a second time and doing very well. We are coming up on 1 year since since her diagnosis and the extra *quality* time with her has been priceless. Other than needing a treatment every couple of weeks to keep the cancer at bay, she is still acting her normal, happy, playful, and loving self. I have cried many tears of gratitude for her Healthy Paws coverage. I highly recommend this pet insurance.
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liam morris
24 days ago
Seamless claims and great peace of mind
Healthy Paws saved our cat. She was very sick and needed an extremely dangerous expensive surgery in order to save her life, as well as intensive care for about a week afterwards. With all of the worry going on, it was extremely comforting knowing we'd be reimbursed for most of the cost afterwards. We never had to deny any of the treatment on the basis of cost, and as a result our cat is still with us today. The process was simple -- we uploaded a PDF of the vet invoice and then a few days later had a deposit in our bank account. There was no back-and-forth, disputing of claims, etc. The only communication we received afterward was checking to see how our cat was doing, which was a nice gesture. Healthy Paws has been one of the more affordable options for us, and while it would be nice to have some extra things covered the current coverage is still incredible and painless to use.
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clement binnings
25 days ago
Grateful for excellent pet insurance
Boudreaux, 3 1/2 years old, is our 5th golden retriever over the past 40 years. We never purchased pet insurance before this one. The reason, our previous golden developed osteosarcoma at age 8 and required hospitalization and an amputation - very expensive and heartbreaking. He died 6 months later - way too young. We got Boudreaux as a pup and signed him up for Healthy Paws Pet Insurance. When he was about 4 months old, he developed a bowel obstruction from eating kelp during a trip to the beach. He required emergency surgery which saved his life. The Healthy Paws online claim process was efficient and clearly delineated. Just 3 weeks ago he became lethargic and developed a fever. Turns out, despite being on Simparica, he had anaplasmosis, a tick-borne disease that caused his platelet count to drop precipitously to life-threatening levels. Because we had insurance, we didn't hesitate to take him in, and good thing we did when we did. He was accurately diagnosed and responded promptly to treatment. Again - Healthy Paws came through. We received a check in the mail just 5 days after the claim was submitted online. Not only that, but we received an email inquiring about his health. We couldn't be more pleased. We highly recommend not only having pet insurance for your beloved pet, but using Healthy Paws. Without insurance, we might have waited too long to take our boy in.
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martha becker
25 days ago
Excellent company
We highly recommended HEATHY PAWS Pet Insurance. It is easy to sign-up and navigate their website...premiums are reasonable and competitive... submitting a claim is extremely user-friendly and reimbursements are handled efficiently and promptly.
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customer
a month ago
Healthy Paws is the Best!
I am so glad we got Healthy Paws pet insurance for our rescue puppy, Jack. Within the first year we had him, Jack required surgery on his elbow for bone chips, (6 mos), and then at 1 yr we found out he had stones and crystals blocking his urinary tract, requiring surgery and lots of tests to determine the cause. Each time Healthy Paws processed the claims without any problems, no drama, very fast. We made the right decision when we chose Healthy Paws.
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j h
a month ago
First time using the insurance and it…
First time using the insurance and it was a breeze ! Way better then I could have hoped for
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anne lynch
a month ago
Spectacular
Spectacular. I adopted a dog. Only had him a month. His coverage went into effect 2 weeks later. One month after his adoption he got life threatening bloat and had major surgery. HealthyPaws to the rescue. Coverage was quick to cover and so simple to file. His surgery was Christmas nite emergent. I was so happy I had gotten the insurance. I already had it on my other pup. 2600 dollars saved and my dog is doing great. Thank you Healthy Paws.
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dr. jessica mack
a month ago
Look No Further Than Healthy Paws
Healthy Paws is affordable and reliable-and they provide professional services! Their site is user friendly, it is easy to submit a claim, and to check a status of a claim. When our sweet dog had emergency abdominal surgery, we felt assured knowing that most of the cost of the surgery would be reimbursed. More importantly, the team from Healthy Paws sent a separate email to us, inquiring about Pressley. They were genuinely concerned about her well being! Look no further than Healthy Paws for pet insurance!
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dave h lam
a month ago
Usual pet insurance annoyances, but perhaps the best of them...
After having Healthy paws for 5 years without much of a need for them, my dog began having spinal issues and IVDD surgery twice which I was billed $9k each time! The first time expensing it to Healthy Paws was a little bit of an effort since they do need the official full historical report from your vet before paying anything out. However, the second time was seamless--I had made 5 easy claims up to the point of the surgery and they quickly paid me out each time, all they need is the official invoices. Something important things to be mindful of that may result in disappointment--but I think these are the case with any pet insurance: 1. As far as I know--they do NOT COVER PRE-EXISTING CONDITIONS or VISITATION FEES. The first is a bummer, the latter can rack up without realizing it. 2. Once you make a claim, you can't change your plan, so you're either locked in, or go somewhere else that won't cover any new pre-existing conditions that occurred while covered here. Outside of these, Healthy Paws really has great customer service on the phone every time I've called, and they've paid out quite quickly and efficiently on every claim.
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jess b.
a month ago
12 years of Healthy Paws insurance
I have had healthy paws insurance for my dog since he was a puppy, he is now almost 12. Before this year, I’ve really only used insurance one time for a minor issue. However, I never wanted to cancel my plan because you never know when something can happen. Unfortunately, this was the year that something did happen and my fur-baby needed to have lifesaving surgery to remove a 7lb tumor in his liver and a splenectomy. We didn’t have to think twice about the decision or worry about the costs. Healthypaws quickly and easily reimbursed us for the surgery and even checked in to make sure our pup was okay. They didn’t try to question a line item or get out of reimbursing, they honored our plan and made one huge part of this super stressful time as easy as possible. I highly recommend all pet owners have insurance and I absolutely recommend that insurance be Healthypaws.
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jason mazeski
a month ago
We love Healthy Paws- 10 year customer!
We've had healthy paws for 10 years now with my dog. He just had his second ACL surgery on his leg. Healthy Paws has never hesitated to cover our medical bills and even send emails to check on our dog after surgery. And this is on top of finding out he was having some heart issues that we had to figure out before surgery, everything was covered. Its such a relief to be able to give our dog whatever health care he needs because we know we can count on Healthy Paws
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c burdsal
a month ago
Healthy Paws Pet Insurance
Fast service and efficient handling of claims.
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angela burke
a month ago
I cannot recommend Healthy Paws enough
I cannot recommend Healthy Paws enough, they covered exactly what they said they would and the $$ came in less that 2 weeks. So worth the monthly payment! I was hesitant to buy insurance thinking it was a scam but 3 other friends use this plan and we all have had a great experience.
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judy haar
a month ago
Emergency back surgery
My dog had to have emergency back surgery. Within five days Healthy Paws had approved the claim. They are wonderful, courteous, and prompt. I recommend them to any people with dogs. Great coverage.
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takashi ito
a month ago
My dog was diagnosed for cancer is…
My dog was diagnosed for cancer is undergoing cancer chemotherapy. Was a big relief to be reimbursed for this expensive therapy with no fuss. I do not know if helped that my dog is being treated at a big reputable animal hospital but that is the only thing I can think of if someone else had more trouble getting reimbursed. Highly recommended. I am leaving this review at different sites in gratitude.
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rebecca
a month ago
Outstanding Provider
Healthy Paws has been a wonderful add-on for my beloved Redbone Coonhound. Filing claims is easy, communication regarding the status of the claim is timely and reimbursements are prompt and well-explained. I am extremely happy with my choice of pet insurance.
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roger meyer
a month ago
After breaking his upper canine tooth
After breaking his upper canine tooth, my 2 year old Aussiedoodle required a root canal and cap placement. My insurance app made the filing process easy, and the Company feedback was exemplary.
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jeremy
a month ago
Poor communication and handling of…
Poor communication and handling of insurance claims. The following message was sent 85 days after the initial claim was filed, and 5 days prior to expiration of initial claim (during a Thanksgiving week): Thank you for sending us your pet insurance Claim. To complete your Claim, we need your help by providing us with the following documentation: All of [pet's] medical records since joining your family (view an example medical record here). Your veterinary hospital will provide these documents to you and many are happy to send them on your behalf. A clear invoice for the claim you are submitting (view an example invoice here). The one we received was partially obscured. So that we may continue our review of the Claim, please provide us with the requested information. If we have your veterinary clinic’s information, we will send a request on your behalf. However, a follow up with your veterinary clinic on your part may be necessary to make sure that we are provided with the requested information. If [pet] was seen at any other clinics, please provide the name and contact details of these clinics and we are happy to request additional medical records on your behalf.
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bianca pereira
a month ago
pet health insurance
We had healthy paws insurance for many years and I highly recommend it. Submitting claims is very easy on the app and they are processed and reimbursed quickly. Their customer service and client relations are easy to be dealt with and issues are usually resolved promptly. My dog recently had major surgery and I am very happy with how they handled our claim and even emailed to check on our pet.
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elizabeth hyatt
a month ago
Their payments are always efficient and…
Their payments are always efficient and quick. They make filing a claim so easy and keep you updated on the progress of you claim. Have been so pleased with them-highly recommend.
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jennifer f
a month ago
Healthy paws has helped me tremendously.
My dog has been suck lately and it would have cost me thousands in vet bills. Thanks to healthy paws I have been reimbursed everytime one I hit my 250 for they year I have received 80 to 90 percent of every claim I have submitted. If there is an issue I call and the resolve it ASAP. My poor pup wouldn't be able to go in ever week if it wasn't for healthy paws and I might have lost him. He is on the mend but still has to see the vet til he is in a better position health wise. Thank you healthy paws for all you do.
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adam levin
a month ago
Healthy Paws is great
Healthy Paws quickly and painlessly has processed our claims using direct deposit. Very happy with the value and the level of service that they provide.
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mary valera
a month ago
Healthy Paws is the best pet insurance…
Healthy Paws is the best pet insurance as they have an easy app to submit a claim and they pay a claim within days of an incident. Healthy Paws makes your financial burden less when a pet medical emergency occurs so, that you can concentrate on nursing your pet back to good health. It is worth the peace of mind.
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ana zanor
a month ago
Emergency Surgery
Being faced with a life-threatening emergency of bloat for my dog Kane was a scary experience. I was so worried about my boy's chances, but the one thing I didn't worry about was the ability to pay for it. Healthy Paws Pet insurance gave me the piece of mind that I'd be reimbursed for his surgery and hospital stay. Worth every penny and he's a happy, healthy dog again.
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bridget o'lavin
a month ago
Healthy Paws made submitting and…
Healthy Paws made submitting and processing my pet's health claims very fast, easy, and positive. I was very relieved to have their coverage to offset my kitty's vet tests & treatments so that she could get the very best care to keep her as healthy and happy as possible!
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amyw
a month ago
Reliable and easy to work with
Our otherwise healthy kitty had a big medical emergency requiring expensive surgery. Healthy Paws made it easy to file the claims and we received reimbursement checks quickly and without issue. I'm so glad we had insurance!
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kristin hain
a month ago
EXTREME RATE INCREASES YEAR AFTER YEAR
I signed my 2 cats up for Healthy Paws pet insurance in 2013. At that time I was paying about $60 per month for both cats combined which was reasonable. The monthly rate has slowly increased each year since and in 2022 it shot up to $275 per month (both cats combined). I got a notice for our 2023 rate increase and it's now going up to $404 (both cats combined) which is absolutely REDICULOUS! Had I known when I signed up for this insurance that the monthly premiums would increase so much I would have looked elsewhere or just opened a bank account to save for pet expenses. VERY UNHAPPY WITH THE UNREASONABLE RATE HIKES!!!
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jacqueline bofinger
a month ago
Healthy Paws insurance was the best…
Healthy Paws insurance was the best decision I have made. My fur baby was diagnosed with cancer this past summer. I would not have been able to afford the very expensive treatments had it not been for Healthy Paws. They reimburse almost immediately. Thanks to them Tucker is doing well.
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julie mendez
a month ago
Very courteous customer service and…
Very courteous customer service and showed genuine concern for my pets' health. The claims were processed in a timely manner and received reimbursements quickly. I am delighted with HealthyPaws and will recommend them to anyone with pet children. I have the freedom to focus on caring for my pet babies and not be worried about finances. I will definitely be a customer for life.
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jennifer girard
a month ago
Healthy Paws Insurance is easy and saves us time and money
We've been using Healthy Paws for a couple years and have had nothing but a positive experience each time we had to file a claim. Most recently, we had a large claim and it was still a very quick and seamless process. Generally, it takes less than 30 seconds to file a claim, as I only have to upload a document or two at most, and then typically it's approved within 2-4 days, and deposited in my account within another day. They have saved us a ton of money, time and stress with our very active pup.
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lynne
a month ago
Emergency hospitalization and surgery for a collapsed lung
Emergency hospitalization and surgery on a young otherwise healthy dog. Expensive, very and not an expected cost. Thank goodness we have Healthy Paws to help. They told us what we needed to send, filing was easy, they let you know how the claim is progressing and you get a check or direct deposit in a reasonable time frame. Highly recommended!
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maureen ward
a month ago
I have had Healthy Paws for four plus…
I have had Healthy Paws for four plus years and they have never disappointed me! My 4 year old dog recently required TPLO surgery and they provided direct pay to the surgeon, without this financial support and option, this surgery would not have been possible! They changed my dogs quality of life.
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jake bachman
2 months ago
This place is an absolute scam
This place is an absolute scam. I've been using their services for over 2 years, watching my monthly payment climb with my pet's age. I went to make my first claim this year after my pet had a minor foot accident which required a vet visit and some medication (all covered by my policy). They said I needed to upload my pet's complete medical history. Unfortunately, the old vet office never got back to us with my pet's records. Both myself and Healthy Paws tried numerous times to call, fax, email. Not a word from the old vet. Healthy Paws said they cannot reimburse or open my claim without the complete medical history. Only 2 years of missing history but they claim it it REQUIRED. Absolute terrible customer service. I've been paying into my plan for 2 years, thousands of dollars for a $100 claim to be denied over a non-respondent 3rd party. I canceled my policy today and will take it to another company.
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doug ney
2 months ago
Incredible service from Healthy Paws
Our experience with Healthy Paws has been nothing but incredible. The customer service representatives are prompt, helpful, and courteous. After submitting a claim, they always write to check in on our dogs and see how they're doing. They are incredibly easy to work with and reimburse at a high rate, but also incredibly quickly. We have been nothing but impressed with the service from Health Paws and recommend them to anyone.
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lisa saph
2 months ago
Our Goldendoodle has been receiving…
Our Goldendoodle has been receiving chemo treatments for 5 months for lymphoma and is doing wonderful! I hate to think where we'd be if I didn't have Healthy Paws insurance. The claims process is extremely easy and FAST!
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dianne miller
2 months ago
Great, efficient, affordable coverage
When I adopted my rescue pup, I wanted to get insurance since he's little and could very easily be hurt by a large dog, car, etc. I hadn't had any major issues with him in the first couple years, but then he decided to eat a large amount of plastic a couple of weeks ago, which required surgery to extract. HealthyPaws quickly approved and reimbursed my claims within just a few days of me submitting invoices and medical records! It was a very easy process, and the cost of coverage is reasonable, especially compared to some other plans I looked into. I have recommended HealthyPaws to several friends! (And my baby is doing very well; I doubt he learned any lessons from this, but I sure have!)
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dianna hatcher kelley
2 months ago
I have had Healthy Paws insurance for a number of years
I have had Healthy Paws insurance for a number of years and they continue to out perform any of the other pet insurances I have had in the past. They answer your claims very fast and are very precise and clear on their coverages that they provide. You know exactly what to expect. No surprises I like that! Recently they came through for me again when I took my older dog to the Vet. For a suspected illness. I was able to go ahead with the suggested testing without stressing out how I could pay. I really like feeling like I can concentrate on my Dogs care versus the cost.
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lisa francis
2 months ago
My 6 year old Cavalier has had multiple…
My 6 year old Cavalier has had multiple health issues. Without Healthy Paws insurance, it would have been hard to afford the procedures/medications/treatments that were required for him to survive and be healthy again. Claims are easy to submit online and reimbursements for claims are deposited into my bank account within days. I’m extremely pleased with the insurance and customer service.
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tracy evans
2 months ago
Highly recommend
I have had healthy paws for 3 years now going on 4. They have always been extremely fast with my reimbursement. They don’t ask a million questions also. I would highly recommend them.
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robert qian
2 months ago
Definitely the easiest pet insurance…
Definitely the easiest pet insurance company I've worked with. Claims get processed super quickly and with minimal fuss. Easy to understand premiums and limitations.
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lexi
2 months ago
We love healthy paws
We’ve had healthy paws for 7.5 years and have always been so impressed with the service. Both of our dogs have been covered since we got them and I don’t know what we’d do without this insurance. Recently our dog had a life saving emergency surgery that cost >$10k. We didn’t even bat an eye when they told us the cost because we knew Healthy Paws would be there for us.
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ellen
2 months ago
Healthy Paws Pet Insurance saved my Sheila
Healthy Paws is an awesome pet insurance company and I would never use any other one. It is so easy to submit your claim and reimbursement is usually very quick. My dog had serious surgery due to her Cushing’s disease causing a malignant tumor on one of her adrenal glands. She needed to have that adrenal gland removed which was a risky surgery. Thankfully I had Healthy Paws Insurance to help me through it! You won’t be sorry with Healthy Paws Insurance.
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megan c
2 months ago
Great Coverage - Great Customer Service - Quick and Clear Communication
Once I decided I was getting a French bulldog I knew I would need pet insurance knowing the breed. When asking around to those who had pet insurance majority ruled with Healthy Paws. When my puppy had a freak accident at three months old and broke his leg I was so thankful to have pet insurance. He also recently ruptured a disc and I didn’t have to worry about the cost because I had Healthy Paws. Filing each claim was easy and checking the status was clear through email and even easier when you have the app. The customer service is awesome and responsive and even checked in to see how everything was going with recovery. They were very clear in all claims what they covered and did not based on my plan and provided breakdown of everything. You really never know what could happen and I’m thankful to have healthy paws!
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nancy brome
2 months ago
Healthy Paws - To the Rescue
So pleased with this insurance. I never hoped to have to use it but that was short lived. Ranger's middle name is Danger. Healthy Paws was there when we needed them - no questions asked. The claims are adjudicated very quickly. Thank you Healthy Paws for your service. Can you believe that I'm praising an insurance company! I recommend them.
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hanna l
2 months ago
Healthy Paws has saved not only my life…
Healthy Paws has saved not only my life , but also my dog Cocoa's! Having insurance that covers the majority of her emergencies has lifted the anxiety from my plate. She has to have bilateral TPLO surgery and thank goodness that It's covered by insurance.
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colin entrekin
2 months ago
This is an excellent company
This is an excellent company! They paid my pet’s hospital expenses a couple of times now, and made the whole process easy and quick both times. I highly recommend them.
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atakos
2 months ago
Grateful for Healthy Paws
Our goldendoodle is fun loving, curious and always into things. He recently ate a bunch of advil out of a backpack and was in the ER for 3 days. Healthy Paws was very supportive and delivered on their commitments. We are very grateful for Healthy Paws because keeping our dog safe is really hard (despite our best efforts).
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deanna bien
2 months ago
Fast claims response and great coverage
Fast claims response and great coverage. Our dog was bitten severely and required emergency care. Healthy Paws was there to help cover the high costs.
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william chappell
2 months ago
Very Happy
We have been with Healthy Paws for around ten years. If you sign up, read your policy and make sure it will fit your needs. It's insurance, there will be rate increases. Remember there is an annual deduction. Having said that, HP has been wonderful for us. They have reimbursed us literally thousands of dollars, exactly as the policy we signed up for is written (TPLO surgery both back legs, mast cell removal, UTIs, and more). Claim submittal could not be easier... go to your online account, upload a pdf of your bill. That's it. We've been paid (per the policy) every time within 10 days. Thanks for being there HP!
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samantha green
2 months ago
So grateful for Healthy Paws
We've been using Healthy Paws since our dog Randle turned 7, he's now 11. We rarely needed to claim with them as he was a healthy dog. In the last year he started to need various treatments for arthritis, then 3 weeks ago he ended up in the local specialist hospital and was diagnosed with cancer. Without the support of Healthy Paws we couldn't have afforded the care he needs and that will hopefully see him on the mend soon. They have covered his medication, his access to more alternative treatments like laser and his hospital stay. Claims are paid quickly and customer service are always swift to respond. Can't recommend them enough
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carly nelson
2 months ago
Great Experience So Far
When I noticed blood in my dog's urine a couple months ago, I assumed it was a UTI. We've since learned it's bladder cancer, and we initially expected the worst. Fortunately, he is in the very rare portion of dogs with bladder cancer whose primary tumor was in an operable location. It has been such a blessing to be able to capitalize on his relative luck with high-quality veterinary treatment and have the potential to keep him with us for years instead of the months we were initially told to expect! We're very grateful to have him insured with Healthy Paws. The reimbursement process has been so easy (and quick!), and it has been a huge relief to be able to direct my focus and worry to his health rather than the treatment expenses.
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sharon chavez
2 months ago
Gertie-TPLO at only 3 yrs old
Our three year old, Gertie, a beautiful half lab/half golden, recently, and unfortunately, tore her CCL. She was holding her back right leg up most of the time and in pain when on all fours. After X-Rays and a consultation with an animal hospital, the TPLO procedure was recommended. She did well with the surgery and is in her recovery phase which will take 12 weeks plus. Although we worried about her mobility and the thought of our fur baby having surgery, our minds were eased by the efficient and quick processing of her claim forms through Healthy Paws. It took the financial burden off of our worries so we can focus on her healing and recovery. So happy that we have purchased pet insurance through Healthy Paws to help us through. And they even emailed to see how she is doing! Love our Healthy Paws friends and appreciate their quick response. Thank you so much!
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brooke g
2 months ago
Don’t buy insurance, pay out of pocket
We paid their steep monthly premiums for years and when our German Shepard needed treatment for an ear infection, they refused to reimburse us. *update: they claim I never sent them the necessary records to process our claim. I sent them the records we have for our dog and explained that we adopted her and there are no records beyond that. They basically have a de facto policy of being able to deny all claims to adopted dogs, but will not actually say that, and they won’t make these policies clear until you’ve paid them lots of premiums over the years. Save your money- don’t buy pet insurance, just be prepared to pay out of pocket.
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lkp sidokangen
2 months ago
one day i should go to istanbul
one day i should go to istanbul, turkiye, for doing some business. But, problems coming on the next. So, i should living in istanbul 2 months for solve the problem in our business. We have 3 pets at home, and i think this is accident because we are never estimate there are problem in istanbul. at the end, our pets sick and death. after comeback from istanbul,Turkiye, we make report To Healthy Paws Pet Insurance & Foundation Office. We are descibe how our pets, sick and death because our business problem happened. So, from that office, after 3 days, give some good news, give us 3 pets more sweety and clean, health, nice sweety. good job Healthy Paws Pet Insurance & Foundation
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nora abramov
2 months ago
Very grateful for Healthy Paws Insurance
Very grateful for Healthy Paws and their quick reimbursement process. It has always been so easy filing a claim on my phone, and always get reimbursed within a week. Highly recommend Healthy Paws to anyone with a pet.
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norma carter
2 months ago
This company gave us prompt reimbursement
This company has been very good at answering our claims and explaining everything on our policy. we have just had two cheques reimbursed by them this year 2022. their customer service is excellent.
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susan hilliard
2 months ago
Send it to all pet center please for my cat
I'm hoping to get donations for my Siamese cat that turning 14 he has a tumor in his stomach that might be cancer that they said 2500 to remove it to make my cat well I do not have 2500 please help me with the donations to go to all Pet Center in Grand Junction Colorado bottle fed him was 3 days old
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daniel mundstock
2 months ago
Reliable and easy to use
I've been using Healthy Paws for years with all my dogs and my experience has been great. Their claim submission portal is easy to use and doesn't require you itemize only the items you need reimbursement. They do it and you just have to review. I never had issues with coverage and I already had to use the insurance for expensive treatments like cancer.
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wkl
3 months ago
Healthy Paws pays off.
I have a delightful 11 year old Beagle. I purchased health insurance for her from Healthy Paws. It is somewhat expensive and premiums go up as she ages. Recently, her Vet discovered a mass on her spleen and recommended a splenectomy. That was done and thankfully the biopsy was negative. I have submitted at least a half dozen claims with Healthy Paws in conjunction with the splenectomy (lab work, ultrasound, surgery, post op labs, and medications). Each claim was handled promptly by Healthy Paws. Making a claim was as easy as uploading a photo of the Vet's itemized bill on the Healthy Paws website. All claims were processed in less than a week. Two of the claims were processed the day I submitted the claims. Healthy Paws even reached out to me by email to see how my pet was recovering after surgery. All claims were processed quickly and in accordance with my insurance policy with Healthy Paws. I insured my pet with Healthy Paws so that I would never have to make a medical decision on my beloved dog based on economics.
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jackie and jeff nauman
3 months ago
Able and Compassionate Allies in the Fight for our 'Ruckus'
We joined Healthy Paws in October 2019 and signed up our two Scotties. We now have 3 on the policy. Our 7 year old, Ruckus, was diagnosed with TCC in September, 2021 and given his young age we decided to fight. We were referred to a wonderful oncology team here in Richmond, VA (here's a shameless plug for THE ONCOLOGY SERVICE!). I'm pleased to report that 13 months later, our Ruckus is still in the game and continuing to fight. Our association with Healthy Paws Pet Insurance has been every bit as good as that of our oncology team. They have supported our efforts flawlessly. Our claims have been processed quickly, and needed funds have always been received on time and in the correct amounts. All they've asked of us is to submit proper, complete invoices and medical records as required. Their website interface has made that simple and efficient. Lastly, and maybe most importantly, their people truly seem to care about our fur babies. Follow-up messaging asking us how it's going with our treatments and 'give Ruckus a hug' sentiments provide a personal touch that we didn't expect from an "insurance company". We don't know what the future holds for our boy, but between our oncology team and Healthy Paws Pet Insurance, we've been able to give him 13 months of quality life he surely would not have had otherwise. Thank you, Healthy Paws!
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sharon b
3 months ago
Better than my personal health insurance
We have been a Healthy Paws member for six years and luckily have had only one major health issue with our adopted dog. He recently underwent surgery on his knee for a luxated patella. The claim process couldn’t have been easier. I was nicely surprised that the check arrived within a week of submitting the claim and all of the surgery expenses were covered including post rehab treatments, no questions asked. They even followed up after the surgery to check up on his progress. If only my health insurance company was so customer focused! Sent from my iPad
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john wojciechowski
3 months ago
So thankful we got Healthy Paws
We have had Healthy Paws policies for our two cats and a Great Dane for over six years now. It is very easy to submit claims, claims are paid quickly and deposited directly into our bank account. Highly recommend anyone looking for a pet policy to consider Healthy Paws.
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ro carcaci
3 months ago
I am so impressed with Healthy Paws
I am so impressed with Healthy Paws. I have NEVER had any issues when filing a claim. It is so simple, you take a pic of the invoice, upload it to your Healthy Paws app, and submit! Or you can do it through the computer or by fax. Healthy Paws is super quick. I submitted my claim for my dog's operation on a Monday, the reimbursement was in may bank account by Thursday. No lie. Their operators are helpful and they are quick to respond to emails. I have a different insurance for mu older dog, and I wish I knew about Healthy Paws when we first got him. His insurance does not compare to Healthy Paws!
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conniee
3 months ago
What amazing customer service
What amazing customer service! My dog Sela had TPLO surgery last week, and is now on the long road to recovery. She is a young and very lively dog so we are keeping her nice and quiet while she is in rehabilitation for her leg. This was a sudden accident, and so we had to move quickly to line up surgery and now rehabilitation. With everything happening so fast, Healthy Paws was fantastic. It’s so easy to file a claim online, the turnaround time for the reimbursement is really fast, and the coverage extensive. I even received an email from them asking how Sela is doing. I wish my human insurance company was as efficient and pleasant to work with! I am super impressed with Healthy Paws and am highly recommending them to everyone. Thank you Healthy Paws -- from Sela and I!
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nalini a
3 months ago
Healthy Paws for the Win!
We have had Healthy Paws insurance for several years to cover the health needs of our dog, Ollie. Although he was pretty healthy for the first five years, he has developed an eye condition that requires regular treatment. Throughout this process, we have found the Healthy Paws website and claims submission process extremely efficient, transparent, and user-friendly. They respond very quickly to claims submissions, and send reimbursements in a very timely manner. Importantly, they have never haggled over coverage and every single time have reimbursed us for all allowable costs under the policy. We are incredibly grateful for Healthy Paws, which has helped us to care for Ollie in the best way possible.
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mulva
3 months ago
Worthwhile Investment
I looked at several providers and Healthy Paws offered the support I needed for my 2 dogs at a price I can afford. Submitting claims has been easy, I receive fast responses from the claims team and expected reimbursement in a timely manner without having to jump through hoops. It is such a relief to work with a provider that honors their commitments. I have and will continue to recommend them to other pet parents.
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yumei gao
3 months ago
Great!
One of my cat broke his leg, and we brought him to do the fracture surgery, and we got like probably 80% reimbursement back later 2 and half weeks I believed, Absolutely awesome company, great service, and best value.
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cn
3 months ago
The initial claim has been a nightmare
The initial claim has been an absolutely miserable experience. They continue to mark the claim as "action needed". The vet's office says "we sent them" and they bcc'ed me on the email. Call into HealthyPaws and they say "ah darn, don't use records@healthypaws, use claims instead (ignore what it says on our website). Then they say oh we got them, they just weren't attached to the claim. They later send out the exact same template "action needed, we need your pets complete medical record", which is exactly what was sent before. Call them back. Ah..shucks the records weren't attached to the claim so sorry. Just a BS run around doing nothing nothing but shifting status back to action "required from you" and sending out the same template which tells me absolutely nothing about what they think is missing but isn't. We're now on the 3rd cycle of this nonsense. Stay away from this company at all costs, they very clearly want to play as many games as possible to see if you'll just go away before they pay out. Complete garbage.
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deborah gelwan
3 months ago
I have this insurance for 6 years
I have this insurance for 6 years. Now that my pet is 12, he has cancer and for the first time I need to use it, I could not be more disappointed! Every time I submit a claim, I attached the medical records. And EVERY single week I receive a message saying that the medical records are missing. I have to call, they say they can see it, that they will merge the information and NOTHING. For the past 4 weeks that has been my life. Call and wait for help. I don't know what else to do. I’m updating my review because of the response below. Healthy Pet Paws is making it look like they need medical records and I didn’t submit it. So let me be MORE clear. Every single time I send an invoice (October 5, November 3rd and November 8) I attached full medical records. And every single time I received the same message: we are missing information. Then I call, the person tells me she can see that indeed I attached the medical records. And that now everything is okay. For 4 weeks I’ve been attaching everything and still receiving messages and having to call. Yesterday was the 4th time and someone said there was a mistake in the system (they said it for the 3 time) and it was now fixed. So I already told one on my friends yesterday looking for insurance to not enroll with you. And one day I will have another pet and I won’t use your services. I’m a business owner. The LEAST you could is apologize for your mistake. We must own up to them. I know I will receive my reimbursements because it’s all under my policy. But it makes not sense to Submit information and still keep receiving messages that the document is missing and have to call so your team Can see it’s all there!
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jennifer chen
3 months ago
Having pet insurance was the best…
Having pet insurance was the best decision we've ever made as pet parents. We've unfortunately had to leverage our Healthy Paws pet insurance a few times for one of our dogs. Having the assurance that we do not have to let financial impact get in the way of having the best care for our dogs is invaluable. Not to mention Healthy Paws have always provided great customer service and our claims have always been processed in a timely manner. We cannot recommend pet insurance and specifically Healthy Paws enough. We’re very grateful for the coverage.
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steve lim
3 months ago
The best pet insurance
Easy to make claims and prompt support and processing. They stayed true to their word and honored all major claims unlike some other insurers that I’ve used in the past who used various excuses to duck out. Great company and I hope they stay that way!
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george hardy
3 months ago
Thumbs (& Paws) Up!
At first being skeptical of the idea of pet insurance, my mind was changed due the prompt responses to the claims I have filed with Healthy Paws! They hold true to policy coverage and are not inclined to rejects claims once the deductible and coverage conditions have been met. Absolutely no complaints, and I highly recommend their pet insurance products!