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Healthy Paws Review 2022

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Reviews 1,700

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Michael Graw
Michael Graw
Jul. 27, 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
HealthyPawsat 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 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
    Stephanie Zoltek
    Sep 23, 2022
    Peace of mind

    Healthy Paws has been fantastic since day 1. My poor pup has had lots of issues his first 2 years and Healthy Paws has been there every step of the way to help with the unexpected events. Everyone I’ve spoken to has been kind and seems to genuinely care about my pet. What I love most is there are no maximum benefit payouts on my plan, so when the vet told me my dog needed a $4,200 surgery, I didn’t think twice about whether to get it or not. The second we got the bill (before Merlin was even out of surgery), I snapped a photo and submitted to Healthy Paws and our reimbursement check was on the way within a week. Knowing I will never have to make a hard decision about whether to get my dog the care he needs is truly priceless.

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  • author
    Marie Rich
    2 days ago
    Healthy Paws not the company they used to be

    In my opinion, Healthy Paws is not the company they once were. They used to be good. Since changing underwriters a few years back, they have raised fees enormously, delayed claims and asked for medical records that they already have had over and over. I believe that may be a tactic to delay payment and then close your claim if you have not supplied the info you already supplied them within 90 days. In my opinion, they also try to get older dogs off the policy by raising fees so high as the dog gets older and is more likely to need the care.There was a class action filed in Washington against them, complaints on file with the California Insurance Commissioner, issues in Florida and other states. You only have to look at Yelp and some other sites to see some of the issues that customers have brought up recently. They have really gone downhill in recent years.Myself and some other customers have stated online that they used to be good, but not anymore. The difference is night and day in comparison and that likely is a result of the change in underwriters.

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  • author
    Amy B.
    Sep 22, 2022
    Grateful and beyond impressed.

    I can't begin to express my gratitude to Healthy Paws. My beloved golden retriever, Booker, was diagnosed with cancer in February 2020 when he was only 3. His treatment was complicated and expensive. Healthy Paws never questioned any claim. They all just got paid and within a few days of submitting the claim. NEVER ANY HASSLE which is so important when you're dealing with something so sad and stressful with your pet. I got another golden, Gio, in the fall of 2020 and immediately signed him up too. I lost Booker in July 2022 but he lived more than 2 years longer than was his prognosis. I didn't have to make any decisions based on whether or not I could afford treatment. This was also so crucial. When I cancelled my policy for Booker, I received the most caring and personal email and later a card from the people at Healthy Paws. I could go on and on. I'm so grateful and experiences like this restore faith in businesses, especially insurance businesses.

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  • author
    Blanca Sobhan
    Sep 22, 2022
    Easiest claim process

    We have been with Healthy Paws insurance for over 4 years and we are very happy with our choice. For us this insurance continues to play a huge part in assuring that our dog has access to the best available medical care. Their app is very easy to use and seamless to submit a claim. Sometimes in less than 2 days we get the results from the claims and then in less than a week we would receive the reimbursement check. Highly recommended plan with the highest % of coverage if possible

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  • author
    Karen
    Sep 21, 2022
    Super service

    Fantastic customer service, prompt review of claims, easy communication, best decision we made for our 4-legged family member. Definitely recommend.

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  • author
    Sian Howell
    Sep 21, 2022
    A must for Pets!!!

    Such an easy process with Healthy Paws! This insurance is an absolute must for pet owners. It was so simple to submit our veterinarian reports and receipts and the money is then credited to your bank account within a few days. I cannot reiterate how grateful we are for this insurance!

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  • author
    Alan Delaney
    Sep 19, 2022
    Healthy Paws has exceed our expectation…

    Healthy Paws has exceed our expectation when it came to health insurance for our French bulldog. Our bulldog had a problem with his back and he needed to see a urologist and have an MRI. Healthy paws covered most of the expense and ensured the our pet got the best care possible. They also sent us an email checking to see how he was doing. They care and it shows.

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  • author
    Susan G.
    Sep 16, 2022
    Horrible Customer Service

    I was a customer for 10 years. Initially recommended this service to everyone. In the last few years they implemented new policies and increased rates significantly with little to no notification. My rates increase to around $100/month for two dogs to $275/month in last two years. I only kept this coverage because with aging pets I thought it may pay off. However, I had a credit card canceled due to fraud and I ended up two months behind on automatic payments. I did not receive any emails that I was over due, despite the company claiming they sent emails. I received a letter that my coverage would be cancelled 9/16 a few days prior to cancelation date. Per customer service this was "ample notification." I called on 9/16 in attempts to remit payment and continue coverage. I was told that the account was canceled at 12:01 am they would not be able to re-instate coverage. Now after 10 years I would have to re-apply and all of my pets pre-existing conditions would no longer be covered. Run from this company. If you are able save the money monthly to have a rainy day fund for your pet.

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  • author
    Marjorie weber
    Sep 16, 2022
    I was told because I live in New York

    I was told because I live in New York, they won't cover cat 4 years and over, how pathetic is that. I won't be recommending them to anyone

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  • author
    Sarah Pfeiff
    Sep 15, 2022
    Amazing Pet Insurance Coverage

    When we were going to pick up our dog from the rescue that saved him, we were told how important it would be to get insurance for him. I 100% agree with that statement. We decided to go with Healthy Paws, and we are so happy we did. Working with them on claims has been so painless. We have the piece of mind knowing that he will get the care he needs, and we don't have to stress about what will and won't be covered. It's amazing.

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  • author
    Andrea Herrmann
    Sep 15, 2022
    Healthy Paws is THE Best!

    We've had Healthy Paws nearly five years now and we could not be happier with the service and benefits. Filing claims is incredibly easy and they are processed very quickly. We recently had to bring our pup to the emergency vet twice in one weekend and because of Healthy Paws, we didn't hesitate to not only bring him in, but also to move forward with all of the testing the vet recommended. Having Healthy Paws insurance gives us that comfort that we can take care of our pup regardless of what happens.

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  • author
    A. Lemus
    Sep 15, 2022
    Healthy Paws has been fantastic

    Healthy Paws has been fantastic. I have been their customer for several years and they have never let me down. When I make a claim I get my reimbursements within a few days. They were recommended to me by a close friend, I have recommended them to all my friends, and now I am recommending them to you. They are wonderful caring people and they take care of us, their customers

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  • author
    Chelsea Wang
    Sep 14, 2022
    I would recommend healthy paws to furry…

    I would recommend healthy paws to furry baby parents who are looking for good insurance or thinking of getting one. I got my Bichon puppy from an AKC heart-rated breeder and expected him to be healthy. I did the internet search for pet insurance and chose healthy paws when he was 3-month. Now he is 2-year and is diagnosed with luxation patella. A surgery fix was suggested by the vet and the cost was around 3K. I can't tell you how frustrated I'm to hear this news. I did a lot of work to find a well-rated breeder and chose the almost most expensive one, but my baby still suffers from a health problem. I talked to the breeder and she said this puppy was the first sick one in her 30+ years of experience. I couldn't tell if she said the truth, but anyway, the accident could happen and I'm grateful that I enrolled my baby in the insurance when he was young so this accident was covered. going through surgery with your pet is super tough, it's even tougher than getting the surgery on yourself both physically and mentally as well as economically, and the insurance now plays an important role and makes sure you don't need to "give up" therapy due to budget. The reimbursement process of healthy paws is very fast, my first claim was processed using around 1 week, and my later claims were processed using 3 days. They also don't increase premiums a lot when your pet gets older compared to other insurance. If you're thinking of enrolling your pet, just do it as early as possible since the insurance doesn't cover pre-existing conditions. There's only 15 days waiting period which is short compared to other insurances.

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  • author
    Pieter Sween
    Sep 13, 2022
    Healthy Paws has treated me very well

    Healthy Paws has treated me very well since I signed up my dog Oakley when he was about 8 or 9 months old. Oakley had a torn anterior cruciate ligament requiring a TPLO surgery. Healthy Paws paid my surgery bill at 80% just as stated in our contract. I am very happy with my experience with Healthy Paws Pet Insurance.

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  • author
    Tina R.
    Sep 13, 2022
    This is in response to Healthy Paws Pet…

    This is in response to Healthy Paws Pet Insurance & Foundation. My statement/complaint against your company is accurate and I stand corrected by it. I have paid you alooot of money and you have denied pretty much most of claims which by the way are just a few, and yes I'm a policy holder of your insurance but I would never refer you to anyone, you are not a good company and all those good reviews are mostly from your partners which I find extremely biased. You asked me to put my dog's policy in a public forum, why would you do that? That is like asking you to put your SS for the public to see. No you are not a good company, unfortunately I'm stuck with you, only because my dog is an older dog.

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  • author
    Deborah Davidson
    Sep 10, 2022
    Recommend Healthy Paws Pet Insurance 100%

    Healthy Paws has been a perfect choice for our dog. Their response time is prompt, reimbursement thorough and robust and communication professional and warm. We had costly diagnostic tests for our young dog with sudden leg lameness and they have had our backs with support and appropriate payments. Recommend Healthy Paws 100%

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  • author
    Nick Vecchiarelli
    Sep 08, 2022
    Genuine concern & prompt payment on claims

    My husband & I are both retired, & the cost of surgery to repair our dog's 2 torn CCLs would likely have been prohibitive for us. Thanks to Healthy Paws, we are able to provide the best possible treatment & care for her. The company paid promptly on our claims, & even reached out with concern over how she was recovering. Healthy Paws is a truly wonderful company! We highly recommend it!

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  • author
    Allie
    Sep 08, 2022
    Hassle Free, Peace of Mind, High Quality!

    We have had Healthy Paws for years and submitting claims has always been incredibly straightforward, with hassle-free reimbursement. We did a lot of research to find the right insurance company to protect our fluffy dogs, and are really pleased with our choice. The random illness here or cracked tooth here was covered and the peace of mind was what we were mainly paying for until recently, when our dog had a double ACL tear. We would have really struggled to make the call for what surgery to get, what doctor to go to, etc. but it was so easy to say yes to our vet's recommendations and get him the proper care because we knew we were covered with Healthy Paws. They gave us no issues at all when we submitted the two claims (one for each leg), 10 days apart, and the payment was in my checking account within days. Not only that, but they followed up with us by email to check in on how he was healing. I have recommended Healthy Paws to 10+ family and friends now and cannot recommend them enough.

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  • author
    Lucas
    Sep 07, 2022
    HealthyPaws has been nothing short of…

    HealthyPaws has been nothing short of amazing for our dog Teddy. This was our first pet we had insured and it was mainly only done due to hip dysplasia worries. We enrolled him as soon as we got him in 2015. Teddy is an Akita/German Shepherd mix and past experiences with dogs that big have always had arthritis and hip issues down the road. So we enrolled him in 2015 on the 90% coverage, $100 annual deductible plan. It has been a literal lifesaver for him and our family and likely one of the best decisions I have ever made in my life. I tried Figo Pet Insurance with 2 of my other dogs and they have been nothing but headaches and drama dealing with 1 of my dogs who sadly passed due to osteosarcoma spreading to his spine. They take weeks and weeks to look at your claims and in his case it was usually almost always denied or with a problem. Sometimes they would cover bloodwork, sometimes they didn't. It was crazy, a nightmare to deal with and I highly recommend everyone avoid Figo at all costs. HealthyPaws has never had that sort of problem. They have covered little things like UTIs, monthly glucosamine shots and antibiotic meds. But they also have covered MAJOR life-threatening things without any issues for Teddy. Teddy had a mast cell tumor removed from his chest in fall of 2017 after adopting him. Every penny of that bill which was over $3,000 was covered with no issues at all. In fact, only ONE time in roughly 100 claims have I ever had a issue and all it took was a simple phone call for that to be resolved. The turnaround times are very reasonable and fast, never takes more than a week or two tops. In June 2022, Teddy started having severe neurological signs and a brain tumor was suspected. To make a very long story short, he ended up having to have stereotactic radiation and chemo. This is certainly not cheap, his bill was roughly $15,000. HealthyPaws paid EVERY single penny of it except the usual things they do not cover (exam fees etc). I was reimbursed for 90% of that entire bill. They even emailed me to check and see how he was doing. They just spent over 13k on Teddy and still care enough about him to see how he was doing. HealthyPaws is amazing and I won't even consider another pet insurance company moving forward. He gets his bloodwork checked almost every week now, monthly chemo meds and other meds. All of this is covered without issue and pet owners know how expensive weekly blood tests can be. HealthyPaws is AMAZING, I cannot stress this enough. I have already recruited a friend to enroll their new puppy with them and I hope this review can help others make the proper choice here also. Teddy is thus far doing as well and roughly 90% of his former self. Our family and Teddy owes this all to the wonderful care he got from the doctors but also HealthyPaws. I will never use another pet insurance provider, HealthyPaws care of Teddy has made me a fan for life.

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  • author
    Kimberly
    Sep 05, 2022
    I purchased coverage from Healthy Paws…

    I purchased coverage from Healthy Paws for my almost 10 year old dog over 4 years ago and I’m so grateful that I did. From the very first claim I’ve been pleasantly surprised by how easy the process has been. They’ve covered two CCL surgeries, many diagnostic tests and a recent hospital stay. They have never denied any of my claims. The caveat is that I think they no longer offer new policies to 5 year old dogs in my high cost of living state.

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  • author
    Shannon O'Neill
    Sep 02, 2022
    Good insurance for older pets

    When I first got my dog, we were with another insurance company and it was a hassle in terms of getting claims to them and even more so for reimbursement. We switched to Healthy Paws in 2013, and they have been really amazing. Great customer service reps and an easy to use app and website, can upload invoices from your phone and quick to reimburse. The no lifetime limit is also a big one for me, as my dog is older and I don't want to be stressing about vet bills if it means saving his life or making him more comfortable. He's recently had fairly major surgery for a dog his age and knowing that we reached our deductible and will be covered at 70% took much of the financial strain off my plate.

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  • author
    BAHADIR ONAY
    Sep 02, 2022
    Marco loves Healthy Paws Pet Insurance

    My puppy Marco is using Healthy Paws Pet Insurance. We are extremely happy with our choice. The enrollment process was so smooth. Just 5 minutes. No drama, no complications... After 8 months we made our first claim for Marco’s emergency care. Making a new claim couldn’t be easier, we just share the photo of the invoice and that’s it. Although it was our first claim, it took just 3 days to get an answer and complete the process. I can highly recommend Healthy Paws Pet Insurance.

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  • author
    M. W.
    Sep 01, 2022
    Healthy Paws has been wonderful

    Healthy Paws has been wonderful. Timely payment of claims and great explanation of coverage.

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  • author
    Krystoverson
    Aug 31, 2022
    Couldn’t be more satisfied!

    We’ve had Healthy Paws since we brought them home our 3 Bengals as kittens, and we’ve had 4 hefty claims in 5 years. Each time, the claims process was painless and we were not paid quickly. Over $10K saved so far! Best insurance company ever.

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  • author
    Eunice W.
    Aug 31, 2022
    Healthy Paws has been a lifesaver

    Healthy Paws has been a literal life-saver for us. Our dog was diagnosed with osteosarcoma last December and had to have a hind leg amputation. He then had complications after surgery requiring a lengthy hospital visit, and after recovering, has been on very expensive chemo medications. We chose the plan that covers 80% of eligible costs, and Healthy Paws has been quick and completely reliable in covering that amount. The claim submission process is super easy with the phone app (basically, take a picture of your hospital invoice, upload it, you're done) and then we receive email notifications that a claim is in process, and then a few days later another email explaining the benefits. Shortly after that, a check arrives in the mail. Since December, I've probably thought "Thank god we have Healthy Paws" hundreds of times. We had the policy for many years before using it, and I actually considered canceling it. I am so, so relieved we kept it. Illness strikes without warning, as it did for our boy. If it weren't for Healthy Paws, he probably wouldn't still be with us.

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  • author
    Kimberly Jin
    Aug 30, 2022
    My cat and I cannot be more grateful…

    My cat and I cannot be more grateful for HealthyPaws! This is a good reliable insurance company for pets and pets parents. Claim precede is always accurate and easy. Direct deposit with entire claim processing time is within days. I have been using HealthyPaws in the past 6 years and referred to 4 of my coworkers. I highly recommend it.

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  • author
    Linda R
    Aug 30, 2022
    Best pet insurance company

    I've been a Healthy Paws customer since 2014. I did a lot of research on Insurance carriers before deciding to go with Healthy Paws. They make claim filing easy and are responsive to questions. Claims are processed quickly and they can even direct deposit them if you want. I would highly recommend Healthy Paws Pet Insurance to anyone with a pet...accidents DO HAPPEN. We are highly satisfied with the service we get from Healthy Paws

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  • author
    Nora Hannigan
    Aug 29, 2022
    Thank you Healthy Paws!

    We had a recent acute illness for our young cat. It was a comfort to know we had signed up for Health Paws. They paid everything promptly and they even reached out with a personal contact to check in on our fur baby. I highly recommend them to anyone who is an "all in" pet parent.

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  • author
    Cindy Kober
    Aug 29, 2022
    Healthy Paws is an excellent company- highly recommend!

    I signed up for healthy paws insurance when my beagle puppy was 2 months old after paying hundreds of dollars out of pocket for an early case of giardia and a scare that he swallowed a metal zipper hook. 6 years later I cannot express how valuable this company and its employees and services are. At age 2 my dog ruptured a spinal disc and was paralyzed in his lower back and both legs, which apparently is more common than we knew in dogs wiry heavy/dense bodies and short legs (like corgis, dachshunds, and beagles). The MRI, spinal surgery, and hospital stay were estimated at about $15,000. Lucky for us we were able to go for it without hesitation since we knew Healthy Paws would cover 80% and we could figure out $3,000 to help our fur baby walk again. He had another scare at age 3, and we just had a 3rd surgery at age 6- in addition to weekly physical therapy the last 4 years for maintenance of his condition. Our beagle is happy and sweet as ever, and we wouldnt be able to do it without Healthy Paws pet insurance! We are forever grateful to the service they provide, and of course to the wonderful veterinarians and surgeons out there who care about our pup. The reimbursements come through so quickly- usually within 48 hours! And we are grateful for the financial help to maintain our dog’s ability to walk. Healthy Paws makes medical decision-making easy so you can focus on the health of your pet instead of the out of pocket expense. The peace of mind they provide is worth every penny. Not to mention their personal touch- their claims reps have reached out to personally check on Otis after each service! They truly care about their customers and our pets. Highly recommend!

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  • author
    Les Croland
    Aug 29, 2022
    Don’t insure your Pet With this company.

    I strongly recommend that those considering insuring a pet with this company go elsewhere. I had my pup insured with this company until he was 7 years old and they raised the premium so high that I went elsewhere for the same coverage at a much lower premium. I also had very few claims over the years I was insured by this company. Based on my experience, this company does not want to insure pets as they age. Please look elsewhere for better and less expensive insurance. The insurance company’s response to my review does not answer the following question, which I asked them back in 2021: why didn’t your competitors increase their premiums as much as you did? The answer is obvious. The insurance company values it’s investors more than it’s insureds. As I have said: stay away from this company, unless you want to invest in them.

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  • author
    Tina R.
    Aug 29, 2022
    Healthy Paws Pet Insurance is a scam

    Healthy Paws Pet Insurance is a scam. DO NOT TRUST THIS COMPANY. I have paid them for the last 8 years and I have only submitted a couple of claims just for them to reject them, my dog's condition was very clear in the paid invoice from my Vet, it was not a pre-condition, it was an unexpected sickness and yet they refused to pay it. They claim unlimited claims reimbursements, please don't buy it, look for another insurance. Some of their reviews come from their own website/partners, so that Number 1 claim that they are the best, its pure lies. Don't waste your money. It seems they pick who they reimburse, if you are a minority, don't sign with this company. I have paid them over 10,000 in insurance just for them to turn around and deny my dog's legitimate claims. I'm very disappointed.

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  • author
    Samantha
    Aug 26, 2022
    Highly Recommend Healthy Paws

    I had an excellent experience with Healthy Paws as a pet insurance. They covered every medical expense my dog had and were always quick to process a refund. The customer service was also very helpful every time I needed help or had a question. I was able to get 2 major surgeries and multiple ER visits covered and always had a smooth process in getting the paperwork submitted and approved. I would highly recommend Healthy Paws to any pet owner looking for reliable coverage.

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  • author
    Warren Sears
    Aug 26, 2022
    Has reimbursed us for all of our…

    Has reimbursed us for all of our surprise vet visits. Worth it many times over!

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  • author
    Loosey
    Aug 25, 2022
    Peace Of Mind

    My dog Loosey had a few small growths on her gums, we had them removed and tested and they ended up being completely benign and not an issue but having healthy paws gave us peace of mind that even if something was wrong we would have a financial cushion. They also helped cover the cost of the testing.

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  • author
    RickNNYC
    Aug 24, 2022
    TPLO surgery!

    My dog recently underwent TPLO surgery (Aug 2022), which as anyone who has gone through this, can be quite costly. I am thankful that Healthy Paws processed my claim exactly as stated in the policy, and without any stress. These situations with our fur-babies are stressful enough, as it is. My claim was processed efficiently, and I couldn’t be more pleased with Healthy Paws. I have recommended them for pet insurance throughout the years, as they are responsive, and hassle-free.

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  • author
    NevaSpend NoCheez
    Aug 22, 2022
    I do not recommend. Borderline scam.

    I owned a Healthy Paws policy for several years and rarely ever got a dime back from them. There are absolutely better choices out there. Their deductibles are ridiculous and they do not cover wellness at all. They also raise premiums regularly. I would not recommend Healthy Paws to anyone.

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  • author
    Colin
    Aug 21, 2022
    Healthy Paws’ pet insurance is a scam.

    Healthy Paws’ pet insurance is a complete scam. I paid $72/month for 5 YEARS and they denied every single claim I put in on some type of technicality. Literally I spent over $4,000 on premiums, and the first time I got a check, it was for a $101.90 bill, but I had a $100 deductible… so they mailed me a check for $1.90. Infuriating. Then when I eventually calmed down and tried to deposit it, apparently they void checks after 90 days, so my bank hit me with a $12 unpaid check fee. This company is the worst, premiums are a scam – just put your monthly $70 in a savings account for your pet and pay for stuff out of that.

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  • author
    Staci Miller
    Aug 19, 2022
    Can't say enough good things

    We were with another pet insurance company that took three months to pay out one claim and fought us on it at every opportunity, so I switched to HealthyPaws. LIFESAVERS. Have paid out multiple claims fast (some completed in a single business day), never fought us, stuck to the policy, and have really quick and pleasant customer service. I will probably never use another pet insurance company again. Also pretty reasonably priced, since I have six animals!

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  • author
    Raoul Watson
    Aug 17, 2022
    Never again

    Had this insurance for seven years. My last experience was a big disappointment that I cannot recommend this company. My beloved golden doodle became severely sick and was taken to an animal emergency room. Unfortunately they were not able to save her. After I sent in the bill nothing was covered. I would imagine the exam cost and lab work in the ER should be covered right? Nope. I’m too heart broken to make phone calls to fight for it. One the reviewer was spot on when he said that they would try to always deny your claims. Update: after this was posted, I did make a phone call to cancel my policy since my email to info at healthypaws was unanswered. The very nice lady from customer support did explain that the zero coverage was a result of a duplicate claim and that I should be receiving some reimbursement.

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  • author
    Elizabeth Young
    Aug 15, 2022
    Their customer service is great

    Their customer service is great! And i had no issues with a big claim. I was surprised by how easy it was to get reimbursed for the big surgery

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  • author
    Angela G
    Aug 15, 2022
    100% recommended!!

    I’ve had to submit several claims for our sweet puppy due to an illness and every claim was acted on quickly! I’ve told several people about healthy paws already but I’ll talk about it whenever given the chance! Worth the peace of mind even if your fur baby never has an issue (which I hope is the case) :)

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  • author
    customer
    Aug 15, 2022
    They really are the best paws down

    I have tried others in the past, but Healthy Paws really is the best. The big draw for them, aside from speedy claims, is that they don't raise rates as your pet gets older and they don't kick you off at a certain age. They're pretty responsive by email, also. No idea how they do it.

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  • author
    Gayle Hawks
    Aug 15, 2022
    The mode of this company is to deny…

    The mode of this company is to deny very claim. When I followed up on the last claim that say it was due to a wellness exam when clearly the invoice said VCA Emergency Animal Hospital. They are only a 911 center not a vet that would do wellness visits. After speaking with the rep he stated I need to send in the complete medical records for their review. They took this amount and applied towards my deductible. Now looking back at previous claims that were denied, I was so busy I missed it. I just emailed them as the last invoice was for a injury as well. These are types of companies that give insurance companies a bad name. The last pet insurance company I was with wonderful.

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  • author
    Keith Harris
    Aug 12, 2022
    Don’t do it

    Don’t do it! If you have a claim they will deny you over and over again. We took our Dog Starr to the Emergency Hospital after eating Grapes and getting sick. The invoice we sent was clearly from an Emergency Vet Hospital. Here is our experience: 1. Sent Claim and waited. 2. Emailed to find out about the claim and got no reply. 3. We Called to find out why it all of a sudden said “denied” online. The online system says “processed”. Then it says “Denied due to a wellness visit” Clearly the receipt says VCA EMERGENCY HOSPITAL. They are emergency only they do not offer any “Wellness”. 4. Now saying 15 to 30 days for a review of my claim. 5. Now they are asking us to contact the Emergency Vet to get all the backup documentation of the visit. The information is clearly stated on the receipt already. 6. We asked to talk to a claims rep and they said they do not offer that. Stay away and find a company that will pay your claim fairly or at minimum ask for more information before denying your claim.

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  • author
    Suzanne Benko
    Aug 12, 2022
    A Lifesaver!

    I couldn't be happier to have Healthy Paws Pet Insurance. My sweet little rescue pup has multiple allergies resulting in hair loss. Being able to get him the proper care to address his issues and give him the best possible quality of life without having to worry about the expense is incredibly helpful. Healthy Paws has been so quick to process claims, literally payment shows up in my account within a day or two. I'm very impressed with their service & follow-through.

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  • author
    Kel
    Aug 12, 2022
    Terrible - with an update to the company response below

    Great rate starting. My dog is now 4 years old and very healthy. Somehow my premiums increased from the original rate of $33.61 on 3/11/19 to the absolutely absurd $70.62 they are now charging me as of 3/11/22. Don’t worry, they totally let me know about the price increases by creating a document and stuffing it deep in the archives of my online account…you know, a very accessible place that most normal people check on a regular basis…oh wait, no, I never received an email or letter in the mail, and I never checked the documents in my profile, so I was never notified. I’m no mathematician, but a 110% increase in only 3 years with NO claims that they had to pay me out for seems ridiculous. It’s a simple bait and switch…preying on peoples fears of the unknown. Now, they will claim that rates are adjusted to reflect market price for vet services, inflation, etc, but nothing has gone up 110% in the pet world. Pretty sure my vets prices are somewhat similar to when I started going there. This is a terrible business model. Provide affordable coverage for young dogs, jack the price up significantly, and make sure that by the time a dog is old and would need medical attention, the customer would have already canceled the policy because they could not afford it. If you are thinking of getting this insurance, consider that I am paying $847 a year for the coverage (22-23). That is in addition to the $678 (21-22), $522 (20-21) and $403 (19-20) I’ve paid them for the past years. That’s $2,450 that I’ve given them to “protect” my perfectly healthy young dog. By the time I would need coverage, I would’ve already paid more in insurance than I would’ve paid out of pocket. Then again, if something unexpected happened to the dog, I would’ve needed the coverage. But like I said, that’s their business model…prey on your fear. I wish nothing good for these people who make the policies to screw over people who try to do the right thing for their pets. I hope they get theirs one day. An update to answer the company response below: No one likes premium increases, thank you for pointing that out. Please explain, on this public forum, why an insurance premium increase of 110% is appropriate within 3 years. No need to access my account to identify the “factors” that contributed to the increase. All I’ve done is pay you. No claims on my end that make my account a higher risk than anyone else. Please enlighten us. And if your sticking point is you’ve sent an email with the increase information (maybe I missed it), you are missing the point. I don’t care about it not being communicated. I care about your ridiculous, unjustified price hikes. Shame on you for your bullsh*t generic rhetoric that you would like to speak with me about the increase. We both know ANOTHER conversation about it will not change a single thing.

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  • author
    Rachel
    Aug 12, 2022
    Pet insurance saves lives!

    Pet insurance saves lives! I hope you never need to use it, but Healthy Paws makes the claims process completely painless--you upload records and itemized bills, and they send you a reimbursement quickly. My adorable puppy endured two trips to the ER and will need surgery to recover from an unexpected birth defect. I'm not sure I could cover the cost alone, but with their help (and kind support, always asking how she's doing!), we can get through this.

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  • author
    Rachel Lubman
    Aug 11, 2022
    We love Healthy Paws!

    Healthy Paws have been awesome from day one! They respond to and resolve my claims quickly, and after one of my girls' recent trip to the ER, even checked in to ask how she was doing and send their well wishes. Their customer service is top notch and their coverage has given me and my rambunctious fur-family peace of mind. We love Healthy Paws!

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  • author
    Chris
    Aug 10, 2022
    Claims process has gotten horrible

    I used to love healthy paws but recently they've been horrible with claims processing. I used the app recently and a claim sat there with nothing being done for 8 days only showed submitted. The rep on the phone blamed the app so I submitted via email and it's now day 3 and nothing has been done with my claims. I'm only told they are sitting in a queue and will be handled eventually. Still not assigned to a claims adjuster. Absolutely ridiculous! I'm backlogged over $2000 in claims that I can't submit because they sit there and are done in order and as of now they aren't even processing the 2 I just submitted. Also the management team will now only email you and do not directly reply to your questions. Instead you get form responses. Multiple representatives and the manager that emailed me used the same exact phrasing (form response). The management team member never even directly answered the question I have so they don’t even edit the form letter response at all except to change your name and the management persons name. The quality of their company is definitely declining now. Go with a different company. Unfortunately because my dogs have chronic conditions I'm stuck with this company now.

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  • author
    Maritza
    Aug 10, 2022
    Highly recommend

    The BEST investment we ever made was getting Healthy Paws Pet Insurance for our pup! He recently tore his CCL and needed a VERY EXPENSIVE and extensive surgical repair. We did't worry about the cost because we knew Healthy Paws would cover 90%! We simply submitted the bill electronically and within a few days, our refund was direct deposited into our account! So simple and so reliable! Every pet deserves great care and Healthy Paws Pet Insurance will give you the ability to do so! Highly recommend them!!

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  • author
    Beth
    Aug 09, 2022
    Shock Prevention

    We were shocked to find out how much my dog’s heart tests and medications would cost. But 3 days after the testing, I received my reimbursement from Healthy Paws. And to top that off, they sent an email asking how he was doing. This was much better service than I got from the policy held for my prior dogs.

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  • author
    Rachel H
    Aug 08, 2022
    You’ll have to send your pet records 50 times. Then, they will deny your claim because they lost your records.

    I don’t even know what the hell I am paying for. First cat had some problems. They said they didn’t have his records. I sent them the day I opened the policy. I then had to send them THREE MORE TIMES before they stopped sending me “Final Notice” emails on the claim. Ultimately, they denied the claim. Shocker. Second cat now has issues, AGAIN they don’t have his records and AGAIN I sent them on the day I opened the policy and then another time for good measure after the first fiasco. Now I am sending them ONCE AGAIN. I should have cancelled this scam policy after the first time I had issues with them. What a waste of money. Terrible customer service (they can’t even tell you what it is that they need when you call!). Policy number I24548399 (records were sent on 2/4/22, I have proof) Find another insurance company!

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  • author
    Missy Bageant
    Aug 06, 2022
    Healthy Paws is great!

    I thought to myself, what health issues could an 11 week old mixed puppy from a Kentucky shelter possibly have? An older dog, yes, but would a young puppy really need health insurance? So I almost did not get Healthy Paws. Then I remembered that puppies do tend to chew & swallow things that they shouldn’t, and get into all kinds of mischief! So I did get Healthy Paws for my new puppy. This was in May of 2021. I looked at several companies & liked that Healthy Paws had no annual or lifetime limits, and covered problems at 90%. No, they do not cover routine health care or wellness, and I knew that going in. I wanted it for unexpected issues. Plus, it also came recommended to me by a model & actress who had adopted a Pit puppy who has had numerous surgeries & issues running into thousands of dollars. She told me it was all covered at 90%. Well, unfortunately, this last year we have been dealing with some unexplainable intestinal/diarrhea issues, plus itchy skin issues. What a life saver Healthy Paws has been! Our puppy has had numerous tests, including allergy testing by a specialist dermatology veterinarian, ultrasounds, bloodwork, different medications. Ugh. We never expected all of that with a new puppy, but she’s adorable and we love her to pieces! Healthy Paws processes my claims so quickly. It’s so easy to use their app on my iPhone, snapping a photo of the veterinarian’s invoice and sending it through the app. In as little as a couple of hours the claim is processed! The only time it takes longer is on weekends when my veterinarian is closed, which means Healthy Paws can’t contact her for more information… Right now the monthly premium is affordable, and yes, I know that the premium WILL go up as my dog ages. It’s inevitable, just like with humans… I would recommend Healthy Paws to anyone!

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  • author
    Lisa
    Aug 05, 2022
    I believe Healthy paws is great…

    I believe Healthy paws is great insurance for your Pet. Our dog had back surgery, that involved MRi, and two days in hospital. Now we have physical therapy. It's easy to submit invoices or doctors notes they need. The turn around time is not long. Healthy paws also sent me an email asking how our dog is doing. I don't know any insurance company who does that. I am very happy healthy paws helped us out. You never know when something goes wrong with your pet how things are going to turn out. I recommend this company. 😊

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  • author
    Juniper's mom
    Aug 05, 2022
    Best pet insurance

    Our five year old cat swallowed plastic and became seriously ill with hepatic lipadosis. She had to be hospitalized. I've never been so happy to have pet insurance. She has made a full recovery. Healthy Paws was so responsive and sent reimbursement right away. I wish people health insurance worked as seamlessly. Thank you so much Healthy Paws.

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  • author
    Kim N.
    Aug 04, 2022
    Don't bother looking anywhere else

    Look -- I don't typically write reviews, and yes, I get that saying that already sets this up to be suspect, but I can't stress how much I love and appreciate healthy paws. They've been covering my furbaby since he was a puppy, and he just turned 8 this year. In his short lifetime, he's had to have 2 major surgeries, in addition to a boatload of testing and other things I'm sure seem unpleasant for him. I have never had to worry about about making sure he gets the medical care he needs. Healthy Paws has ALWAYS processed my (numerous) claims quickly (usually less than 24 hours), and I've always gotten coverage payouts quickly as well (usually less than 24 hours after receiving claims processing notice). No coverage caps. Only reasonable policy exclusions. I've always found their coverage policies and prices to be fair as my dog has aged, and I plan to cover any/all pets in my care with them in the future.

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  • author
    Chris
    Aug 03, 2022
    Please, if you care about your pet's health, do not use this company

    Please, if you care about your pet's health, do not use this company. I've been going back and forth with them for two months trying to get reimbursed for my dog's pneumonia bills. Three vet clinics have sent my dog's records to Healthy Paws multiple times, but they just keep requesting the same records over and over until they cancel the claim. This is a borderline fraudulent business. Their communication is terrible, and they make fining a claim impossible. Shop for insurance somewhere else. I'll be switching to another company.

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  • author
    Amanda M
    Aug 02, 2022
    Highly Recommend

    I am incredibly happy with Healthy Paws! I purchased their insurance right after getting my pet in November 2020. It is easy to file a claim, they are communicative and efficient in processing the claims, and they even go above and beyond. For instance, my dog just needed major surgery and not only was the claims process seamless, they reached out to me to see how she was doing. I was so appreciative of that and I believe it speaks to not only their customer service, but genuine care for our pets. I HIGHLY recommend Healthy Paws!!

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  • author
    Liz
    Aug 02, 2022
    Healthy Paws has been a godsend

    Healthy Paws has been a godsend for the rescue dog I adopted earlier this year. I was on the fence about whether to get pet insurance and I'm so glad I did. Their customer service is wonderful and they process claims accurately and efficiently. Would recommend them for any pet owner!

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  • author
    Laura W
    Aug 02, 2022
    If you are on the fence, read this.

    If you are on the fence about which insurance to get, get HealthyPaws. We have had HealthPaws for both of our pups for over seven years. This review is long overdue. When our 13-year-old puggle became suddenly ill, knowing we could focus on her and not have the weight of how much an emergency hospitalization was so helpful. From a business perspective, HealthyPaws has always reviewed the claims quickly and made payment in less than 10 business days (usually much faster), which is amazing. Then comes HealthyPaws humanity. After Zoe's unexpected visit, we received an email checking in asking how she was doing. *Never* in my human life, have I had an insurance company reach out to me after an unexpected illness. They do not only give you peace of mind to focus on the furry love of your life, by they care. They care about the furry ones they insure, and I am just not quite sure you can ask for more than that.

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  • author
    PKim
    Aug 02, 2022
    Horrible Customer Service

    Horrible customer service. I requested change to our account and was told it would take 3-5 days. 3 weeks later company no one has reached out and company says will cancel request. I called and wait 30 minutes to speak with someone who tells me he cannot do anything. I ask to speak to a manager and when he gets on, he literally hangs up on me less than a minute into the call.

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  • author
    Ashley Przypek
    Aug 01, 2022
    Healthy Paws has kept us out of doggie care debt!

    My husband and I have two rescue dogs, Bear and Layla. Layla has had very few accidents and illnesses over the years but Bear has more than made up for that! We would do anything to keep him healthy and happy, but we would go into debt taking care of him if not for healthy paws. We receive our claim reimbursement within a week of our initial cost and the team at healthy paws even reaches out to make sure he is doing well. I recommend pet insurance in general to all pet owners I know, and healthy paws is definitely the best in my book!

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  • author
    Customer
    Aug 01, 2022
    Highly Recommend Healthy Paws

    Highly Recommend Healthy Paws

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  • author
    Kelly Carlson
    Aug 01, 2022
    Outstanding Pet Insurance

    I cannot recommend Healthy Paws insurance enough. I have had bad luck with my puppy dogs this year and Healthy Paws has been there every step of the way. From a kidney infection with one dog that required hospitalization to knee surgery with another dog and rehab therapy, Healthy Paws covered everything! Not only did they cover all of the medical bills, to make it possible to keep my dogs healthy and happy, their reimbursement timeframe was less than a week. If only my own health insurance could be this outstanding! I highly recommend this insurance company to anyone who has a pet. You never know when you’re going to be hit with an outstanding hospital or emergency room bill and Healthy Paws will help ease some of the stress of that experience.

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  • author
    Shelly Rivas
    Aug 01, 2022
    My dog had to get TWO TPLO surgeries…

    I made the decision to get pet insurance for my puppy when she was under one year old and the reason why is because I never wanted to have to decide between money and possibly saving my dogs life. HealthyPaws insurance gave me the peace of mind that if anything ever happened to my dog I would always be able to help her without worrying about the cost of vet bills. At just 2 years old, sure enough my dog tore her CCL in both hind legs. That came out to around $8000 for both TPLO surgeries not including the visits I made to the specialist to figure out what was wrong with her. With HealthyPaws I received 90% of that back. Without HealthyPaws insurance I don’t think I would have been able to get the surgery done for her so soon and her limping was pretty bad so I’m grateful I was able to help her right away. HealthyPaws has always been quick to reimburse my claims (usually within a week) and the app is very easy to use. I usually get the itemized receipt emailed to me and then I just submit the receipt through email in the claims portal. I HIGHLY recommend them and also get insurance as soon as you can because they do not cover pre-existing conditions.

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  • author
    Lisa Bedker-Madsen
    Aug 02, 2022
    HP used to be AWESOME and I would…

    HP used to be AWESOME and I would recommend it all the time. Recently they were bought out and it has become a real pain to make a claim: They always say part of the invoice was "obscured". I use their app, then I scan and resend a couple more times before it goes through. The coverage is good, but my rates doubled in one year. I still use them because any pre existing conditions would not be covered with new company. *in regards to their response: This happens on nearly every claim in the past year. This most recent invoice was missing the word “tax” but several times now they say “part of the invoice was obscured” I have sent as a jpeg, pdf and using their app.

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  • author
    Khristin Degli
    Jul 31, 2022
    So grateful and thankful for Healthy Paws…

    So grateful and thankful for Healthy Paws Pet Insurance. We have had this policy since our dog was a puppy and are so thankful Healthy Paws is always there when we need them. We typically meet our deductible most years with our Bernese Mountain Dog, but most recently we had a scare with diarrhea/vomiting/loss of appetite/lethargy and refusal of water. His liver enzymes were > 3000 (normal is < 120). He was hospitalized for 4 nights and had his gallbladder removed. Healthy Paws covered 90% of our bill after meeting our deductible. We couldn’t be more thankful. Not sure what we would do without the insurance. Highly recommend without reservation! Thank you Healthy Paws!

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  • author
    Joanne H
    Jul 30, 2022
    I love Healthy Paws

    I love Healthy Paws! My Cavalier King Charles just had to see a neurologist and have an MRI. I was reimbursed within literally days. Claims are always processed quickly and I have no issues with this company. It is important that I can make decisions for Benjy’s medical care based upon what is best for him and without taking financial issues into account. Healthy Paws gives me that ability. The follow up email to see how he is doing is cute too!

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  • author
    ROBIN DOBBS
    Jul 28, 2022
    Great Service and Coverage

    Our 9 Month Old Labradoodle had a terrible accident resulting in Emergency Trauma Care followed by Major Orthopedic Surgery. We were able to take her to a top Orthopedic Specialist of our choice and provide her the absolute best care. Healthy Paws covered everything less the deductible and 10% copay. The claims were approved and paid in less than 5 business days. They even sent a get well card! The online claims process was quick and easy. Healthy Paws far exceeded our expectations in every way.

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  • author
    Melanie Boss
    Jul 28, 2022
    Best insurance!

    Our sweet goldendoodle just recovered from a major abdominal surgery. Without Healthy Paws, we could not have provided her with the care she needed. Healthy Paws paid 90% of our claim. We were so relieved. With a daughter in college, this was a blessing. The claim process is super easy and I love the app! Healthy Paws gives us peace of mind when making medical decisions for our sweet girl. I highly recommend this insurance!! It’s very affordable!

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  • author
    Jen
    Jul 28, 2022
    The best of the best!

    I have been using Healthy Paws for my two English Bulldogs for the past 6 years and they have been nothing short of amazing. Bulldogs are prone to health problems and my two are no exception. Once I hit my annual deductible, Healthy Paws covers 90% of most of our vet bills which has helped me tremendously on numerous occasions. They are super quick to complete my claims and reimburse me almost immediately. If I ever have a problem or dispute with any of my claims they listen to my concerns and even reversed a denied claim for me when realizing that there was an error. They are reliable, honest, friendly and extremely accommodating and I couldn't recommend them more! I sleep better at night knowing that no matter what, my fur babies are in good "paws" :)

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  • author
    Laura Siener
    Jul 27, 2022
    Healthy Paws pet insurance has been…

    Healthy Paws pet insurance has been amazing and the best investment I’ve ever made.I purchased it a little over a year ago for my healthy one year old husky and used it once shortly after initial purchase when Tahoe ingested a toxic mushroom in our yard and ended up in the ER and spending over a day in ICU.I was reimbursed within 2 weeks after submitting invoice and medical records.Then sadly last month Tahoe started with bizarre neurological symptoms landing him in the ER twice in 2 days each time being admitted for blood work, x-rays, medications and even a head CT.The local ER vets concluded that he would need a specialist for a mri of his spine which was locally not available.After traveling several hours to a Neurologist for a MRI and spinal tap Tahoe was diagnosed with Wobbler’s disease and would need surgery to stop the spinal cord compression.I already applied well over $8000 to my credit card and we have not even seen the surgeon yet.Healthy paws has already delivered checks for over $4000 thousand this month and the rest is in the mail.Without this surgery Tahoe would be in constant severe pain and shortly become paralyzed and honestly I’m not sure I could afford the surgery especially after already spending $8000.I hate to even think of the decisions I’d have to make if I did not have Healthy Paws insurance.After this surgery Tahoe will live a long , normal and pain free life. Customer service reps are very easy to get a hold, I never wait long on hold , they are very friendly and very knowledgeable.

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  • author
    Jen S
    Jul 25, 2022
    Healthy Paws paid for pup's hip surgery

    When we first adopted our pup 2 years ago, we debated if pet insurance is worth the cost. In the end, we decided to do it, and I'm so glad we did. While our dog was young and healthy when we adopted her, we couldn't have possibly predicted all her healthcare needs, which included a parasite, an esophageal issue, eyelid surgery, severe allergies.. and most recently, a hip replacement surgery. In every case, the claims process has been so quick and easy, and payment came within days. It is such a relief to be able to make decisions for my pup just based on what is best for her, not having to worry about the cost. I know that her quality of life is so much better because of it! And it gives me peace of mind as well, knowing that we can care for her no matter what comes up.

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  • author
    Travis F
    Jul 25, 2022
    Healthy Paws has been a lifesaver

    Healthy Paws has been a lifesaver for both my dogs. Knowing that I don't have to worry about overwhelming vet bills for my dogs is a tremendous relief. I've had to use the program a few times, and filing a claim is incredibly easy. It takes less than 60 seconds in most cases. I've typically had reimbursements processed within just a few days - even when the expense was larger due to a surgery. I'll never go without pet insurance again for my dogs!

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  • author
    Colleen Busin
    Jul 25, 2022
    Excellent pet insurance - Surgery

    Excellent pet insurance. We would have paid between 12-15k for a carcinoma removal surgery without this policy. Instead we paid only 10% of the total.

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  • author
    Yolanda
    Jul 24, 2022
    So happy with Healthy Paws

    Our family has been so happy with Healthy Paws. They are always prompt in their review of claims, and they are accurate and fair in their reimbursement. This is an honest company that truly cares about your pet. We are so grateful for them.

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  • author
    M. Hauser
    Aug 23, 2022
    They finally came through after complaining on Trustpilot

    After years of having our pet insured with Healthy Paws, we finally had an emergency that ended up costing around $800. That was over half a year ago. Ever since then, HP is requesting more medical records (THERE AREN'T ANY, WE'VE SUBMITTED EVERYTHING!!!!), then they close the case, reopen the case, and we go through the same stupid game over and over. It's called giving your customer the run-around. It's been the most aggravating and frustrating thing we've ever had to deal with. There is no reasoning with these people. Just a classic, scum of the earth, greedy, and highly unethical insurance company. See you in court. The Policy Number is I19044579, the claim number is 748241-1-2. Update August 2022: After months of wrangling and frustration, Healthy Paws finally settled the claim after I posted this review. Needless to say, the 1-star rating stands and our policy with them is cancelled for good.

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  • author
    Casey Beck
    Jul 22, 2022
    I am glad I got pet insurance!

    Healthy Paws has been great! We were unsure about getting pet insurance but did so anyways just to be on the safe side. I am so glad that we got it for our pup. We found out that he had torn ligaments in both hind legs and needed surgery on both. Without Healthy Paws, we would not have been able to afford the care our pup needed!

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  • author
    Steph
    Jul 21, 2022
    ACL/CCL Coverage - Easy and Fast!

    When my dog tore his CCL (ACL) at age 3 I was very concerned that we would not be able to afford his surgery and his rehab that would help optimize his recovery. We got Healthy Paws pet insurance when he was a puppy and thankfully that covered everything up to 90% after we met our deductible (met this very quickly with the cost of surgery). Not only did they easily cover the surgery without any push back but they also have been covering his physical therapy. They covered physical therapy both before surgery (water treadmill and laser therapy) to keep him strong before surgery and now they have continued to cover physical therapy after surgery. The surgery was 4700 dollars and they covered 90% of this and then PT is about 1000 dollars per 8 sessions and they are also covering 90% of this. We uploaded our bill and vet notes on the day of surgery and I had a direct deposit within days into my bank account for the reimbursement. Over the years they have also been easily putting minor issues towards his deducible without pushback (allergies, a skin infection from his seasonal allergies, etc.). I cannot recommend getting pet insurance enough - it has helped us so much through this surgery.

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  • author
    Desiree B.
    Jul 20, 2022
    Company that cares about your pet…

    I’ve been with Healthy Paws for over 2 years. Claim submissions are fast and easy. Recently our Homer boy had to have life saving surgery to address his breathing issues, the cost was close to $7K. Any questions I had regarding my policy was addressed with a quick call to a friendly customer rep. After surgery I submitted my claim and within days I was reimbursed 80% of Homer’s surgery. Healthy Paws was even kind enough to check on Homer and his recovery. Great customer service by people who really care about your pets. This surgery would not have been possible without pet insurance. Thank you Healthy Paws!

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  • author
    Gisely
    Jul 20, 2022
    Quick claims process

    I currently have used Healthy Paws with my two rescues. One of my babies has been having stomach issues and dental issues. Healthy Paws has answered and paid all of the claims really quickly. I am super happy with having both of rescues insured under Healthy Paws.

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  • author
    Joe K.
    Jul 19, 2022
    Great Service!

    Unfortunately my dog seems to have genetically bad knees. He just went thru his third knee surgery in the last 2.5 years. I am sure I don't have to explain how expensive these surgeries are. It is a stressful time for me and my dog, but it is a comfort to know that Healthy Paws has our back. All the surgeries were covered without any question. For the most recent one I submitted the claim on Friday afternoon and by Tuesday morning the reimbursement money was already deposited into my account. Amazingly simple to submit the claims and super quick payment. Not much more I can ask for. I would recommend Healthy Paws to any pet owner.

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  • author
    al
    Jul 19, 2022
    TPLO Surgery

    My dog just got TPLO surgery. We got an appointment through our vet with a surgeon very quickly, in like 5 days. My vet told me that their front desk was very familiar with Healthy Paws, and also that they were a great company to be with. She was right! The front desk girl was out a few days and was only back at work the day before my dog's surgery. She was able to contact Healthy Paws and by the end of the day and several phone calls between myself, the vet and Healthy Paws, everything was in order for direct pay and I knew what my covered amount would be. I was amazed that they could get all this in order in just one day! It was incredibly organized and Healthy Paws also sent me several emails during the day to let me know the vet had contacted them and where we were in the process. I was very pleased with how quick and caring they were. I also got an email a few days after surgery from Healthy Paws asking how Phoebe was doing! I highly recommend them. I have the 90% Coverage after my deductible. I was hoping I never had to use this insurance, but I am so happy I did choose them! I also sent in some claims prior to this surgery and they handled them efficiently and were very pleasant to deal with.

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  • author
    Anna
    Jul 16, 2022
    If I can give zero star I would

    If I can give zero star I would. Very slow processing if you ask for direct payment from the vet to them. My cat was very sick I have to apply for a loan from scratch pay to save my cat's life and took her to ER. I made multiple phone calls with them, they wouldn't get back to you unless you have to follow up. They only reached out on me when I canceled the policy. I have this pet insurance for almost 2 years will never get again they're not reliable in case of emergency they want you to pay upfront and reimburse I understand that's the protocol but what if the parents are tight of the budget? Wasted $23 dollars a month!! Never again

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  • author
    Gordon Polk
    Jul 16, 2022
    When our dog was a puppy we had a…

    When our dog was a puppy we had a $5,000 trip to the emergency. "After" a friend told us about Healthy Paws. We purchased the insurance a little over 4 years ago. Then last month we had to take him in. We submitted the paperwork from the Vet and there was absolutely no issues with Healthy Paws. In fact we couldn't believe it was that easy and we got what was due back to us faster than could have been expected. Highly recommend!

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  • author
    Katherine Arnold
    Jul 14, 2022
    Best Pet Insurance!

    I have had Healthy Paws for about 6 years. I have 2 goldendoodles. Every time I have had a claim, large or small, they review and pay it out within days. No hassles. No denials. My youngest pup ate a toy a couple of weeks ago and had to have it removed at the ER. Final bill was around $4k, and I was reimbursed 90% of that (less my deductible) within about 5 days. I can’t say enough good things about them. Get when your pup is young, though. Made the mistake of waiting until my 2nd pup was almost a year old, and because he has already had an ear infection, any subsequent ear/skin infections are considered pre-existing and aren’t covered. Worth it to get them enrolled early.

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  • author
    Madeleine Jacot-Carter
    Jul 14, 2022
    Healthy Paws is the BEST

    Healthy Paws is the BEST! Our Frenchie has been high maintenance and if it weren't for her wonderful coverage, I would be BROKE! The customer service is always awesome, they respond to claims and send reimbursement checks quickly (sometimes within a week) ! I highly recommend!!! I wish MY health insurance was as good! My new baby is now enrolled as well.

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  • author
    EB
    Jul 16, 2022
    Worse policy for emergencies

    FOOTNOTE: Their response is below but I want others to learn from my mistake - ANY EXAM is NOT covered. Keep clear of Healthy Paws or pay dearly. "(E)xclusions are pre-existing conditions, preventative/routine care and the office visit fee (vet exam, emergency exam, recheck or consultation)." This is the worse policy for emergencies! Buyer beware! I had to take my dog to an ophthalmologist because the emergency rooms were too busy and she was able to work him in since his eye was bleeding. The exam was $499 which includes staining and of course diagnosing it. Healthy Paws reimburse me $60 because they said they do not cover emergency exams. I asked how does a veterinarian diagnose if they can't examine the animal and they had no answer for it it just simply isn't covered. So I canceled it. Shame on them for not covering emergency exams!

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  • author
    Valerie M
    Jul 10, 2022
    Absolute nightmare

    I have several pets with this company and experience nothing but headache, stress and frustration when trying to get claim processed. My vet provided written and computer printout of medical records that is required in order for first claim to be paid out. Everything he had I have submitted. Healthy paws came back and stated it is insufficient and they want sop notes. I have been back and forth with my vet and he stated that is how he writes his patients records, that is how he conduct his business and he has nothing else additional to give me. They refused to accept patients records from my vet in order to pay claim stating it is not detailed enough. I wish I stayed with my old insurance company. I would never recommend this company to pet owners.

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  • author
    Anna
    Jul 10, 2022
    10/10 for Healthy Paws Insurance

    I signed up for Healthy Paws when my aussiedoodle was 8 weeks old. She is almost 2 years old and has had several visits to the vet because of her sensitive stomach. I have never had an issue with Healthy Paws not reimbursing for her visits. They do NOT reimburse for exam visits, spay or neuter, or yearly shots but, with my plan, I get 80% back of what they do cover. This last visit to the vet she had was an overnight visit and they even followed up in a sweet email asking how my pup was doing. It’s super easy to file a claim. I just get an itemized statement from her vet, scan it to my computer, upload to Healthy Paws “File a Claim”, and submit. Usually, I see a reimbursement within 72 hours. Sometimes less. My monthly plan is only $23 with a $100 deductible. SO much cheaper than having to come up with hundreds/thousands of dollars in case of an emergency. Wonderful insurance company! I highly recommend them!

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  • author
    Molly Miller
    Jul 09, 2022
    Healthy Paws is the Best!

    My canine best bud, Bandit, became suddenly and desperately GI-sick a couple weeks ago. I took him to the hospital and he had to stay in the ICU for two days. I’m pleased to say he’s recovering well. You can imagine how stressful and scary it was for both of us - and how expensive!! I am so grateful to Healthy Paws for supporting us during this experience. I called them while Bandit was in the hospital to go over my policy and begin preparing myself for the cost. The agent was compassionate and patient, expressing genuine concern for Bandit’s well being, and walked me through the information I needed. She also advised on documentation from the hospital that would speed processing of my insurance claim. I submitted all the paperwork on a Sunday afternoon and already had the claim settlement by Wednesday! I was amazed at how much money I received back, how quickly they processed the claim, and how kind they were throughout the process. They even emailed me afterward to check on how Bandit was feeling! I highly recommend Healthy Paws to anyone who is looking for insurance for their pet. It was 100% worth it for us, and the claim experience couldn’t have gone more smoothly! Thanks from both me and Bandit, Healthy Paws!!

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  • author
    Judy Ho
    Jul 08, 2022
    First time having health insurance for…

    First time having health insurance for a pet and so happy we did. Everyone I've talked to has been extremely caring for both myself and our new pup, Luther. At just 5 months, we took Luther to an emergency vet to check on a tummy issue which Healthy Paws helped pay for after a deductible. Soon after that claim was resolved, Luther was hit by a car and taken to the emergency vet again. Healthy Paws was able to help pay up to 80% of it as per our health insurance and also checked in on how Luther was doing after the claim had already gone through. Truly great customer service and we will be continuing using their health insurance. Thank you for thinking of Luther!

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  • author
    Rev. Charles B. Baron
    Jul 07, 2022
    Great Experience with Healthy Paws Pet Insurance

    My Pomeranian Bruno Bear had a one night $2500 hospital stay for gastroenteritis. Healthy Paws covered $2100. They paid the claim quickly and directly into my bank account. Just make sure Healthy Paws has your pet's medical records.

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  • author
    Sonya
    Jul 07, 2022
    I signed up for Healthy Paws insurance…

    I signed up for Healthy Paws insurance when we first got our puppy, 4 years ago. She hasn't had any serious medical issues so had not had to file a claim until recently. Edie unfortunately punctured her eye causing an ulcer. Being a Boston Terrier, her eye would not heal on its own and required surgery to try and place a graft to assist in it's healing. That surgery was pricey ($3k) and was unsuccessful which then required another surgery to remove her eye (another almost $4k). It was a stressful and traumatic experience for all of us and I was equally stressed about filing my first claim and how it would go However, Healthy Paws made a stressful part of an already stressful experience, so easy and stress free! They even emailed to follow up on how Edie was feeling after her surgery. Highly recommend!

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  • author
    JML
    Jul 06, 2022
    Awesome insurance

    Awesome insurance! Fast reimbursement! Easy to submit!

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  • author
    Layla Soares
    Jul 05, 2022
    Healthy Paws is stellar — covered a $9k emergency puppy surgery!

    Thank goodness for this pet insurance! Our puppy had 10 minutes with a new toy and unbeknownst to us, swallowed a good sized piece. Two days later he is almost at death’s door with a blockage, and we had to rush him to the emergency animal hospital. Right then and there, they put a $10,000 hold on my credit card. It was terrifying to know how critical my pet’s health was and also scary the cost of care they told us he needed. Thankfully, his stomach surgery was a success and he’s back to his old goofy self. But then I was bracing myself for a potential back and forth to get the insurance to reimburse because we’ve all heard the horror stories of finding out what’s REALLY covered! I was so happy to say that it was easy and they paid the vast majority of our $9000 final bill (we have 80% reimbursement coverage). It was fast and easy — just upload the itemized invoice and the check arrived a week later— and they even checked via email to see how our pup was doing! Color me SUPER impressed. I have told everyone I know to get their pet covered by Healthy Paws. I never take the time to write reviews like this but they truly deserve it!

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  • author
    Lee McIntyre
    Jul 05, 2022
    Healthy Paws is the best

    Healthy Paws is the best! During a recent bout of IBD the medical bills for my Husky/Shepherd mix racked up quickly. Healthy Paws paid their fair share quickly with no hassles at all. In fact, after about the fourth check they wrote and asked how he was doing just to make sure he was ok. Now that's good service! At this point I'm sure they've paid me more in reimbursements than I paid them in premiums, but they've never complained. (Oh, and they did the same thing for my last dog...a 14 year old GSD with multiple health issues). I wish my own health insurance were this good.

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  • author
    Matt Dittrich
    Jul 05, 2022
    Trouble free claims experience

    My experience with Healthy Paws has been very positive. Like any insurance product, you never know how well it will work until you need it. We have maintained coverage for our dog and cat for 6 years, and never really needed it until this year, when our dog Hammy tore a knee ligament and needed surgery to repair it. After we met the annual deductible, Healthy Paws paid their share of the remaining bills with no trouble at all. The vet also prescribed medication to relieve arthritis in Hammy's other knee, and this was covered by insurance too. Claims are paid very quickly via direct deposit, and customer service is helpful and friendly when needed. The "preexisting conditions" exclusion is disappointing, and annual rate increases are never fun, but I suppose that's standard practice for the industry. Overall the insurance does the job I want it to do, which is to make it easy to keep our pets healthy and happy.

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  • author
    Alex Frieden
    Jul 05, 2022
    ACL issues on one leg make the other pre-existing

    Our dog who is under six had an ACL repaired in one leg. A year later she needed work on the other leg which has never had issues. Healthy Paws has this exception so they don't have to cover it buried in their FAQ where one leg that is fine is already considered pre-existing. When we submitted paperwork all they did was close the case with no note on what has happened. MSPCA Angel in Boston told us this is the most common injury with dogs yet there was no effort to cover this or try to make it work with our premiums. We are outraged for this kind of poor coverage.

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  • author
    RL
    Jun 29, 2022
    I have been a customer for over six…

    I have been a customer for over six years and did not have any problems with submitting claims. That is until this year when I had to submit a claim for surgery for my port to fix his ccl. All of a sudden the claim was denied and excuses were made saying documentation does not exist and were missing even though the vet had sent them multiple times. It has been over three months and I still have to resubmit the same documents. Unacceptable response from them.

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