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Is Healthy Paws The Best Pet Insurance?

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Dog's paws in sandHealthy Paws pet insurance is our #1 pick for best pet health insurance. Healthy Paws took the gold medal because it has a history of great customer service, annual deductible (vs per incident) and unlimited lifetime benefits. You get to choose how you want to pay by deciding your annual deductible and the percentage of the vet bill that you’ll be reimbursed for when you sign-up for your initial plan.

Healthy Paws also likes to give to those in need. Each time you get a quote from Healthy Paws they donate money to a homeless pet in need. Healthy Paws covers many services including genetic conditions like hip dysplasia, a condition that is rarely covered in the industry. Take a deeper look at our Healthy Paws Reviews to learn if they are the right pet insurance provider for you.Healthy Paws logo

Visit Healthy Paws Website

Help a homeless pet just by getting a quote… read more below about their Every Quote Gives Hope™ program.

Review Overview

Policy Coverage
Customer Service & Reputation
Timeliness of Claim Payment
Price of Policy

4.63/5.00

Healthy Paws is our #1 pick for pet insurance. Healthy Paws covers practically anything your dog would need covered. Their customer service is great and their pricing is among the lower end when compared to other pet insurance providers.

User Rating: 1.96 ( 309 votes)

Why Does My Dog Need Health Insurance?

The same reason you need it. Should an unexpected accident or illness arise you don’t want to find yourself with large vet bills asking you to pay large sums of money to get your dog back to 100%. It’s comforting knowing that if something does happen, you are able to help your pup without the cost of high unplanned medical bills. It’s nice having that financial support to lean on for help so that the emotional wear is a little less as well.

Services Covered By Healthy Paws

Here is a list of services that HealthyPaws covers and does not cover (as of April 2017). Services included are not limited to this list and are subject to change.

CoveredNot Covered
SurgeriesPre-existing conditions
HospitalizationWellness visits (preventative or routine care)
CancerVaccinations
Prescription medicationsTeeth cleaning
Diagnostic treatment and testing (x-rays, blood tests, etc.)Spay/neuter procedures
InjuriesVeterinary exam or office visit fees
Illnesses
Congenital conditions
Hereditary conditions
Chronic conditions
Accidents
Emergency care
Alternative treatment

How Does It Work?

After you pay for your dog’s treatment at the vet, use the mobile app to take a photo of your itemized vet invoice to submit your claim instantly. If you prefer pencil and paper, there is a claims form that you can print out and complete as well. Healthy Paws will process your claim and send you a reimbursement check. Most reimbursement checks are sent out within 3.5 days of when the claim is filed which is likely before your credit card bill even shows up, if that is how you chose to cover the cost until the insurance company paid you back. In May 2017, Healthy Paws is releasing a direct deposit reimbursement option as well.

Pros

Cons

  • Annual deductible vs. per incident deductible
  • Unlimited lifetime coverage so no annual or per incident limits on claims
  • Pricing is generally the best value vs competition (get quotes)
  • Your pet is covered when they travel with you in the United States or Canada
  • High customer satisfaction
  • Easy to submit a claim on the Healthy Paws app for quick claim reimbursement
  • Most claims are in the mail within 3.5 days (first claims may take longer since they need to review your dog’s full medical history)
  • BBB accredited with an A rating
  • Great email response time
  • Good CCL (ACL) coverage, read this comment thread for more information
  • Veterinary exam fee and behavioral therapies are not covered
  • Excludes hip dysplasia in animals enrolled after age six, so this might not be the best option for large breeds that are older than six. There is also a 12 month waiting period.
  • Contract states under section III item 5, You must agree to implement all reasonable means possible in the care and protection of your pet. This statement is rather vague and may be open to the company’s interpretation of whether or not you are caring for your pet appropriately.
  • There are age restrictions. (If pet is older than six you must have vet exam within past 30 days for enrollment. If not, you must get one within 15 days for the new policy to be effective.)
  • No wellness plan
  • Charges a one time $25 fee

Coupon Code

Use this link and you will receive up to a 10% discount. If for any reason the discount does not show up, add in the SAVE10 Healthy Paws discount code to make sure you get this web discount. You can also visit our dedicated HealthyPaws promotions page to discuss current offers.

Is My Dog Eligible for Healthy Paws?

All dog breeds are eligible for Healthy Paws’ unlimited lifetime benefits. Dogs between the ages of 8 weeks and 14 years are eligible to enroll. Once enrolled, your dog is protected for the lifetime of the policy. Pets 8 years and older receive a 70% reimbursement level and $500 annual deductible without the other options due to increased risk of accidents or illness with age. Below is a table showing examples of quotes from Healthy Paws. You can put your pet’s information directly into their site to get a better estimate for your pet (use our link above for the best discount).

BreedLabrador RetrieverEnglish Cocker SpanielGerman ShepherdYorkshire TerrierYorkshire TerrierYorkshire TerrierMixed Breed Cat
Age2 years8 years4 years6 years2 months2 months2 years
LocationFlorida
(zipcode: 33601)
Illinois
(zipcode: 60290)
California
(zipcode: 90001)
New York
(zipcode: 10001)
New York
(zipcode: 10001)
Florida
(zipcode: 33601)
Washington D.C.
(zipcode: 20001)
Price Per Month$32.75$53.99$48.06$70.52$46.05$25.65$16.77
Reimbursement Level80%70%90%90%90%80%80%
Annual Deductible$200$500$500$100$100$200$250

As shown above, things like location can change the price per month. In four columns we changed one thing to show how your monthly payments can vary depending on your reimbursement level, annual deductible, location, and age.

What If My Dog Gets Hip Dysplasia?

Healthy Paws covers expensive hereditary and congenital conditions under the condition that your veterinarian has not noted these clinical symptoms prior to obtaining Healthy Paws’ pet insurance. You must enroll your dog for lifetime hip dysplasia before the age of 6 for you to take advantage of this coverage. It’s important to know that there is a 12-month waiting period for hip dysplasia coverage from when you sign up with no related medical history to when your pet can be treated for it. Although there are some conditions that must be met to obtaining hip dysplasia coverage, it is a rare and great advantage that few pet insurance providers offer. Check out our hip dysplasia article to learn more about this condition, if your dog is likely to suffer from it and possible treatments for your pup.

Healthy Paws’ Every Quote Gives Hope Program

Healthy Paws donates toward a homeless pet’s medical care each time you get a pet insurance quote with their Every Quote Gives Hope™ grant program. Cash grants are given to pet rescue and adoption organizations for life-saving vaccines, medical treatments, and spay/neuter surgeries. By caring for these homeless pets, they are made more adoption-read since they are in good health and ready to go.

Healthy Paws’ Mobile App

The Healthy Paws app lets you take a photo of your pet’s veterinary invoice and submit your claim on the app. There’s no need for paper forms anymore. This is a faster and easier way to submit claims. The claims get processed quickly and a reimbursement is sent. You can download the iOS app for free via this link or the Android app here.

Opinions on Healthy Paws

We found real Healthy Paws customers’ reviews. Not only the good but also the bad so you could see both ends of the company. Since the dogs couldn’t share their thoughts we asked the pet parents 😉 .

Positive Reviews

I have 2 dogs insured with Healthy Paws since about 3 years ago. Fortunately, only submitted a couple of claims but their staff is always super helpful and understanding. The claim process was smooth and easy, and they were very clear on what they would/would not cover. I have no complaints. – J.W., BBB 4/19/16

From the first time we looked into the eyes of our new French bulldog puppy, I knew we needed pet insurance because we would do whatever our vet said she needed to keep her healthy. I researched several pet insurance companies and found Healthy Paws to be the best out there.
Five years later, I am so glad that we signed up with Healthy Paws!  We thought our little girl was having seizures a few weeks ago. After 3 visits to our local vet, they recommended that we travel to an animal neurologist for further evaluation. They did an MRI which revealed a herniated disc in her neck that we are treating with meds & limited activity. We racked up thousands in vet bills that Healthy Paws not only paid 90% of, they also followed up to see how she’s doing! To get reimbursed, all you do is take a photo of the vet bill on your smart phone, hit submit, and you get a check in about a week! If they would only insure us too!!! – Greg W., Yelp 3/5/2017

Baxter’s Story

Cancer is the highest disease related cause of death for pets each year making up almost making up almost 50%. Unfortunately, Baxter was diagnosed with cancer and his owners needed help financially. See how Healthy Paws helped this family in a time of need.

Negative Reviews

Definitely would NOT recommend Healthy Paws. The customer service was beyond awful. They canceled my pets policy claiming a payment did not go through which I did not find out until I was investigating a claim i’d placed. No one reached out to me to correct the error and now they are requiring that my dog be placed back on a 15 day waiting period although they are reading her policy over the phone and verbalized that she does not have a preexisting condition. IF YOU CARE SO MUCH ABOUT THE HEALTH OF YOUR CLIENTS LOVED ANIMALS YOU SHOULD SHOW THAT INSTEAD OF JUST COLLECTING MONEY LIKE ALL OTHER INSURANCE INSTITUTIONS! AWFUL!! I If I could give less then one star I absolutely would. My policy was clearly canceled because I filed a claim! Thank you Healthy Paws for absolutely nothing! – R.S., BBB 1/26/2017

Pet parents please be aware- stay away from healthy paws. Every claim we have filed has been denied due to pre-existing condition!! Do you know that allergy is a pre-existing condition? Think of us human-being, we all have some type of allergies but does our health insurance denies coverage because of allergy? Not to mention that they try to link every sickness my dog has had due to allergy!! Bleeding paws, bug bites, you name it!! NOTHING IS COVERED Because EVERYTHING IS DUE TO PRE-EXISTING!!! Did your claims representative get trained as a vet?? If not, please DO NOT diagnose my puppy!! This company is a total SCAM! Stay away! I want my money back !!! – Daphne W., Yelp 1/2/2017

What Are Your Healthy Paws Reviews?

Read our Healthy Paws review but still not sure if it’s the right pet insurance provider for you? That’s ok! You’ve got lots of options and you should always get at least two quotes to compare coverage and cost to find the best value for your family. Our Pet Insurance Reviews article compares Healthy Paws against many other providers to help you determine the best fit for you. If you’re thinking about getting pet insurance but still have some unanswered questions feel free to ask us! We’re here to help you and your pets live a better, less stressful life.

Do you have any questions about Healthy Paws plans and what they cover?

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

Growing up, Kimberly used to get the sniffles when she was around dogs. Thankfully, she grew out of her allergy and is now able to play and snuggle with dogs as much as she wants! She adopted Sally, a 3 year old hound mix, in 2017 and is loving life as a pet parent.

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70 Comments on "Is Healthy Paws The Best Pet Insurance?"

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Romanie Baines.
Romanie Baines.
I’m feeling rather disappointed with Healthy Paws. 2 weeks ago I received an email notification from them advising me of a rate increase. I’ve had their insurance for my 5.5 years old, 8lb. Chihuahua mix, rescue dog for 2 years now. We have never had a single claim. When I called Healthy Paws customer service to ask them why was my monthly charge going up, I was told that it was because of the increase in the price of veterinary care where I live. I live in Manhattan, NYC. and it certainly is not an inexpensive place for anything, however… Read more »
The Healthy Paws Team
The Healthy Paws Team
Romanie – We’re sorry that your customer service experience did not meet our high standards. Due to the increasing cost of new technology and advances in veterinary care, rates will increase each year in most states (this is your first increase in 2 years). These annual increases provide you the opportunity to offer your pet the best medical and diagnostic options available today. Rest assured, we will never penalize you with higher rates for making claims. All pet insurance companies, no matter how they market their benefits, will raise rates periodically to keep up with the rapidly rising cost of… Read more »
Rescue dog lover
Rescue dog lover
******DO NOT go to them if you have rescue animals!!!!******** Originally I got an email from them upon claim submission that they need all medical record AFTER, let me repeat, AFTER my dog joined our family. I even called and made sure I have nothing else missing. My dog is a rescue we adopted him 6 months ago. The first occasion to a vet was a month ago with the symptom on the claim. Now they sent me this on email: “A pet….ON THE DATE OF ENROLLMENT must have undergone a COMPLETE clinical examination. ” If I can’t provide this,… Read more »
The Healthy Paws Team
The Healthy Paws Team
We are glad you have a place in your home for your rescue . Healthy Paws makes every effort to be transparent throughout our website and in the policy documents about the need for medical records. We request a pet’s medical records at the time of their first claim instead of requiring them at the time of enrollment. We use those medical records and notes written by the attending veterinarian to determine if there are any pre-existing conditions which would keep us from approving a claim. We realize that those pets can have limited health records and will work with… Read more »
BeagleMom
BeagleMom

Did everyone else who commented on this article get an e-mail from Healthy Paws Pet Insurance? I did. Now I know that Canine Journal gave them my e-mail address and this article is a mere advertisement.

Kathleen
Kathleen

Does anyone have a link for a detail outline of their policy?

If you are charged for a $75 x-ray does HeathyPaws pay the full amount but 80%? Or do they say we feel 65 is fair value price and then deduct 80% and pay you that?

Kathleen
Kathleen

Do they pay what they see fit and then 80% for that. For example if a x-ray is $75 and they think in the insurance mind that $60 is a reasonable cost and then 80% of that they pay you after the deducatble?

The Healthy Paws Team
The Healthy Paws Team

Reimbursements are based on your actual veterinary bill. We determine the total of the covered treatments and provide reimbursement based on the deductible and reimbursement level chosen at enrollment.

Kathleen
Kathleen

If you sign up when you first get your puppy lets say nine weeks old and keep them on plan for the life of your pet, would there be pre-existing conditions? That brings me to my other question should you wait the 15 days after you get the puppy and on the 16th day take your puppy in for its first vet visit? Is there a option to pay annually and if so is there a discount?

Chiweenie Parent
Chiweenie Parent
I purchased Healthy Paws pet insurance when I adopted a Chihuahua mix last year, and it has been a mixed bag. I really wish I had read the lengthy list of policy exclusions more carefully, since it is far more extensive than I realized. I knew preventive care and exam fees were not covered, but believed that medications and procedures generally would be. However his anxiety medication is excluded because it is considered to be for behavioral change, and his tooth extractions were excluded as well because it is associated with dental disease. The way they count your progress toward… Read more »
The Healthy Paws Team
The Healthy Paws Team
We would like to provide a more detailed response to your review, but we could not find an account in our system with the information in your review profile, so we’ll reply to your issues the best we can We make every effort to be transparent throughout our website, during the enrollment process and in the policy documents available to each client in their online Healthy Paws account regarding the limited exclusions of our policy. Those exclusions are pre-existing conditions, preventative/routine care and the office visit fee (veterinary exam fee). Anyone visiting our website can see this information on our… Read more »
Kendrick
Kendrick
I have a question regarding monthly premium payments – is it common for them to go up each year? I purchased my pet’s policy when he was 6 months old and assumed I’d locked in a certain rate based on signing up at an early age, rather than waiting until he was 2 (sort of like a life insurance policy). Today I received an email saying his policy is going up $4/month beginning in 60 days. I can handle $4/month but am now wondering if it’s going to climb higher as he ages? It’s possible I read this in the… Read more »
Stephanie Skees
Stephanie Skees

Healthy Paws has been fabulous!  I have two yorkshire terriers and Healthy Paws covered most expense when they each unexpectedly got sick! Recently, when little Mac was sick, they immediately covered all expected expenses from his initial office visit (including testing and procedures), to his emergency surgery through his followups. Mr Weiss from Healthy Paws even called to check up on him a few weeks later. Such nice people and amazing service!

Monique
Monique
I just don’t know where to begin. This company is frankly awesome! I began researching pet insurance companies after adopting a lab mix a few years ago. Sadly, she was very ill when I adopted her and wasn’t insurable but the interaction that I had with the Healthy Paw people during this time made up my mind that I would insure my next pet. A couple of years ago, I rescued a German Shorthair Pointer and did get her insured with Healthy Paws. You can imagine with active dogs like Pointers, vet visits can be frequent. Each of my interactions… Read more »
Colby
Colby
I have two French Bulldogs and when I got the second one I didn’t even hesitate signing her up immediately for Healthypaws. My oldest Frenchie, Wilbur, tore his ACL recently (common for the breed) and the total cost of the surgery and rehab was over $4,500 dollars. With our deductible being $250 I was then reimbursed 90% of what I paid. My dogs are family members and instead of having to worry about how I was going to afford the surgery because of Healthypaws I could focus 100% on Wilbur and his recovery. The amount of weight lifted off of… Read more »
Patty Redemeyer
Patty Redemeyer

Healthy paws is the best insurance for my Golden Lacey. They have paid on many claims for Lacey promptly Customer service is great. Premiums are lower, and my vet submits my claims for me.Their are less restrictions on what they pay for. One of her recent claims was over $1900.00 and Healthy paws paid 90% minus vet’s exam. Lacey will be insured for life by Healthy paws.

Bridget Shenk
Bridget Shenk
WORST pet insurance, do not waste your money!! We had this lousy insurance company for a year. Our dogs are healthy but since I had a cat die suddenly after a very expensive visit to an ER, I thought I had better insure our dogs. We paid a little over $100 a month premium. Our deductible was $250 with 80% coverage. What a nightmare. First of all, office visits are not covered nor included in your deductible. So…a trip to the vet to examine the dog’s itchy red ears costs $60 office visit, and $22 for the ointment/antibiotic. Turn in… Read more »
Melissa
Melissa

What is the name of the company you changed too? We want to check it out too!

Maryann H.
Maryann H.

May I ask the name of the great company that you found for only $10 more a month that covers office visits without question? Have you had a subsequent instance of ear infection & did the new company cover it?

The Healthy Paws Team
The Healthy Paws Team
Bridget, As a company, we value our client’s input, good or bad. We regret that you were not satisfied with our plan and customer service. Unfortunately, we cannot find your account in our system with any degree of certainty using the name you provided in your review, so we’ll reply to your issues the best we can. We do our best to be transparent throughout our website, during the enrollment process and in the policy documents available to each client in their online Healthy Paws account regarding the limited exclusions of our policy. Those exclusions are pre-existing conditions, preventative/routine care… Read more »
Michelle
Michelle

FYI – all comments on this site are from readers. Our review of Healthy Paws is genuine, independent, and based on our unbiased review process. You can read more about our review process here – https://www.caninejournal.com/our-review-process/

Cece Chen
Cece Chen
I had the insurance policy for one month, 80% coverage with hundred dollar deductible. I knew that their effective eligibility date was 15 days from signing up, but they did not say that that begins the day after you sign up. So about two weeks after he signed up, after I thought he passed the waiting period, he had some diarrhea, so I took him to the vet and had him seen, $300 charge. I had to wait two weeks to get an answer on my claim from Healthy Paws, and they said that he was not covered because his… Read more »
Tim - The Healthy Paws Team
Tim - The Healthy Paws Team
It is always difficult for us to deny a claim for one of our pet parents. We use a pet’s medical records and notes written by the attending veterinarian to determine if there are any pre-existing conditions which would keep us from approving a claim. Our policy is to request those records when a client files their first claim. It is part of our process to follow up with a client when there is missing information needed to process a claim and we apologize that it took longer than usual to get those records from your veterinarian. As you stated… Read more »
Jenny
Jenny
I can’t say enough about how amazing Healthy Paws is! They are always super friendly, fast, and very helpful! The only negative comments I ever see about Healthy Paws are related to pre-existing conditions! What is wrong with you people!?!? You can’t have an issue with your pet’s health, and THEN decide you want to get insurance coverage for that issue. They state VERY clearly that pre-existing conditions (or, from what I understand, anything related to pre-existing conditions) are not covered! I have had to file many claims for my 2 year old Pittie, and have NEVER been denied, and… Read more »
JEN SHERMAN
JEN SHERMAN
I have had Healthy Paws for my 2 dogs for just about 2 years. I have a 2 year old German Shepherd and a 1 Year old Treeing Walker Coon Hound. I have not had any issues with my German Shepherd but my Coon Hound was just diagnosed with Malignant Melanoma. I called them and not only were they fast and efficient but they were kind, considerate, and empathetic. They approved his claim for the coverage that I expected and purchased, they reviewed everything with me and addressed all of my concerns. They even worked with my vet to do… Read more »
Ronald Zigmund
Ronald Zigmund

The Best Company Ever! My dod Grace has been sick and I have spent thousands of dollars for her care to get 90% back is aawesome. I couldn’t have given her the care without this insurance. Thank you healthy Paws… I highly recommend you to my friends and family – Feb 7, 2017

Patrick herbert
Patrick herbert
I highly recommend Healthy Paws. I signed up a year or so ago for my Bernese Mountain Dog, who unfortunately just passed from cancer. HP was super responsive and communicative, was quick to review my claims and payment was prompt. Everything that I expected to be covered was covered. When my pup passed, they send me a very kind email expressing their regrets and retroactively cancelled my policy, including a credit back. No one ever wants to go through that type of ordeal with a fuzzy member of the family, but when life hands you that card it’s really nice… Read more »
Daphne Wang
Daphne Wang
Pet parents please be aware- stay away from healthy paws. Every claim we have filed has been denied due to pre-existing condition!! Do you know that allergy is a pre-existing condition? Think of us human-being, we all have some type of allergies but does our health insurance denies coverage because of allergy? Not to mention that they try to link every sickness my dog has had due to allergy!! Bleeding paws, bug bites, you name it!! NOTHING IS COVERED Because EVERYTHING IS DUE TO ALLERGY!!! Did your claims representative get trained as a vet?? If not, please DO NOT diagnose… Read more »
Bridget Shenk
Bridget Shenk
Same thing here Daphne. This fly-by-night company wants all past records of a pet – ALL of them. I sent records for our dog and then Healthy Paws denied a claim for an ear infection because he had been treated for an ear infection 3 years earlier!! They called it a “chronic” condition! Also, when at the vet for a checkup, a small lump was found on our dog’s neck, and the vet thinks it needs to be removed. It was a new cyst/lump. Well, this half-ass insurance company saw that he had a small lump near his ear two… Read more »
Lisa
Lisa

“Think of us human-being, we all have some type of allergies but does our health insurance denies coverage because of allergy?” Before the ACA that used to happen all the time.

Tim - The Healthy Paws Team
Tim - The Healthy Paws Team
Daphne – Unfortunately, pet insurance does not work like human health insurance. We do our best to be transparent throughout our website, during the enrollment process and in the policy documents available to each client in their online Healthy Paws account regarding the limited exclusions of our policy. Those exclusions are pre-existing conditions, preventative/routine care and the office visit fee (veterinary exam fee). Anyone visiting our website can see this information on our “Benefits, Coverage and Exclusions” page. Our pet insurance protects you against future conditions, and unfortunately, the majority of pet insurance companies will not cover pre-existing conditions. We’re… Read more »
Gary Allen
Gary Allen

Tim I am about to start insurance on MoMo my cat. He has been to a vet several times and has a new client exam as well. He is age 3 and healthy and active. Am I good to go? Thanks…Gary Allen JJ /Cale The Charlie Daniels Band)

Tim - The Healthy Paws Team
Tim - The Healthy Paws Team

Gary,

It sounds as though your pet has visited your favorite veterinarian within our guidelines. Answer the question below to see if you need to do anything special:

For pets younger than six years old, have you seen your veterinarian within the past 12 months? If yes, there is nothing more that you need to do to enroll.

Shauna Carpenter Kruse
Shauna Carpenter Kruse

I have got to comment! I have had healthy paws insurance for my dog Bella for 2.5 years and had nothing but a great experience! They paid out at 90% after my $100 deductible every time! I pay $34 a month. No hassle, no extra charges, just straight forward. I submit my claims with their app, which takes seconds, and hear back within a week through the app email. Then a check shows up in the mail. What scam folks! What bait and switch! Pretty mysterious unless you didn’t understand the process and coverage. 5+++ stars for healthy paws!

Liz

How is it possible to have such a low monthly payment? the quote on my 10 week old puppy with the same 90% and $100 deductible will cost me $47!

BeagleMom
BeagleMom

Depends on breed and size, and apparently your location enters into it, because vet fees vary by region.

Alli Chung Tice
Alli Chung Tice

I am wondering if things like apoquel, allergy testing, allergy shots and prescription omega 3 fatty acids would be covered? Yes, my vet has already prescribed the apoquel and the omega fatty acids for my lab. I am assuming that the allergy is a pre-existing condition but does that mean the the prescription meds will also not be covered?

Sadie Cornelius
Admin
Sadie Cornelius

Alli, unfortunately if the pet has already been treated, then it is a pre-existing condition and will not be covered by ANY pet insurance company. But if you go ahead and sign up now than any future meds or other conditions listed above will be covered!

George Chiang
George Chiang
RIPOFF! I’ve been paying this policy religiously for two pets for several years. They’ve made thousands off of me. When one of my pets needed surgery, I had to fork out thousands. The process took a ridiculously long time and I was only reimbursed less than 15% of what I had to spend. So if I had to spend $10,000, I was reimbursed less than $1500. This charge couldn’t be included. That charge can’t be included! I worked hard for the money I paid to them to make sure my pets were covered. And when a crisis hit, I feel… Read more »
Healthy Paws Customer Care
Healthy Paws Customer Care
We apologize that it took longer than usual to process your claims. All claim decisions are based off of your pet’s medical records and it took a few attempts on our part to have your veterinarian fax them to us. In regards to your claims, they were all covered by your policy according to deductible and reimbursement level you chose at enrollment. As with any policy that includes a deductible, the deductible has to be met before any reimbursements are made. In your case, your initial claim was covered, but went towards your deductible. The other claim covered the balance… Read more »
Arlene Howard
Arlene Howard
September 2016 I’d like to know why Michael wrote that Healthy Paws is covering his dog’s vet prescribed supplements, when my vet prescribed supplement claims have been rejected – saying that they only cover FDA regulated medications? My dog has seen a very well respected holistic vet (also allopathic-ally licensed) since she was a puppy and she has only been to a regular vet on a few occasions in her life, including in the last few months since she was diagnosed as having a heart murmur. My holistic vet prescribed her the supplements and the heart surgeon agreed with her… Read more »
Tim warnke
Tim warnke

Your first mistake was not having your pet cared for by a real world vetenarian from the beginning and throughout the life of your pet. Seems you go to the real deal when you know real medical attention is needed. Your holistic Hocus pocus is BS and seems you know that as well. Hopefully you don’t make the same idioctc choices for your own health. An educated guess you drive a suburu or worse a Volvo.

Get Some Common Sense
Get Some Common Sense
so, for your 600 dollars per month, you should get 25000 in coverage every year? Where do they draw the line, is it just for you, or do they do that for every one, if they go by your business model, the company does not exist because it is not profitable. People who view pet insurance as human health insurance are completely mental. I get pet insurance for the extreme situations, where I can afford to shell out 25k but really do not want to, and I believe 99% of others feel the same way. If you cannot afford routine… Read more »
Michael
Michael
June, 2015 I insured my pit bull, Scratch, with Healthy Paws (HP) for 90% reimbursement, less $250.00 deductible. Last December 2015, Scratch ripped her cruciate ligament. She required surgery and physical therapy. Healthy Paws delivered: On average I receive reimbursement (by snail mail) within 10 days after claim approval. Oh man, HP makes it so easy to submit claims! Immediately after receiving statement of services and associated costs, I usually submit claims at provider’s premises. HP promptly sends notification upon claim approval (or if they require additional information). Their customer support is just perfect: patient and–this is rare–empathic. Some advice:… Read more »
James Moon
James Moon
I have a small puggle that I adopted a few months ago. Being a responsible pet parent, I did my research online, and properly did my research on pet insurance. Unfortunately, I was led to believe that Healthy Paws Insurance was an industry leader; this is not true, as evident during my two months with the company. I spoke with Hillary from Healthy Paws today, whom did not have a single clue regarding their policies, nor did she understand that what she said had huge implications of collusion on their company. The policy will NOT COVER ANYTHING THAT A DOCTOR… Read more »
kradcliffe
kradcliffe

Completely agree, and I had the same experience as a responsible pet owner. Their sales website and process is deceptive, as is the welcome email. This is more a premium collection agency than an insurance company. I lost hundreds of dollars in premiums because of their deceptive language and practice.

Stay away from Healthy Paws!

Healthy Paws Customer Care
Healthy Paws Customer Care
James, We’re sorry you were not satisfied with your phone conversation and emails from our Customer Care Team. We work very hard to be transparent with how our policy works so that our pet parents have a good understanding of our coverage. Anyone can find specific policy information and a sample copy of our policy on our website in the FAQ section: https://www.healthypawspetinsurance.com/Frequent-Questions Our policy covers the treatments of any new accidents or illnesses that present after the policy waiting periods. The treatments that are covered by your Healthy Paws Policy are: – Diagnostic testing such as blood-work, x-rays, ultrasounds,… Read more »
Beth
Beth
Healthy Paws was a complete waste of money for my dog and their customer service team is awful. I signed up last May and didn’t file a claim until this year when I took my dog to the vet- the claim wouldn’t have met the deductible entirely but rather than paying at all, they claimed both things she was seen for were preexisting. Their insurance would only be useful if you get a puppy or a dog with no previous veterinarian records of any kind. My vet recommended I cancel the insurance and I did. They didn’t respond to 2… Read more »
kradcliffe
kradcliffe

I had exactly the same experience, with several obvious tests showing up in their exclusions. Nothing covered, nothing counted toward the deductible. They can say with snark “It’s clearly listed”, but everything that you would imagine as routine and normal is not actually covered. Stay away!

Healthy Paws Customer Care
Healthy Paws Customer Care
Beth, We’re never happy when we have to deny a claim for one of our clients. Healthy Paws makes every effort to be transparent throughout our website, during the enrollment process and in the policy documents available to each client in their online Healthy Paws account regarding the limited exclusions of our policy. Those exclusions are pre-existing conditions, preventative/routine care and the office visit fee (veterinary exam fee). Anyone visiting our website can see this information on our “Benefits, Coverage and Exclusions” page. Our pet insurance protects you against future conditions, and unfortunately, no pet insurance company can cover pre-existing… Read more »
Ronnie Wayne Myers
Ronnie Wayne Myers

I am a healthy paws customer, and to be quite honest, a huge fan of their service. They went out of their way to make sure my oversized claim was handled with as worry free as they possibly could. They contacted my previous vet, and the animal hospital my dog was at currently, and coordinated a direct pay almost instantly. I was so impressed by their speed and their kindness.

Their words to me, “…go to your meeting, and let us handle this for you. Then you can focus on picking up your baby”.

Chris
Chris
Great information on this site! Looking to insure our next puppy. I especially like Healthy Paws’ unlimited lifetime benefits and annual (not condition annual) deductibles. Concerning the statement: “Puppies can be enrolled as early as 8 weeks old and can be covered until their 14th birthday.” Does that mean Healthy Paws does not insure dogs beyond 14 years of age? Concerning the statement: “Pets 8 years and older receive a 70% reimbursement level and $500 annual deductible without the other options due to increased risk of accidents or illness with age.” Does that mean lower reimbursement and/or higher deductible values… Read more »
Kimberly Alt
Kimberly Alt

Ok just heard back from Healthy Paws! Here’s what they said:
The maximum coverage of 70%/$500 is only for pets that are enrolled after their 8th birthday. If enrolled prior to turning 8, all coverage options are available and will not be reduced just because your pet turns 8. Please note that if you look to change your pet’s coverage after their 8th birthday, you will be subject to those restrictions.

Kimberly Alt
Kimberly Alt
Great questions Chris. With Healthy Paws, if you enroll your pet before he/she is 14 then he/she is covered for life (or as long as you have a Healthy Paws plan). However, you cannot enroll your pet after they’ve reached 14 years old. Regarding your other question, if you enroll your pet after he/she has turned 8 years old then the only option is a 70% reimbursement with a $500 deductible. However, I’m not positive if it will change if your pet is enrolled before his/her 8th birthday. I want to make sure I’m giving you accurate information so I… Read more »
Chris
Chris

Thank you for taking the time to dig into this … and to confirm Healthy Paws’ coverage!

Rachael
Rachael
Healthy Paws was the best decision we ever made when it came to our dog. He got diagnosed with immune mediated hemolytic anemia at the age of 4. 🙁 He needed so many medications, tests, x rays, ultrasounds, nights in the emergency vet, etc. We did all we could for him and we were able to because of this insurance. Unfortunately, he passed away about a month ago, but knowing that we did everything we possibly could helps me sleep a little better at night. And not having those thousands of dollars in bills helps too. We just got another… Read more »
Kimberly Alt
Kimberly Alt

I’m so sorry for your loss Rachael. I’m glad Healthy Paws could help you care for your dog while he was still with us. Best of luck with your new pup and again, I’m so sorry for your loss.

S
This insurance is nightmare. It is a classic bait and switch, where they don’t tell you about additional fee until AFTER you sign up. They charge a “one time setup fee” which is a BS charge designed simply for them to make money. They never state this during the enrollment process (or if they do it is a small print scam) and I saw it only after I received confirmation e-mail (below)Effective Date: 11/4/2015•Monthly Premium: $70.50•Billing Day: 3A one-time $25.00 policy setup fee was applied to your first payment. I called customer service to cancel and Haley was ready with… Read more »
Elizabeth Deems
Elizabeth Deems

Oh please. You are going to whine about a $25.00 application fee? Really? And you will cancel insurance over that?

Healthy Paws Customer Care
Healthy Paws Customer Care
Transparency is very important to us at Healthy Paws. The $25 policy setup fee is clearly presented on the final step of the enrollment process. We then also include that information on the enrollment email. We certainly do not want any of our customers to be surprised by the setup fee. Regarding others pet insurance companies that have fees, Petplan states on their website that they charge service fees for monthly and quarterly payments. http://www.gopetplan.com/faqs/petplan-payment-questions. Other companies all have their own charges and policies. We share this only to show that we are sharing information that is accurate and truthful.… Read more »
John
John
Read the FINE PRINT! I can’t stress this enough. It does not matter what their rep tells you over the phone. You MUST get it in writing. Also, their requirement that you provide full medical records within x amount of time of enrolling is confusing. When I called after enrolling and receiving the email, the rep said this wasn’t needed. Later they’ll tell you it’s in their FAQ. Is that the right place for it? Maybe their reps should know too. For a year they’ve collected my monthly payment and a few hundred dollars in deductible this year. What did… Read more »
kradcliffe
kradcliffe

Yes, exactly the same. I’ve lost hundreds of dollars to Healthy Paws as well. The sales/marketing is deceptive and only in the fine print can you see that most expected normal care is not actually covered nor does it even count against the deductible! Stay away!

Healthy Paws Customer Care
Healthy Paws Customer Care

Healthy Paws makes every effort to be transparent throughout our website and in the policy documents about the need for medical records. We request a pet’s medical records at the time of their first claim instead of requiring them at the time of enrollment. We use those medical records and notes written by the attending veterinarian to determine if there are any pre-existing conditions which would keep us from approving a claim.

Jeff L
Jeff L
Getting Healthy Paws was by far the best decision that I ever made for my dog. She came down with a heart murmer, congestive heart failure and bleeding ulcer all within a few years. This insurance was literally a life saver. I switched from a different insurance company that jacked up my rates 18% in one year and my dog was 9 years old at the time. The rates were pretty reasonable considering we had 90% coverage after a $100 deductible. I never had a claim that I didn’t have a check in the mail in less than a week… Read more »
Michelle Enebo
Michelle Enebo
We have Healthy Paws pet insurance for both our cat and dog. Last year our cat got so sick that we thought we were going to lose her and she was only two years old. So many tests had to be run and medications administered and she had to stay at the vet for many nights. The total bill was over $1,800 and we paid less than $300. I love that we didn’t have to make a decision between good care for our pet and making ends meet. We would have had for forgo many of those tests without insurance.
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