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, it donates money to a homeless pet in need. Healthy Paws will continue covering your pet if you are unable to care for them or if you die. This is extremely rare in the industry and we think it’s awesome!

Visit Healthy Paws Website

Article Overview

How Does It Work?

After you pay for your dog’s treatment at the vet, use the mobile app (download the iOS app for free via this link or the Android app here) to take a photo of your itemized vet invoice to submit your claim instantly. If you prefer pencil and paper, there is a claim form that you can print out and complete as well. Healthy Paws will process your claim and send you a reimbursement check.

Key Features

  • Underwriter: ACE Property & Casualty (Chubb)
    • A.M. Best rating: A++
  • Exam period:
    • Dog less than 6-years-old must have visited the vet within the last 12 months or within 15 days of policy issuance
    • Dogs older than 6-years-old must have been to the vet within the last 30 days or within 15 days of policy issuance
  • Pre-existing conditions defined by Healthy Paws:
    • a. illness or the recurrence of any illness or condition which first occurred or displayed any signs and/or symptoms consistent with the stated illness or condition prior to the pet policy effective date;
    • b. an injury or recurrence of an injury that occurred prior to the pet policy effective date;
    • or c. any condition or complication resulting from an illness or injury that occurred prior to the pet policy effective date 
  • Has one bi-lateral exclusion: pre-existing cruciate ligament problems to one leg as respects to the cost of future treatment for problems of the other leg
  • 99% of claims are processed within 2 days (reimbursement checks are generally issued within 24 hours of processing)
  • Policyholders can opt for direct deposit instead of a hard copy check
  • Option to pay vets directly, so you don’t have to pay a hefty vet bill in advance and wait for reimbursement (not available everywhere)
  • Will continue coverage for a pet if the pet parent becomes unable to care for the pet or dies. This works by transferring the policy to someone else without a lapse in coverage. The new policyholder will pay the same amount and there will be no newly added pre-existing conditions.
  • No waiting periods in Maryland or New Hampshire
  • 30-day free look period (similar to a money back guarantee)

Healthy Paws Review

4.65
Healthy Paws Review
Policy Coverage 4.3
Customer Service & Reputation 4.8
Timeliness of Claim Payment 4.8
Price of Policy 4.8

Pros

  • Annual deductible (not per incident)
  • Unlimited lifetime coverage so no annual or per incident limits on claims
  • Pricing is generally the best value vs competition
  • 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
  • BBB rating: A+
  • Great email response time
  • Good CCL (ACL) coverage
  • Direct deposit or check reimbursement

Cons

  • Veterinary exam fee and behavioral therapies are not covered
  • Excludes hip dysplasia in animals enrolled after age 6, so this might not be the best option for large breeds that are older than 6. There is also a 12 month waiting period.
  • There are age restrictions (if pet is older than 6 you must have vet exam within past 30 days for enrollment or within 15 days of policy issuance)
  • Pets older than 8-years-old are restricted to 60% reimbursement and a $750 annual deductible
  • 15-day waiting period for accident and illness
  • No wellness plan
  • Charges a one time $25 fee

Services Covered By Healthy Paws

Here is a list of services that HealthyPaws covers and does not cover (as of April 2018). Services included are not limited to this list and are subject to change.

CoveredNot Covered
SurgeriesPre-existing conditions
HospitalizationAnal gland expression
CancerVaccinations, titer test, flea control, heartworm medication, de-worming, nail trim, grooming
Prescription medicationsDental health care (injury to teeth caused by accident is covered)
Diagnostic treatment and testing (x-rays, blood tests, ultrasounds, etc.)Spay/neuter procedures
AccidentsVeterinary exam fees
IllnessesPre-existing cruciate ligament problems to one leg as respects the cost of future treatment for problems of the other leg
Congenital conditionsParasite control including internal and external parasites
Hereditary conditions
Chronic conditions
Specialty Care
Emergency care
Alternative treatment

Coupon Code

Use this link and you will automatically receive up to a 10% discount. The actual discount varies based on individual state regulations. 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.

Healthy Paws has some restrictions on the reimbursement and annual deductible amounts for your pet depending on the age at enrollment.

  • Dogs and cats 5-years and under:
    • 90%, 80% and 70% reimbursement
    • $100, $250 and $500 deductible
  • Dogs and cats 6 and 7-years-old:
    • 80%, 70% or 60% reimbursement
    • $250, $500 or $750 deductible
  • Dogs 8-years and older: 
    • 60% reimbursement
    • $750 deductible

Below is a table showing examples of quotes from Healthy Paws. You can put your pet’s information directly into its 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
(zip code: 33601)
Illinois
(zip code: 60290)
California
(zip code: 90001)
New York
(zip code: 10001)
New York
(zip code: 10001)
Florida
(zip code: 33601)
Washington D.C.
(zip code: 20001)
Price Per Month$38.84$53.08$57.84$55.55$31.55$28.02$19.30
Reimbursement Level80%60%90%80%80%80%80%
Annual Deductible$200$750$500$250$250$200$250

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 Healthy Paws pet insurance before the age of 6 for you to take advantage of this coverage. Healthy Paws DOES NOT cover hip dysplasia for dogs who are enrolled after the age of 6.

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. 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.

Waiting Periods

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

We have had policies for both of our dogs for a few years with HealthyPaws and they have never failed us. We just filed multiple claims for our 9-year-old rescue mix that totaled over $2,100 and they paid them quickly and without any fuss. I recommend this company to anyone with a beloved fur-baby. It is better to have pet insurance from a reliable company and not need it than chance it when the time comes that you do need it. We will remain loyal customers because HealthyPaws stayed true to their word when we needed the policy most. – Monica B., BBB 4/17/2018

This was my first experience with pet insurance, and after meticulous research I chose Healthy Paws. And I’m so glad I did!! My very special cat needed surgery for the second time in a month. (I’m still mad at him.) I enrolled him in pet insurance right after his first surgery, and I’m so glad I did. 2 weeks after his waiting period ended, he needed surgery again. I maxed out my care credit with this second surgery but then needed it for my own dental care. So I called to request my claim be expedited. Ryan answered the phone and he was so warm and friendly. He even asked how my cat was doing! Then he asked me to submit some documents and told me he would follow up immediately. And he did!! I uploaded the documents and got a call shortly after saying he’s processed the claim and I should get a confirmation of benefits on that same day, if not the next morning!! I was SO impressed!! All this happened within a short span of an hour! My other 2 cats are also on healthy paws and I know they’re well protected with this amazing company!! Thank you Ryan for your prompt service and your caring attitude! – Lydia P., Yelp 3/18/2018

Baxter’s Story

Cancer is the highest disease-related cause of death for pets each year making up almost 50% of the total. 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

BEWARE outrageous policy increases every year. Typical insurance company will lure you in with an affordable option that will quickly turn into an outrageous expense. You are better off banking the money into a savings account that relying on them. The language from their website reads “your rates will increase slightly each year. These manageable annual increases” – If you consider 15% per year “slight” or “manageable” then maybe it’s for you, but when you’re paying $100 month, and will still be out of pocket a considerable amount for anything major, you really should ask yourself if it’s worth it. – Todd M., BBB 4/24/2018

Horrible customer service and in general horrible policies. It is absolutely worth the extra $10 a month to go with any other insurance agency other than this one. We were a member for about 2 months when we submitted our first claim. Our puppy had been peeing in our office and we wanted to bring her in to make sure it wasn’t a medical related issue before signing her up for training lessons. My mother called and made the appointment and they did a urinary test which ran us around $300.  After 12 days of waiting for our claim to be processed, I emailed Healthypaws about when our claim would be reviewed.  No response. About 4 days later I emailed again about our claim.  Again no response.  Then I finally called after roughly 18 days had passed and they began to process our claim that day.  3 hours after I called in to request they review our claim, I get an email saying our claim was denied. When I asked why, they said there was a note on my dogs health records stating that we were bringing her in to check for recurring UTI’s and since she had had two over the last year they were considering it a pre existing condition and would not pay. When I spoke with my vet they let me know that the note on our medical records were actually just notes the receptionist jotted down from a conversation she had had with my mother about the vet visit.  I told healthypaws that these were just notes and not a diagnosis and was not the real reason we brought our dog to the vet. Healthypaws then told me verbatim “The official diagnosis does not affect coverage for a claim. Your own testimony regarding your pet’s health is taken into account when determining the start of signs and symptoms, since you know your pet best.” Apparently I have no need for a vet anymore since my mothers diagnosis means more than a vets.  Good to know! In conclusion, if you want a company that isn’t trying to gauge you of your money and takes weeks to tell you your claim is denied after taking 3 hours to review – find a different agency. – Leah M., Yelp 2/12/2018

What Are Your Healthy Paws Reviews?

Have you 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 Best 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 and her husband adopted Sally, a four-year-old hound mix, in early 2017, and she has brought so much joy into their lives. Life as pet parents has been very rewarding.

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Michelle
This is the best company I have ever had for pet insurance!! Not only do they respond quickly to my questions, they pay promptly and always have a very caring attitude!! We love Healthy Paws and have been with them for almost 10 years. As a very selective breeder of Golden Retrievers, I refer all our new puppy families to Healthy Paws and I always get very positive feedback from everyone!
Joe
We have been with Healthy Paws for five years now and they are simply amazing. Having this coverage has allowed us to provide levels of care to three different dogs that we wouldn’t have been able to do financially otherwise. Today’s veterinary hospitals have much of the same capabilities and equipment that human hospitals do. However, it is scary how quickly things add up when you need care. Years ago we ended up having to make somewhat financially-based decisions for two of our other dogs and we decided then “never again”. I cannot describe how great it is to be able to walk into the emergency vet, or more recently, specialists’ offices knowing that Healthy Paws has our babies covered. Our 7-month-old labradoodle developed a strange mass on the roof of his mouth at 12 weeks. We realized we were in for a bit of a roller coaster ride when it started baffling our very experienced family vets. The ride continued after three separate opinions by some of the country’s most experienced veterinary minds. Just being able to seek multiple “second” opinions knowing Healthy Paws would have our backs was more than worth the premiums. Then we were told to get a CT scan at an oncologist’s office. That estimate alone came it at over $2,300. I’m happy to say the Healty Paws reimbursement hit my back account today covering almost $2,000 of that. So far, we are over $3,000 into our little guy’s case it’s only been diagnostic so far – meaning no treatment has actually begun. We are maybe $500 out of pocket on that total, making all of this possible. We are currently scheduled for surgery with the best doggie dentist in town in a couple of weeks to finally get this removed and get him healed up. We know Healthy Paws will be there for us through it all and I just can’t say enough good about them!
Holly
After a scary incident, Healthy Paws sent me an email to check up on Ellie’s progress. They have really helped tremendously. It’s tough when you adopt bulldogs, or any breed, that were rescued from puppy mills as you don’t know the health conditions you may encounter. Ellie is the first dog that I decided to look into insurance for as my others were seniors when I adopted them so I didn’t think it was an option. She seemed healthy with no obvious issues early on but we’ve had a couple scares in the 9 or so months I’ve had her. Having insurance makes the decision to give her the best care that much easier. I would never NOT do everything I can for my dogs but I’m thankful to not be maxing out my credit cards to do it now.
In short, I’m glad I did my research and went with Health Paws 🙂
Wong
totally understand, just found out they increased my premium around 25% after annual review. my pet is still in the middle age, and never file a claim. they just want the money, and they increased whatever they want to. when I called, no clear explanation about the increase.
Tim
Wong – Unfortunately, we cannot find your account in our system with any degree of certainty using the limited information you provided in your review, but we’ll reply to your issue the best we can.

We understand this increase was larger than normal. Our management team works hard to keep your premiums as low as possible, but there continues to be an overall increase in the frequency of high-value treatments such as anterior cruciate ligament surgeries, cancer treatments including chemotherapy, and foreign body exploratory surgeries performed by veterinarians that ranged anywhere from $3,000-$16,000 in cost. Due to these increasing costs of new technology and advances in veterinary care, rates were adjusted. These 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 to keep up with the rapidly rising cost of veterinary care. We do our best to be transparent regarding annual premium increases by including this information on the “Frequently Asked Questions” page of our website.

Mike
Very disappointing insurance = seems like Its only good if your pet doesn’t require specialist visits, treatments and consultations as that is not covered and is in the 100s of dollars each time, they just cover meds and tests , finding out before i signed up would be nice as it turns out i would be better off just putting 50 dollars a month in a cup at my house and would have come out ahead so far – i guess the racket is you wont read the very fine print
Tim
Mike – We regret that you are not satisfied with our plan. 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. Anyone visiting our website can see this information on our “Benefits, Coverage and Exclusions” page. By making the office visit fee (vet exam, emergency exam, recheck or consultation) part of the pet parent’s financial responsibility, it allows us to offer a complete accident and illness plan at an affordable monthly premium. Our policyholders value comprehensive accident/illness coverage and unlimited benefits at reasonable rates, which is why they choose to assume the responsibility of paying for those costs.

In regards to our coverage, if a pet needs treatment for an accident or illness, and it’s not a pre-existing condition, they’re covered. This includes x-rays, blood tests, ultrasounds, surgery, hospitalization, prescription medicines, etc. and any reimbursement is based on the deductible/reimbursement level a client chooses at the time of enrollment.

The Healthy Paws Team

Aimie B
For years, I tried to determine whether pet insurance was worth it and if so, which company to go with. And, now, I’m singing from the mountain tops that Healthy Paws is one of the best decisions I’ve ever made! For the last 2.5 years, we’ve been overjoyed with their customer service, responsiveness and ease of submitting claims. Even our old dog has sterling coverage that just recently saved his life as he was in and out of the hospital. Today, he is curled up at my feet snoring thanks to Healthy Paws. I cannot say enough good things about this company; they truly prioritize your furry family above all else.
Joe Tesoro
Healthy paws is a top notch company and came through when our dog Mabel ate a squeaker toy. My wife and I are so relieved that she’s safe and happy. Healthy paws has got us through the whole ordeal taking the cost of any medical procedure to help her out of the equation. We were able to make sure she got the best possible care. Paid the claims fast and it’s cut and dry with no confusion for the consumer. Thank you!
Dr. Eileen Fatcheric
My 8 year old lab Rebel has been insured by Healthy Paws since he was 5 years old. Last year he had some neck and back issues and Healthy Paws covered all his chiropractic appointments!
Recently, I found a mass in his mouth. It turned out to be cancer. Melanoma. He has had 3 surgeries and is currently under the continuing care of Cornell Oncology. Healthy Paws has been fabulous throughout this entire ordeal. Invoices are super easy to submit, they keep in touch with you while you’re waiting for your claim to be approved which happens really fast, and reimbursement comes in the form of a check in the mail without delay. They have not disputed a single fee and have been very kind as far as asking how Rebel is doing too!
I am a practicing small animal veterinarian in Syracuse, NY. I elect to have pet insurance for my pets as there is so much advanced specialty care available for pets now, and I want to make sure my pets can get everything they need when it becomes necessary. Thanks to Healthy Paws I’ve been able to focus on making the best medical decisions for Rebel without having to even think about how much things cost, let alone ask.
I researched all the pet insurance companies before making my choice. I have been extremely pleased with Healthy Paws and I recommend them without reservation to any pet owner. I encourage all my clients to consider getting pet insurance while their pets are young, without preexisting conditions. After my recent experience, I will be happily recommending Healthy Paws. They have been absolutely wonderful.
Robert DiPietro
Beware of HEFTY annual premium increases. Mine has gone from $38 in 2014 to $60 now. I haven’t moved or changed vets.
Tim
Robert – We understand that premium increases can be a stress financially. Our goal is to keep our premiums as low as possible while still providing comprehensive coverage. New technology, advancements in veterinary treatments, and overall claim costs are taken into consideration when assessing our rates. We have recently seen a rise in high value claims due to an increase in the availability and cost of veterinary services. This premium adjustment ensures we can continue to provide comprehensive coverage for your pet should an unexpected illness or injury occur.

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 to keep up with the rapidly rising cost of veterinary care. We do our best to be transparent regarding annual premium increases by including this information on the “frequently Asked Questions” page of our website

We understand that no one likes any form of premium increase not matter how much it is, but our competitors premiums are historically higher overall than your premium with Healthy Paws. We’d be more than happy to send you these comparisons from the other leading pet insurance companies based on what your current deductible and reimbursement level. Just contact our customer care team and ask to have a price comparison emailed to you. Give Jake a big hug for us!

The Healthy Paws Team

Brittany
My pets have been covered by Health Paws for over 6 years. I never exceeded my annual deductible until about three years ago for one of my pet. I have spent months researching different insurances and I even tried the wellness plan from Bansfield prior to covering my pets with Healthy Paws. I decided that it is much more affordable to pay for the wellness care myself versus paying for illness, emergencies that can run into thousands of dollars. For me, wellness care expenses are much more stable and predictable versus accidents and illness. I do hope they will cover spay and neuter one day because we need to fix the epidemic of homeless pets.

The downside to Healthy Paws coverage is: they do not cover dental care and chiropractor and vet office visits. I am more than happy to pay vet office visit because I consider it a co-pay and I can predict how much it will cost versus medical care costs. It is not a problem for me. However, the dental care in my area is at least 1500. If your area offers non-anesthesia dental cleaning, it is much more affordable if your dog has the right temperament.

They have been awesome to my pet who has had several emergencies and requires ongoing medical care. They have not given me any issues with coverage. There was only one time there was a minor misunderstanding. It was easily resolved with further clarification from the vet in writing and references to our earlier conversations about my pet’s pre-existing documentation. For those of you who want to get a policy with healthy paws, I recommend you to have your pets medical record reviewed upon enrollment and have a conversation to make sure you know exactly what is covered and what is not covered so there are no surprises or any disappointment down the road.

I also read in the article that dogs over 8 is only covered up to 60% with 750 annual deductibles. I am not sure if that is accurate because my dog is 13.5 years old and her policy has not changed for over 6 years except for some increase in premiums ( I don’t like it, but not enough to end the plan). I really hope the article is not correct about older dogs coverage. It will hurt older dogs from being adopted into a good home and their chances to have good golden years.

I tell everyone to get their pets insured and they will be grateful they did! It might feel pointless for a few years until you really need it and you will be grateful they are covered! Thank you Healthy Paws for being good to us!

Susan Smith
Our 10 month old puppy, Leo was recently diagnosed with a very serious condition requiring him to have surgery on his skull and spine. Within 24 hours of submitting our claim, we had an answer regarding our coverage. Within a few days, we received our payment. During a very stressful time for our family, Healthy Paws helped alleviate some of our worries with kindness and efficiency. I highly recommend Healthy Paws for your pet’s medical insurance!!
Joe Stuetelberg
Healthy Paws is absolutely the best. Amok has had a few pretty costly medical expenses including the Bloat surgery he just had. They have never given me a hard time on anything and reimbursed in 2 days on claims of all shapes and sizes. I highly recommend looking into them if you haven’t already. They have been a literal life saver.
Dina
So far Healthy Paws has not covered any medical bills. I am seriously doubting it is worth it.
Tim
Dina – As a company, we value our client’s input, good or bad. We regret that you are not satisfied with our plan. Unfortunately, we cannot find your account in our system with any degree of certainty using the limited information in your post. We would really like to know more about your concerns. If you’re interested in sharing some details, please contact us at 855-898-8991 and ask to speak to a Customer Liaison Manager.
LRowe
I have had a horrible experience with Healthy paws. They repeatedly asked for medical records that were already sent to them twice or more. They never processed a claim or communicated what was going on but when I would call and ask them did they receive everything they needed they said oh yes we have everything then they would do nothing, this happened 3 times! Now they have denied the claim for what sounds like a different dogs symptoms. Run don’t walk from these people!
Tim
Linda,

The records we received from your veterinarian did include your pet’s name and date of birth, which matched the information you entered when you enrolled your pet and where identical to the records you recently sent to us.

We apologize for the delay in the processing your claim. All claim decisions are based off of your pet’s medical records and the signs/symptoms that are noted by your veterinarian. 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. As you stated in your review, we did receive your pet’s records, but our team had contacted you in regards to earlier records from another hospital your pet had been to. Once you clarified that there were no more records, we were able to process your claim. Unfortunately, since your pet’s condition was noted prior to enrollment and therefore a pre-existing condition, we could not provide coverage. We’re sorry to lose you as a client and hope you and your pet stay well.

The Healthy Paws Team

Dorothy
I have a cat that acts more like a dog! My 12 year old tuxedo cat was recently diagnosed with Feline lower urinary tract disease (FLUTD). His treatment included catheterization to clear his bladder, numerous vet visits, blood and urine tests, frequent monitoring at the Vet’s office and 2 weeks of meds for after care at home. I submitted all the bills for his treatment using the HealthyPaws app, which is amazingly easy to use. My claim was reviewed and approved the next day and the funds were in my account within days.

HealthyPaws understands how stressful it is to have a sick pet and worry about the cost of care. The monthly premium I have paid is well worth the peace of mind it gives me.

Lynnette M Frary
I love Healthy Paws!!! They have the best customer service, they have never denied any services needed for my pup (soon to be two) and he’s had a bunch of minor problems, but they’ve never given me any problem. I normally get reimbursed within two weeks of claim submission.

I used a different insurer for my other dog, and they canceled her after a bait and switch scheme, but unfortunately she’s un-insurable with Healthy Paws due to allergies, otherwise she’d be hooked up too.

Kimber Bear
Oakley, my 65 pound lab mix, had an unfortunate condition called patella luxation in both knees that he was diagnosed with when he was 1. Although it’s not a completely uncommon condition, its pretty unusual in larger dogs. The vet explained if Oakley did not have the surgery, due to his size, he would be quite miserable when he got older as he would develop arthritis, likely be bow-legged and his knees might slip out of their grooves permanently. I was forewarned the cost of the surgery, hospitalization, medications, X-Rays, exams, IV’s, etc. would total about $3,000 per surgery. Since he was covered through Healthy Paws, having the surgeries was a no brainer. I had already chosen the plan with the $200 annual deductible which would cover 90% of covered expenses. Healthy Paws was true to their word. For example, one of my most costly individual statements was $2,487.81. After my $200 deductible, I received a check within days, no hassles, no questions asked, for $2.039.03. This is the least stressed I’ve ever been about a pet’s health as I know that now I can afford to take care of him and still pay my electric bill. One of the best investments I’ve ever made!
Kathleen
Healthy paws has been fantastic to deal with! Their customer service is wonderful. My 4 legger needed to have an extensive leg surgery. They covered everything other than my deductible and kept in email contact with me the whole time. I even got a follow up email asking how my dog was feeling and recovering. I don’t have human children so my little 4 legger is my son, and I truly feel like healthy paws understands that. They show compassion and respect, as well as enthusiasm and knowledge in every communication I’ve had with them. I would highly recommend!
KIM WILSON
This is a great company! When we got our puppies 6 years ago I was thinking I should get insurance but was afraid the whole claim process would be too complicated. However, with two puppies I figured chances were good it would come in handy. So glad I chose Health paws. I was able to pick a plan to fit my needs and budget. The claim process is so easy. I just scan/email the invoice and they let me know within a few days the claim status and I have a check a few days after that. Also they truly care about my girls. I get informative email newsletters with tips that can keep my girls out of harms way and stay healthy.
Donna
This company is awesome!! They truly care about you and your pet… they process claims as quick as 3 days from submission and paid within 5 days of that… their staff is friendly, kind, concerned for your pet and many have talked me through tears when my baby girl was sick. The plan i have is VERY affordable. And the best out there.. i’ve had them for over 5 years and they will always be my pet insurer. Great company!!!
Deborah Ketchen
When I got my dachshund I did the research on the different insurances out there and finally decided on Healthy Paws because of their reviews and their coverage. My friends and family thought I was silly for getting insurance on a dog….but I had a dachshund and they had a history of having IVDD. Last week my dog became paralyzed. I brought him to the nearest neurosurgeon and he underwent surgery. I contacted Healthy Paws and they told me not to be worried about my coverage a andbd to concentrate on my dog. I even received texts from them inquiring on his health. He is 5 days post op and his claim has been paid. I have never been treated so well.This is the best money I have ever spent.
Brett
Amazing pet insurance. I recommend them to friends and family. They check in on ourdog when they noticed she was having a lot of medical care. They handle the claims quickly and easily–with no issues. They were easy to contact and cared about the dog’s health just as much as they did paying us back their portion of the claim. i would highly recommend them to anyone
Michelle
Before signing up for Healthy Paws, I did some pretty careful research on Pet Insurance to try to find the best insurance for my Papillion. I had previously purchased pet insurance for our other dog, a Chihuahua, and was disappointed with the coverage. I realized choosing the best pet insurance for my Papillion from Day 1 would be advantageous so I would not be stuck with “pre existing” conditions if I chose to switch insurance down the road.
Nearly four years went by before I needed to utilize my pet insurance from our Papillion. I had been traveling abroad and while I was gone, my Papillion had swallowed a foreign body and it became lodged in her small intestines. At the same time, her stomach had also filled with fluid. She needed emergency surgery to have this foreign body removed, and a nasogastric tube was placed to empty the fluid that had built up in her stomach.
I submitted my claim to Healthy Paws for my dog’s extensive and expensive surgery, plus after care in the ICU. Given my past experience with other pet insurance for my Chihuahua, I was not really expecting any reimbursement. However, within a week, Healthy Paws had issued a claim reimbursement check and covered everything exactly as spelled out in my plan. I feel very fortunate that my Papillion has made a full recovery and that Healthy Paws fulfilled their commitment to pay reimbursement for my claim. Thank you Healthy Paws.
sharon
When we got our little Dewey, someone mentioned that we may want to look into getting pet insurance because small dogs can have accidents. Well Healthy Paws Pet Insurance had one of the highest rankings, so I went with them, never dreaming we would need it.
But our little fella did indeed have an issue with one of his legs and required quite an extensive surgery to fix it. Healthy Paws put us at ease immediately, with the assurance that the surgery would be covered.
But it goes way beyond that, the people at Healthy Paws were so concerned about Dewey and always asked how he was doing. Even two weeks after his surgery and we had received our check, they were so kind to send an email checking to see how he was doing. Who does that anymore? Well Healthy Paws Insurance people do, they genuinely take their job serious and they know how important our fur babies are to us.
They are even fur baby owners themselves.
If you want great and affordable worry free coverage for your babies, look no further.
Sincerely,
Dewey’s Mom
Dani
Getting my dog was the best decision I have ever made. Choosing Healthy Paws was the next best decision!! I’m so thankful that I chose Healthy Paws. They have been amazing. They have a great app which you can easily submit your claims through. They keep you posted on the progress of your claim, and the turn around time has always been quick. Their customer service is EXCEPTIONAL! They even sent me a follow up email to ask me how my dog was feeling after her surgery. I highly recommend Healthy Paws