Healthy Paws | Pet Insurance Review

Healthy Paws is the reason that my dog is alive, period. I adopted a Lab/Pit mutt named Bagel when he was four months old. Sadly, when bagel was 4y.o. he became paralyzed from the waist down due to degenerative disc disease. The cost of surgery was $12,000.00 and it worked... until six months later it happened again. The vet told me his odds of survival were low and I decided to do the surgery anyway, another $12,000.00. This time... it worked. I'm so glad I made that choice. Bagel was doing fantastic for two years and now my poor sweet dog at the young age of 7y.o. has a brain tumor. He obviously has the worst luck. Ending your dog's life is something you know you will have to do at some point but certainly not at 4 years old, and hopefully not at 7 years old. I decided to do radiation for Bagel and he is now recovering. Radiation was $20,000.00. Needless to say without Healthy Paws' contribution I could have never afforded all of these huge ticket treatments. I submit my recent claims to healthy paws on a Tuesday and I had an approval Wednesday with money back in my bank on Thursday. No questions asked.... just a follow up e-mail from them asking how Bagel is doing with treatment. I couldn't recommend a better insurance company and if you have a dog these days it's absolutely necessary.

Healthy Paws has been a great pet insurance company to work with.

This is the worst insurance company ever. They consider an ear infection a preexisting condition. How is an infection preexisting? The people who work for them essentially just read a script. The phone system disconnects callers about 1/3 of the time and the other times the employee just hangs up if they don't know how to answer a question. I am cancelling this plan and going back to the insurance I had before. I have about 80 e -mails from this outfit all saying the same thing. "They want more info". Even when all records were sent 3 times but they continuously lost them. Oh, and then suddenly were able to find them in the fax que. Do not use this company. Go to almost any other provider.

I have had HP for several years. All of our claims have been quite small - so they are quick. & days ago submitted 3 claims. $208, $5400, $268. So they applied the $208 to deductible. The $268 was missing a digit on the receipt. THey refused to process the $5400 claim until they had the CORRECT receipt number! They were not even related! Vet was out sick and I could't get a reprint for 2 weeks. So I asked for HP to close that claim and process the $5400 - nope refused to! TYPICAL INSURANCE COMPANY! Hang on to the funds as long as possible! But get your funds for premiums immediately! FIND ANOTHER COMPANY! NO LONGER A good insrance co!

After over 5 months of providing claim information and follow ups with this outfit I can honestly say that this plan is terrible. They do not have internal operations to provide customer service. Their personnel are poorly trained if at all and they put any disease into a preexisting condition category. As an RN I am familiar with preexisting conditions. An ear ache is not something that can be preexisting since it can be a year or more between inflammatory outbreaks. Do NOT waste your money on this company. Put the premium dollar aside to pay for vet bills or go with another insurance. This one sucks eggs.