Healthy Paws | Pet Insurance Review

My wife and I recently lost our 9 month kitten to feline infectious peritonitis. We had recently purchased Healthy Paws insurance from a recommendation and took our kitten in to the vet during the Healthy Paws 15 day grace period because she had an eye infection. Silly us for trying to take care of our cat. After the grace period had passed, our kitten began to show very worrying symptoms unrelated to her eye. Over the course of the next few days, we took her back to the vet, and then escalated to emergency hospitals, etc. But FIP is incurable, and we were unfortunately not able to save her. After many tears, we started filing claims with Healthy Paws. Despite the pain of losing the kitten, my wife and I were glad that we had recently bought insurance. But it turned out that didn't matter. Even though the vet had not initially linked the eye infection to FIP, Healthy Paws decided that it was evidence of a pre-existing condition and denied every single one of our claims related to our kitten's illness and death. They said they were very sympathetic to our loss, but still denied the claims. No doubt Healthy Paws will respond to this review with all kinds of excuses. But the fact is that as responsible pet-parents we took our kitten to the vet for a minor eye infection during the Healthy Paws grace period and Healthy Paws decided that was enough to deny all claims. We would have been in a much better situation if we were irresponsible and just let our kitten suffer the eye infection until the grace period was over. Then Healthy Paws couldn't have claims a pre-existing condition. My take-home is that Healthy Paws is a great idea if your pet gets physically injured and they can't find a shred of evidence that the injury has any historical basis. God help you if your pet gets a disease of some kind, even one that's fatal.

I am not someone who typically writes reviews; but, Healthy Paws is such an amazing company that I want to shout it from the rooftops! I rescued a kitten, Murphy, last summer, and knew that veterinary care was part of being a responsible pet owner. As a graduate student, my income in very limited. Thus, I started researching pet insurance companies almost immediately. After thorough research, I settled on Healthy Paws because: (1) Premiums cannot be raised based on how many claims you submit, (2) There is no lifetime limit on coverage (this is especially important given the lifespan of cats), (3) You can visit ANY veterinarian you want (including specialists) and be reimbursed based on your specific bill... Not predisposed charges set by the insurance company, and (4) It's also a foundation that helps homeless pets. I chose the $100 annual deductible with 90% reimbursement. Signing up was incredibly easy, and my monthly payment is so reasonable for the comprehensive coverage being offered. Now, I will admit that there was a part of me that felt like Healthy Paws might be too good to be true. In the back of my mind I always wondered if, come the day I actually needed to use the insurance, my claim would be denied based on some loophole I was unaware of. Well, fast forward to about six months into our policy. We noticed Murphy had stopped eating, and new he needed to be taken to a veterinarian immediately. I checked Healthy Paws' iPhone app, which has an incredibly transparent and helpful FAQ section, while I was in the waiting room to ensure that everything regarding this visit would be covered. Murphy had to be hospitalized overnight, and several diagnostic tests and medications were administered. All in all, Murphy's visit cost $1200.00. At checkout, I asked for an itemized receipt and uploaded it to Healthy Paws' iPhone app for reimbursement. To my amazement, the claim was processed and approved LESS THAN 24 HOURS later. Healthy Paws literally covered every service from the second they took Murphy back from the exam room. I received the reimbursement check in the mail in about 4 days, and the sweetest follow-up email from Healthy Paws' customer service department checking on Murphy. This company's integrity and customer service is TOP NOTCH. I can't convey the peace of mind this policy gives me; I know now that I will be able to provide Murphy with the best veterinary care for the rest of his life without having to compromise on his treatments or worry a

Healthy Paws response time is unbelievable. No sooner do I make my claim but I get an email acknowledging such. A day later or less I get a notice that my claim has been processed and completed. At that point I can see how much my check will be. Since I know the particulars of my policy, it never differs from my estimate. I have a $100 ANNUAL DEDUCTIBLE with a 90% co-insurance plan. It is reasonably priced compared to other programs including ones offered by my veterinarian. My vet actually now sends in my claim directly from their office to speed up the process. However, I can make the claim myself from my cell phone or just scan it in and make it on-line. The staff is great. If you have a question they have an immediate polite, friendly answer. They are not doing you a favor by answering the phone.

Have had my dog covered for just over a year. Recently had to be hospitalized for unknown illness attacking his liver and kidneys. Bills about $6,000. I filed several online claims and every one was processed within a week. Reimbursement of costs was "as advertised", no problems whatsoever. I highly recommend Healthy Paws, it provides peace of mind during a difficult time.

We decided to look into insurance when we adopted our sweet puppy Shay a year ago- she is a lab and we knew the risks for hip dysplasia that comes with this great breed. We didn’t want to have to make a hard decision years down the road if she needed a hip replacement- which can cost upwards of $10,000. We did our research and found that Healthy Paws was the best option- low monthly costs, good coverage, and no lifetime ceiling. Over the last year Shay has suffered from frequent UTIs and almost every month we were visiting the vet- since we had insurance I never once had to pause when the vet suggested we run a test or suggested a treatment plan. That peace of mind allowed us to hone in on the cause and finally get her the surgery she needed to be healthy and pain free made this difficult situation so much easier. Her surgery was covered and we were able to rest easy knowing we were able to make the best decision for her without breaking the bank. The Healthy Paws claim process is incredibly easy, and claim approval is quick. Getting Healthy Paws pet insurance was one of the best decisions we could have made when adopting Shay.