Healthy Paws | Pet Insurance Review

First, in our wildest dreams, could not have imagined how expensive our vet bills would our first 1+ year of dog ownership. Pet health insurance is one of the best financial decisions we have ever made.I can not compare Healthy Paws to other pet insurers because this is our first time using such a service, but I have to say that our past and present human insurance providers could learn a lot from this company! Here is my experience: When I signed up I chose a $250 deductible and 20% co-pay. It turns out the higher premiums associated with a lower deductible and co-pay would have already paid for themselves, but I had no idea our 2-year-old dog would need multiple surgeries in rapid succession! In any case, we've been grateful for the coverage we do have. Our husky has had three surgeries related to the human equivalent of torn ACLs. I have the Healthy Paws app on my phone. Finding a claim is ridiculously simple. Before I even leave the vet's office, I open the app, select "submit a claim," take a photo (in-app) of the itemized bill, and hit "submit." By email, I've gotten basically four types of communication in response. 1. Claim submission confirmation. (Immediately?) 2. Notice that claim is being processed (within a day or two). 3. Notice that claim has been approved and (if applicable) that a reimbursement check is being mailed. (Within a few days, although I think the first one took longer, probably while they determined if the condition was pre-existing, since we had so recently purchased the insurance). 4. A kind, personalized follow-up inquiry about our dog's recovery. That's it. It's been unbelievable to me! We have a large family and are big-time health insurance users and it is not uncommon for us to get EOBs and bills for services six months or more after a service date. And we often have to spend hours on the phone with the providers and our insurance company trying to sort out who pays what. I don't know if there are cheaper or better pet insurers out there, but I'm not even interested in finding out. We are so grateful to Healthy Paws for their efficient, professional, and compassionate service model that we look forward to a long relationship with them.

I tell everyone how fortunate I am to have healthy paws and how responsive your efforts on our behalf have been.  Having this policy has been paramount to me coping with such a prolonged and worrisome challenge.  I am truly grateful!

After paying out-of-pocket for knee surgery on a 1-year-old cat, my wife and I determined it would be a good idea to get pet insurance for our little guy. We talked with our vet and read reviews online, and the same 4-5 providers kept coming up. After scouring reviews and running some projected numbers, we decided to go with Healthy Paws. Flash forward about two years later, and Carl needs the same surgery on his *other* knee. Having never submitted any claims before, we were nervous about the process. We didn't know how quickly everything would be processed, how much would be excluded, and what the experience would be. I'm happy to say that we could not be more thrilled by our experience with Healthy Paws! Filing claims could not be easier, and they have been handled quickly (same day in many cases), communication has been clear and proactive, often with the same representatives (Heather and Tyson have been great!). Getting a personal note from Tim asking how Carl was doing really put the experience at a 10. We've never felt this good about an insurance company before, not even close! We have absolutely no reservations about strongly recommending Healthy Paws to anyone who is considering insurance for their pet.

I have 2 dogs insured with healthy paws. One has unfortunately had health issues over the last 2 years. Healthy Paws has made it easier for us to deal with the burden of many surgeries. Not only are they kind and caring, they are efficient in handling the claims so you can get reimbursed in a timely fashion. We are very fortunate to have chosen H.P. for our insurance carrier.

We have never had pet insurance with any of our other dogs. This was a first at the insistence of our pet sitter. So thankful because Bella who is 1 1/2 years old had to have major leg surgery and the cost was appx 5,300.00! Far beyond what we could afford. Healthy paws made the experience easy and every time I called they were so very kind. Not only that but I literally took a picture of the vet invoice and 4 days later, with no questions asked, we had approval for a Healthy Paws payment of 90% of the bill. Thankful just does not seem like a strong enough word!