Healthy Paws | Pet Insurance Review

We signed up for Health Paws Insurance coverage when we first got our puppy not thinking we would need the coverage until he was much older. As it turned out, our poor Border collie started limping and was subsequently diagnosed with Bi-Lateral OCD in both shoulders requiring surgery to correct the problem. Health Paws has been wonderful in every respect! The claims were very simple to file, the processing time was very short and the payment prompt. The agents we talked with were all very friendly, empathetic and helpful. I have no hesitation in highly recommending Healthy Paws Insurance to anybody that is looking for pet insurance.

We had Healthy Paws for a couple of years before our first claim, which was for major abdominal surgery for our sweet female greyhound. The customer service team was great about working with us, our local small-town vet, and the university hospital to which we were referred for surgery. We had one small hiccup where an initial blood screen was not covered because the billing code at my vet ("wellness screen") made it look like a preventative screening. Healthy Paws customer service was very understanding when I called to tell them it was done in response to symptoms of the dog's illness. After a quick fax from my vet clarifying the purpose of the blood work, they re-processed my claim and it came back covered. We had no surprises as far as coverage - everything was exactly as the Healthy Paws website states and our reimbursement matched up with the plan we pay for. The customer service team reached out to me several times after my initial call to follow up and check in - they even checked in to see how our dog was doing after all the claims had processed. The whole experience made us so grateful to have pet insurance - we'll definitely maintain it for our greyhound and any future dogs we own. Based on this experience, we'll be sticking with Healthy Paws.

Healthy Paws pays promptly and without a fuss; sometimes a claim is submitted by email and approved the same day. They generally don't require an explanation of services from the vet, just a bill and a brief description of the condition from the pet owner. And most importantly, there are no defined limits as to payment. They pay 90% of the amount submitted after the deductible, less the office visit--nice and simple. About as good as you can get from pet insurance.

My pet had a massive ear infection in both ears and a bad allergy. You wouldn't know because he seemed fine. I filed all of my claims eve though they were over a month old and the ladies I spoke with were so wonderful and nice to speak with. They put the claims in and on the same day they were processed and completed. One was not so I called the next day and she processed and completed while I was on the phone with them. They have pets too so they know how it is to be a pet parent.

Gracie, our 8 month old Labrador retriever ingested pieces of a toy designed for "Extreme Chewers". After several days of not feeling well, her symptoms got worse early one morning. We took her to our vet's 24-hour emergency room fearing an obstruction. After the initial exam, our vet presented us with a course of action, including imaging, with an estimated total treatment cost of over $1,000 (only to climb higher if surgery were needed). Confident in our coverage with Healthy Paws, at a time when our puppy wasn't feeling well and needed medical treatment right away, we were able to focus 100% on her care instead of worrying about the cost of treatment. Without hesitation we authorized her course of treatment. I'm happy to report that she's back to her normal, crazy, puppy self. Processing the claim couldn't have been easier: I snapped a photo of the vet bill with my phone and submitted the claim via the app. Even with the holiday weekend, we had our check in less than a week. Thanks again for the peace of mind! With just this once claim, the premiums for Gracie's policy have paid for themselves for the next 18 months!