Healthy Paws | Pet Insurance Review

I have two insurance's one for my older Pug, Healthy Paws and one for my younger pug, Embrace. When I first got the insurance, my Vet faxed over my medical records to each insurance company. Embrace immediately let me know what was covered and what wasn't due to preexisting conditions and I had no issues filing claims and getting reimbursed. I heard nothing from Healthy Paws, and thought everything was fine and continued making my payments, about 4 months into coverage I make my first claim, first they tell me they don't have all his records, even though I know they did because they referenced a vet that they would only know I went to previously because it was in my current vet's notes, so after going back and forth with them for a few weeks about the vet records, they get back to me and tell me that because my dog was overweight they wouldn't cover a thyroid test, because it's considered a pre-existing condition. First of all my pug has never had a thyroid test before and tested negative for any thyroid issues, so how is that a preexisting condition? I also feel like it's a real stretch to say that being overweight in the past is a reason not to cover a thyroid test. I also think it's it's interesting that they had no problem taking my money for several months without having all the information they needed to ensure appropriate coverage. I cancelled immediately and wish I could put my older pug with Embrace, but they have an age cap, so I will be looking elsewhere. Buyer Beware.

After two dogs whose medical bills drained all our savings, we decided to invest in an insurance policy for our current baby, Charlie (with the secret hope we'd never have to actually make any claim - right? Spend the money and then nothing will happen - MENTAL insurance . . . ) Unfortunately, (and this was just 5 months into our policy) our pup didn't get the memo on not kissing toads and became violently ill, requiring emergency treatment in the middle of the night - BIG $$$. So for the first time we contacted Healthy Paws to submit a claim - to be honest, not really sure what to expect: grief? fine print exclusions?... To our amazement, not only was submitting our (online) claim clear and simple but we immediately got a "processing" response, everything promised was paid QUICKLY and best of all, we received a PERSONAL email asking how our Charlie was doing!!! Our vet doesn't even do that! So Healthy Paws, every penny we send you is WORTH IT and we will recommend you without hesitation. Thank you for the outstanding customer service.

We signed up with Healthy Paws and my husband was not thrilled with us paying $64/month for something he did not believe in. In July we took our Boxer to O.S.U. for knee surgery. Healthy paws has a yearly deductible, not per incident deductible. They paid 80% of our expenses minus the deductible and $140 for xrays. So our $3,065 out of pocket was reduced to $975.00. Very happy with the speed of their responses and processing time and reimbursement. My husband is a believer now!

Reggie was a very sick boy with a bad internal infection of some sort,and ended up having to see 3 different Vets to figure out exactly what was wrong with him. Being this was my first claim It was a challenge for me to get the the correct documentation needed to settle the claim. Throughout the entire process,every person that I came in contact with at Healthy Paws was friendly and helpful. The end result was that the claim was settled quickly and efficiently and the check was in the mail. I would highly recommend this company for your pet family!

This is the first pet insurance company that we ever purchased. We were concerned with the health needs of our little dog, a shih tzu named Suki. She is healthy and pure bred. She was 9 months old when we adopted her. I did the research and found that HealthyPaws was exactly what we needed. I especially liked the no lifetime cap. The annual deductible was reasonable as well as the monthy premiums. We were hoping for a very long life with our beloved Suki. We've had her for a little over a year now and this insurance saved her life. The major concern now is bees and her severe allergy to them. She has been treated several times to help her recover from being stung including an episode of anaphylactic shock. HealthyPaws has added a terrific free app which I downloaded with my iPhone. Now I take a picture of the invoice from my vet and send in the claim via the app. So fast and easy! No claim forms to deal with. Just last week Suki needed surgery for bilateral entropion. HealthyPaws paid 90% of the cost and best part is we got the check within a week!! We are so grateful that there is a top quality pet insurance available to pet lovers.