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When you needed it, HP is there. Always paid promptly and according to plan. Even the $5300 for bloat surgery was paid as usual. Hip dysplasia and arthritis are being covered. Some alternative treatments are allowed. Premium increase has been normal. I really have no complaints. I am now taking out in payments more than I am paying in premiums.
Healthy Paws has excellent customer service, honest service, and clear definitions to what is covered in their policy. I would highly recommend them to anyone looking for pet insurance. They have been honest and even sent me a check back due to a billing error I did not even catch. The turnaround time for their claim payments has been extremely quick.
I cannot say it loud enough, AVOID THIS COMPANY. They are dishonest and have zero integrity. We got a letter in early January that in 90 days they would nearly double our monthly rate due to the fact that our dog was a large breed, we’ve never made a single claim, never late on payments. Surprise, they raised our rate in the end of January! Without letting us know! When I tried to call them to talk about it, they offered no options to keep me as a customer, and I was put on hold for a total of 35 minutes. I’m sure they just wanted me to hang up. I wanted an explanation as to why they raised our rate before the 90 day period, and I just got an email saying, the “state that you live in makes certain requirements, we have to follow”... Total nonsense. AVOID THIS COMPANY. Thank God we never had to make a claim, I’m sure they would have treated us with the same grace they did here. Awful.
I've had Healthy Paws pet insurance for my dog for 3 years. He was 9 months old when I obtained the insurance. The premiums have increased as follows: Year 1: 15.03%, Year 2: 18.93%, Year 3: 24.28%. At this rate by the time my dog is 10 his monthly premiums would be $313.32! According to their website: "Due to the increasing cost of new technology and advances in veterinary and specialty care, your rates will increase slightly to align with the claim payouts of each state. These manageable annual increases provide you the opportunity to offer your pet the best medical and diagnostic options available today." I DO NOT consider a yearly increase of 24.28% to be slight or manageable.
I have since had other experiences with this company which show quality of care and support. Thank you.
Unless your dog is at the end stages of life or at the beginning and has thousands of dollars worth of vet bills, this insurance is truly terrible! We have 3 dogs and each has his own deductible; we have paid monthly for years, and never meet those deductibles, so, we're paying for this insurance in case of emergency, but, never seeing any payment in return. I know this is because the monthly costs are low compared to pet insurance that costs $100+/month for 1 dog. I would not recommend this insurance to anyone who has a dog/dogs who are in good health or well-behaved.
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The BEST decision I ever made was to insure my Havanese with Healthy Paws. I shopped for months before Jesse came to me. I don't even think Jesse was even born yet while I was shopping :), because I knew my next companion would have health insurance. Like yourself, I read reviews and I wanted to be sure I found the right Insurance company to insure Jesse's health through his years and it had to be the best. I feel everyone in Healthy Paws are awesome and I appreciate all they do to help me help Jesse!! They have been always there every time no matter. I have been a client since 2011 and OH! How time does fly!! Through the years starting with the help from customer services, they are always there when I needed a shoulder with there sincere comfort.
I have been blessed with Healthy Paws Insurance caring for my dear loving companion Jesse. You will be blessed as Jess and I have been. Open your heart and Insure your babe with Healthy Paws Insurance and see it for yourself. Don't take anyone's negative or positive remarks, you just have to be a part of the Healthy Paws family to see the sincerity from the start for yourself. Just like us, our babies need to have health Insurance and Healthy Paws has the best plans ever that are the most affordable with the great customer services. It starts from the beginning and you will be satisfied at the end. Good Luck with your decision and I hope my review gave you contentment with your choices. Thank you so much for being a part of mine and Jesse's family Healthy Paws!! God Bless you.
My dog has had multiple surgeries and hospitalization for several several severe conditions. Healthy Paws has paid out over $50,000 in claims without question or delay. My initial monthly premium in 2016 was about $30 and has only gone up to $34 per month even after paying all of the claims. The increase is nothing in comparison to what they have paid. My dog, who is only 4 years old would not be alive today if I did not have pet insurance as the total expense would be too much for my budget. Healthy Paws is not only the best pet insurance company but they are the best overall insurance company of any kind as they paid what they said they would and then they did not "jack-up" my premium. I cannot say enough good things about Healthy Paws!
I am a new pet mom and I enrolled to Healthy Paws insurance for my first cat. Their statement was unclear for me so I make sure I called to clarify before I making any decision. For applying, putting claim, and cancel services, I asked their customer services before I took action. I confirmed if I can try to see if the insurance cover what I need and withdraw services within 30 days. I was told yes once “there is no claim.” I applied. My claim was denied which I understand it was not success claim.
I called within 30 days and confirm if I would get refund, YES, I confirmed because I was not sure if the claim count. Again, I was told yes I would get refund. Thus, I made decision. Cancelled and thinking maybe apply it after I have all prevention exam done since nothing would cover during period of time. However, after I cancelled, I did not receive the refund, so I call and was told there was no fund for me and they pull out written statement which was what I confused about and CALL to clarify. Regardless all the miscommunication about definition for claim, I have asked very specifically about the result but was giving a people pleasing answer but not true. It was not bit amount of money but the whole process make me feel they are foolish customers and earning the payment by writing confusing statement and hiding important information. Not honest business. This is my first complaint review in my life because it really piss off.
My ragdoll kitten ended up having cryptorchidism. I purchased the policy way before this ever became an issue however, due to the veterinarian putting down that his testicles had not descended (which is perfectly normal at 2 months old), Healthy Paws used that as an excuse to not pay for his surgery. They called it a "pre-existing condition"! When I attempted to fight this, Healthy Paws representatives made it come off as if I was being ridiculous and was only after the $. This type of surgery typically costs $1,000 + dollars and keep in mind under Healthy Paws' "policy", Cryptorchidism is categorized as a hereditary issue - which should be covered according to their ads.
This company will look for any reason not to pay out what they advertise! Everything under the sun could potentially be considered a "pre-existing condition". If your cat has the sniffles one day and ends up with lung cancer - that's not paid for because of the "pre-existing condition" OR if your kitten has ear mites and later down the road develops a tumor - somehow, Healthy Paws will also categorize that as a "pre-existing condition". Absolute BS!!! I'm switching to ASPCA pet insurance!
I have been waiting SIXTEEN days since my paperwork was submitted for reimbursement. I MIGHT get it on 11/20. My dog and I are almost out of food and I only have gas for one trip somewhere. The Vet sent the paperwork, but not the invoice. HP sat on my claim for ONE week until I borrowed a phone and called them. They now offer DD but don't tell you that it takes 3-5 Business Days on their end. I could have gotten a check 3 days sooner. Doesn't seem long but when the food is being rationed and your little dog doesn't understand why she is hungry and hasn't left the house for a park in 9 days, it really hurts me DEEPLY. She is my child!!!
I applied for insurance for my (at the time) 3-month-old female Bullmastiff. In October I took her in for a spay and Prophylactic Gastropexy. I didn't think they would cover, but there wasn't anything on their site that said they would or wouldn't. They wouldn't cover it which was fine. I understood that. But they sent me a notice saying I registered my dog as a large mixed breed. When I called them and told them I registered her as a Bullmastiff, they said I did not. I asked them to see the copy of the registration and they refused. I filled out the form on their website and I never received a copy of anything in email or regular mail. I cancelled the insurance because for a full breed dog they wanted double the price I was first quoted.
I told them since this was an error on their part, I wanted a refund for the amount that I paid them. They refused and said it was my mistake. When they answered my reviews before they always say I'm contesting the claim I filed. I AM NOT! I'm only contesting their claim that I was the one that made the error. If I did make the error, they should have sent me the sign-up form that I filled out. I filed a claim through the BBB, but HealthyPaws refused to return my money. The BBB told me I would have to file a lawsuit if I wanted to take it further. I wouldn't recommend this company to anyone.
Healthy Paws checked on my dog Gracie, she’s going through cancer treatment. It’s so hard to watch her go through this she doesn’t understand. They say her blood work looks good and hopefully I'll have lots more time with her. I can’t imagine my day without her. She waits by the door every morning to go to work with me. The other dogs run to the kitchen for food, but not her she just patiently sits by the door waiting to go with me. I have no idea why. I'm not usually popular with some people, I've never been a natural beauty, but to her, I'm her world.
I’ve been paying on pet insurance a long time, sometimes I would wonder if I was being stumped. And for years I never needed it, I would think from time to time about canceling it but, I knew if a real emergency came up I would need it. I thought if I was ever in an emergency room with my dog I wouldn’t want to have to euthanize because I didn’t have the money. Then I worried about them finding an excuse after all of these years of paying to not pay or help with a claim when it came down to it.
When I called them about my dog having cancer, I really thought negative... That there’s is no way this company is really going to come through. If they weren’t going to help I for sure can not afford this, but I can’t let my best friend down she deserves a chance. Healthy Paws shocked me and helped give me hope for my precious Gracie. They have paid all of her bills minus the deductible. Thank the good Lord I kept this policy and that they are actually an incredible company. I’m still wondering if it’s too good to be true...
I sent in receipts for my 4 Siamese cats. I called numerous times to see if they were processed. All I was given was the same story. "We only received receipts for two cats". I called again. They said, "We only received a receipt for one cat". Are you that unorganized. How is that possible when they were all neatly, professionally put together and sent to you. Now as of today November 8, 2018 your rep Shelly tells me, "Well if you cancel the policy we can't pay you." Well you have not paid me anyway. Have you.
We purchased Healthy Paws last year for our 8 week old miniature schnauzer. When we spoke with the agent we were advised that the average annual rate increase was 3%. Guess again! On our dog's one year birthday we received a notice that our rate would increase over 18%. When we called to inquire as to why such a high rate increase we were advised that our specific area (zip code) had a major jump in pet care costs, thus, the need to increase our premiums. The agent also denied that we would have been given a 3% increase quote. (Basically called us liars). Since the calls are recorded we recommended they pull the audio file). We had zero claims for the year and had purchased a $250 annual deductible with 80% coverage and no annual caps. We have canceled the policy and are very disappointed in the fact that Healthy Paws used a "teaser rate" to suck us in.
I have used Healthy Paws Pet Insurance for my 5 year old French Bulldog since she was a baby. I chose them after reading as much as I could online and comparing rates, reviews, and coverage. My dog needed a $4,000 leg operation at 6 months old (COVERED). She has always been plagued with gastro-digestive problems and they have never questioned any of the submitted invoices. They always pay 90% of operations, procedures, tests, and medicine. I only pay for office visits and vaccinations. I have paid them about $3900 in last 5 years for premiums. (She is currently $75 per month, which is not high for Frenchies!) They have given me back at least DOUBLE that amount - no questions asked!! I won't be stating they're "THE BEST", because no one should say that when they don't know for certain. But I will say for me, they are EXCELLENT and I hear it from many many doctors and dog owners.
Despite what they claim, they will jack up your prices every year. For two mixed breed dogs, I started at under $75 a month. This year they were increasing my rate from $119 (which is already too high) to $150 a month for the two dogs. They have doubled my premiums in just four years! I think they bank on people getting the coverage when their dogs are young and don't need much care. Since they jack up the prices every year, people will drop the coverage before their dogs get older and need more medical care. These guys are shady, steer clear.
I’ve had Healthy Paws insurance for my dog for 4 years now at the policy cost went up 100% since we got signed up. My dog doesn’t have any health conditions, doesn’t skip the annual exams and always up to date on her vaccinations. Please be aware that the vet fees and vaccinations are not covered by Healthy Paws insurance. At the time I signed up for this insurance I was assured that the cost will may go up by $2-3 annually. Well that was a lie. These people are greedy and they will keep on increasing your policy cost beyond any reason. I just received another notice of policy increase and will be canceling. I’m very disappointed!
I've had the policy 4 years for 3 dogs. Every year they increased the cost by 10-15% and this year it's 20% and I've only had a couple of claims over the years for only one of my dogs. And it was all small stuff. My dogs are 5, 5, and 4 years old so this is crazy. I'm probably just going to drop it altogether and save the money instead. Or get a cheaper supplementary insurance. It's just unfair and impractical considering all the annual increases and all the things they don't cover.
Hello... I don't typically write reviews but I really want to let everyone know that Healthy Paws has provided me with exceptional service! When my best pal Laila needed surgery, they not only made the claim process simple, but also sent benefit payments quickly. A+. Thank you Healthy Paws!
My pets' insurance policy came up for renewal. We have 2 dogs on the policy. Both premiums went up by 20% even though we didn't even meet the deductible to have any claims paid back to us through the last year. When I questioned them about this I was told that because other people had a lot of claims that caused my premiums to go up. I don't think that's fair if my dogs are healthy that I'm expected to endure higher premiums.
My dog tore his ACL. He needed TPLO surgery. They paid 80% of the vet bill (minus deductible). Then he tore his other ACL and needed surgery on that. They paid 80% of that too. The total cost for both surgeries was over $12,000 and they paid $9,000. Payments were timely. I paid with credit card and I had their reimbursement before I had to pay my credit card bill. There was never an issue. Great company, great policy and it was a lifesaver.
I’ve made various small claims ranging from $100-$500 for my 2 dogs since signing up with Healthy Paws about a year ago, and they have always paid out. Recently, we discovered one of my dogs had a defected soft palate so he had surgery to correct it at the same time as he was getting neutered. The bill including the neuter was $3,700, and Healthy Paws covered $3,500 of it. Very happy!
I switched from a prior pet insurance company and am very happy with everything so far. About 6 months after signing up, my dog developed a soft tissue sarcoma. I opted for extensive diagnostics and ultimately went through with a leg amputation. In 2 months, I racked up a bill of close to $10,000. Healthy Paws paid its 90%, minus my $500 deductible and about $400 in exam fees. The first claim took about 2 weeks to complete/pay and once my dog was in the system, payment took about 7 business days. Customer service was pleasant and I've done most of my business with them online. Very satisfied. Be advised that you should read the policy rules and exclusions before signing up and make sure you understand everything first.
I purchased Healthy Paws Insurance almost a year ago. I submitted a claim for severe pain in paw at the after hours Emergency Pet Clinic. The diagnosis was a scorpion sting. I submitted a claim to the insurance. Claim was denied due to waiting period. Claim was denied due to preexisting condition with the second request claim. A third request was denied for not covered by family vet and records. They just kept making excuses to pay out. I immediately canceled insurance on my dog. In the year I paid almost $600. Zero money was reimbursed to me. I was warned that pet insurance won’t pay out. It was true.
I am so angry right now. I changed my billing method last month and was assured it was all changed over and cancelled at the other end. Voila, double charged and I also received a $40 insufficient fund charge as I was in the process of closing the original account I used, which I had explained to the agent. I called and the girl I spoke to WOULD NOT agree that I was double charged, kept saying she didn't see it anywhere, yet she continued to quote my two separate bank account numbers. Finally she said she would pass it on to "Ops", I asked when and she said immediately and this is day four. The agent was very snippy and rude. I will probably cancel my insurance if this is not sorted out immediately. Bad customer service on two counts!
My dog got sick with vomiting and the runs and week after Bravecto. Then I looked at the web page. 7.1% of dogs get these symptoms. Prolonged these symptoms can lead to death from kidney failure. I then took my dog to the emergency pet hospital for fluids to protect her kidneys. So far a bill of about $650 was submitted to Healthy Paws Pet insurance but they are only giving me $50 credit toward the $250 deductible. They pay for almost nothing in an emergency which is why I pay them every month. Do not get this insurance - put some money aside every month instead.
I chose Healthy Paws because I thought it was the very best. It is not. I purchased to best coverage. I purchased policies for 4 dogs in 2014. Since then my rates have increased 62%. This year's increase alone is 25%. This insurance is terrible. They know they get you because now 4 years later my dogs would be at a higher rate if I chose a new insurance company. And any minor issues they've had in the last 4 years such as ear infections would now be considered pre-existing if I switched to a new company. Don't make the mistake I made. Do NOT choose Healthy Paws for your pet insurance. Very dissatisfied customer.
I understand increases are necessary each year. But telling me you have to increase my costs by 25% this year alone because the "insurance commissioner" won't let you charge me less is insulting. DON'T get this coverage. Healthy Paws will increase your premiums ridiculously. It is a bait and switch operation clearly. Reasonable rates when you start but not for long. And it's not due to the age of my pet. Two of the dogs I have covered are only 4 years old. Be warned. You will be ripped off by Healthy Paws.
This company took forever to process my pet's claim even after they had all necessary records. It took 4 phone calls over a 2 week period to find out why the claim was just sitting without being processed. After all of this nothing was covered. I read the fine print and they seem to make up exclusions along the way to avoid having to pay anything. Complete lack of communication, and once you get someone on the phone they don't seem to have a clue as to what's going on. Stay away from them... Run fast!!
I cancelled this policy over a month ago using their app. I was billed again. I again contacted them by email and again they billed my account. If they are this incompetent in dealing with a simple administrative procedure just how good will they be when your pet's life is on the line. I have never seen such a disregard for customer care nor this level of administrative incompetence in my life.
I paid into this policy for 2 years without submitting any major claims. When I finally submit a claim for my dog's recent knee surgery, which cost $3000.00, they refuse to pay! They claim it is a preexisting condition, even though it did not arise until after I purchased the policy. The bottom line is that this company will look for any reason to avoid paying out on a policy, even after gladly taking a customer's money for years. Do not buy with them, they are a complete scam!
Healthy Paws Pet Insurance & Foundation expert review by Matthew Brodsky
Since its inception in 2009, Healthy Paws Pet Insurance & Foundation has been improving the health of domestic animals. They offer insurance policies and fund a foundation dedicated to providing vet care to animal rescue organizations.
Unlimited lifetime coverage: In the event of an accident or illness, there is no maximum amount that this company will reimburse for veterinary care.
No annual maximums: With Healthy Paws Pet Insurance & Foundation, there is no maximum amount for reimbursements, so there are no limits to the treatments available for a family pet.
Lifetime discounts: Those who insure a pet for multiple years may be eligible to receive a discounted price on their monthly premiums, making pet health insurance more affordable.
Employee discounts available: Those who work for a corporate sponsor or partner may be eligible to receive an even larger discount.
Mobile claim submission: As one of the first companies to offer an app with mobile claim submission functions, this organization shows their dedication to customer convenience.
Best for: Dog lovers, cat lovers and multi-pet households.
Healthy Paws Pet Insurance & Foundation Company Information
- Company Name:
- Healthy Paws Pet Insurance & Foundation
- Year Founded:
- PO Box 50034
- Postal Code:
- United States
- (800) 453-4054