Healthy Paws Pet Insurance & Foundation

Not long after this we decided to foster a puppy. She appeared to be healthy and perfect. But after we had her for a few weeks it was clear she was having some issue. I took her to my vet who sent her to a specialist. She had have surgery. We were devastated. Not only were we so worried about our puppy, but we were worried about the money. Never have I been so grateful as I have been for Healthy Paws! They paid our claim so quickly and it was so easy. I just uploaded the receipt and the doctor's note online and they sent me a check about three days later! I cannot say enough good things about them. I HIGHLY recommend Healthy Paws as pet insurance!!

Something important things to be mindful of that may result in disappointment--but I think these are the case with any pet insurance:

1. As far as I know--they do NOT COVER PRE-EXISTING CONDITIONS, hence the need for the full medical report before they begin paying out. In our case, they paid out every claim that wasn't a pre-existing issue without issue.

2. There is a deductible that resets once a year before they cover anything, as well as a % they'll pay after you hit that--but you choose that deductible and the % that pays out.

3. They DO NOT COVER VISITATION FEES, and they make this very clear. So, you may go to a vet 5 times racking up quite the visitation feeds that aren't covered, but they'll cover any treatment & tests beyond that.

4. Once you make a claim, you can't change your plan, so you're either locked in, or go somewhere else that won't cover any new pre-existing conditions that occurred.

Outside of these, Healthy Paws really has great customer service on the phone every time I've called, and they've paid out quite quickly and efficiently on every claim.

The reimbursement checks are sent out within 2 days of reviewal and completion of claims. They are quick, efficient, and very professional. I wouldn't have been capable to afford the all of the medical bills if I didn't have Healthypaws. One CT scan was close to ~ $1,800, not to mention x-rays, medications, Rehab! Having a sick/injured pet is extremely stressful, and even though all pet owners want to provide their fur companions with the best care, finance is a concern when the bills begin to add up to multiple thousands. Knowing that I had Healthypaws, made it so I had one less thing to worry about. I didn't have to worry about waiting for months before getting the reimbursements, I could provide my fur baby with the proper medical care he needed and I can't thank Healthypaws enough for that.

The only con I feel the need to mention is that there's no regulations in regards to premium change, our monthly premium went from ~ $37 a month to ~$51 a month in 2 years (my dog is 2 years 1/2 years old), there's no telling how high the premium can/will increase. In summary, Healthypaws is an insurance company you won't regret getting.

I talked to the breeder and she said this puppy was the first sick one in her 30+ years of experience. I couldn't tell if she said the truth, but anyway, the accident could happen and I'm grateful that I enrolled my baby in the insurance when he was young so this accident was covered. Going through surgery with your pet is super tough, it's even tougher than getting the surgery on yourself both physically and mentally as well as economically, and the insurance now plays an important role and makes sure you don't need to "give up" therapy due to budget.

The reimbursement process of healthy paws is very fast, my first claim was processed using around 1 week, and my later claims were processed using 3 days. They also don't increase premiums a lot when your pet gets older compared to other insurance. If you're thinking of enrolling your pet, just do it as early as possible since the insurance doesn't cover pre-existing conditions. There's only 15 days waiting period which is short compared to other insurances.

I tried Figo Pet Insurance with 2 of my other dogs and they have been nothing but headaches and drama dealing with 1 of my dogs who sadly passed due to osteosarcoma spreading to his spine. They take weeks and weeks to look at your claims and in his case it was usually almost always denied or with a problem. Sometimes they would cover bloodwork, sometimes they didn't. It was crazy, a nightmare to deal with and I highly recommend everyone avoid Figo at all costs.

HealthyPaws has never had that sort of problem. They have covered little things like UTIs, monthly glucosamine shots and antibiotic meds. But they also have covered MAJOR life-threatening things without any issues for Teddy. Teddy had a mast cell tumor removed from his chest in fall of 2017 after adopting him. Every penny of that bill which was over $3,000 was covered with no issues at all. In fact, only ONE time in roughly 100 claims have I ever had a issue and all it took was a simple phone call for that to be resolved. The turnaround times are very reasonable and fast, never takes more than a week or two tops.

In June 2022, Teddy started having severe neurological signs and a brain tumor was suspected. To make a very long story short, he ended up having to have stereotactic radiation and chemo. This is certainly not cheap, his bill was roughly $15,000. HealthyPaws paid EVERY single penny of it except the usual things they do not cover (exam fees etc). I was reimbursed for 90% of that entire bill. They even emailed me to check and see how he was doing. They just spent over 13k on Teddy and still care enough about him to see how he was doing. HealthyPaws is amazing and I won't even consider another pet insurance company moving forward.

He gets his bloodwork checked almost every week now, monthly chemo meds and other meds. All of this is covered without issue and pet owners know how expensive weekly blood tests can be. HealthyPaws is AMAZING, I cannot stress this enough. I have already recruited a friend to enroll their new puppy with them and I hope this review can help others make the proper choice here also. Teddy is thus far doing as well and roughly 90% of his former self. Our family and Teddy owes this all to the wonderful care he got from the doctors but also HealthyPaws. I will never use another pet insurance provider, HealthyPaws care of Teddy has made me a fan for life.