Healthy Paws Pet Insurance & Foundation

I want everyone to know about this awesome company. Healthy Paws Pet Insurance. We found them because our friend jen Jen Caputo Akhter knows the CEO and I cannot say enough about this organization. Down to the sweet card we got with handwritten notes from staff after his passing. By the way. Paid 90% of the medical bills for Louis when we had no expectations they would. I am a life loyal fan forever. Just signed up moms dog and out next puppy will also be covered again. Amazing. Please pass this along. If I could do a commercial for them I would! Call me for a reference any time. Michael Guerrieri.

Healthy Paws is great. I’ve had it for two years now for my 7-​year-​old Lab mix. The company covers exactly what’s spelled out in their literature (everything but exam fees, preventive/​wellness services, and dental cleanings). Callie has had several claims lately due to extensive panting. Healthy Paws has never contested a charge. I love how easy and quick their claim process is. I email the invoice and claim form, receive an email confirmation saying the claim has been received, then that it has been processed, and that a check is on the way. I typically have the check in hand before I receive my credit card statement. Their claim form does not require a vet’s signature, which really simplifies things.

Pet Insurance is well known to be full of poor communication, lots of exclusions, and the dreaded claim denials. If you look at the «leaders» in this industry, such as VPI, you will find lackluster coverage and a complicated «schedule» that requires a lot of time and patience to decipher (not to mention a veterinary medical degree).
Enter Healthy Paws. I admit I was very skeptical when I first heard about them since it is not a company I am familiar with. In fact, some veterinarians also have not heard of the company.
The quote process is easy and you get a bindable quote once you’ve completed entering all of the information. There is a standard 15-​day waiting period, which seems very fair given the potential for fraud. TIP: Be sure to have a very recent health report ready to hand over to Healthy Paws once you make the purchase decision. It will assist with any future claim requests.
Their coverage is well above industry standard, and in many cases is well above what you will see elsewhere. There is no complicated treatment schedule and limits. You choose your deductible and your co-​insurance, and that’s it. Outside of routine maintenance care, almost all items are covered and there is no maximum benefit.
Unfortunately I found myself with a large claim in the first month, and I can report their claim process is second to none. After calling to get some clarifications, I was reassured that their claims handlers are actually experienced in the veterinary field. This goes a long way in knowing that you are going to be treated fairly and that you can count on the coverage that you purchased. I had filed a fairly large claim of $ 1,500, and it was fully processed and approved within 24 hours. They also have a great iPhone app where you just take a picture of the vet bill, and you can file the claim immediately.
My only complaint is they reimburse you by paper check and snail mail, which means it can take 7 to 10 days to actually get the check. Usually not a problem if you file the claim right away, but it is something to keep in mind since many will pay for the actual vet bill via credit card. It would be great if you could set up EFT for claim settlements directly into your checking account or a PayPal account.
All said, I am very impressed with Healthy Paws and plan to keep an active policy for the life of my pet. If you are shopping for a pet insurance policy, look no further than Healthy Paws!

Healthy Paws Rocks!!!
It was a HUGE comfort knowing we had Healthy Paws on our side as we were going through a very traumatic situation when our dog ruptured a disk in his back. We knew it was going to be expensive, and wondered if there would be any issues with such a large insurance claim. Healthy Paws acknowledged receipt of the claim right away (as always), and processed the claim without any issues within 2 days — I just received the check for everything promised in the policy (90%!!!) in less than a week after filing. I am so impressed; getting Healthy Paws insurance is one of the best pet decisions I’ve ever made.
We are great fans of HP and their Foundation, and we tell every pet-​owner we know about how great they are. Their service ranks among the best of ANY company I’ve ever dealt with, and it is wonderful to know there are real people there who care about pets as much as we do.

Healthy Paws is fantastic.
It is simple to choose a plan, sign up, and have any inquiries answered by their staff.
Their policies are reasonably priced (I pay about $ 35 a month with a $ 250 deductible/​90% reimbursement.)
They process claims very quickly, with an email confirmation and a check in the mail shortly thereafter.
I thought pet insurance was silly before I got a dog, but upon rescuing my Chihuahua/​Rat Terrier mix, I realized if anything major happened I wouldn’t be able to afford it.
Sure enough, something happened. Cadence developed juvenile cataracts.
Her surgery alone would have cost me over $ 4200 but after Healthy Paws I only spent about $ 400 out of pocket.
They even sent an email to check on her after the procedure. My human insurance doesn’t even do that!

This review is about a year overdue.
Shortly after signing my cat, Luna, for insurance she got lost during a move. Luna was found about two weeks later with some injuries, to include a chipped tooth with swollen gums. That was the expensive and most concerning part. I was worried about the claims process since it was my first time. But all I had to do was have my vet fill out a small portion on a form which took him three minutes. Then I sent in my invoices and single form over to HEALTHY PAWS. It took a week to get a check because we decided to get my cat’s teeth cleaned while she was getting her injury attended to. HEALTHY PAWS went out of their way to contact my vet directly and subtracted the teeth cleaning from the rest of the surgery (preventative care isn’t covered– dental cleaning is preventative). Totally understandable.
Luna also had a few other injuries, like a bump on her head. It was removed and biopsied. Three stitches were used. My brat ripped two stitches that same night… emergency visit the next morning. ALSO COVERED!
Well everything was covered, as promised. I was just responsible for 10% and the $ 100 annual deductible.
As soon as I could afford it I signed up my other brat. She’s yet to need it but I’m really thankful to have it for her. I don’t know how I would’ve paid for Luna’s bills if it wasn’t for this service.
They have lots of discounts available, FYI!

Do not get fooled by the positive reviews.
This company maximizes their profit by price fluctuation based on the average household income, meaning the price varies depending on your ZIP code. In my case, the difference was 10%. My pet makes $ 0 yearly. Does that mean it should be getting insurance for free?
The enrollment process is simplified and purchasing their product is easy, but noticing the asterisked fine print below your total isn’t. Before you check out, the total price is a fairly big and bold number at the top right corner of your screen, though it does not include the enrollment fee of $ 25. What does this cover? Paperwork processing? Physical office rent? Nope! Enrolling/​signing up is all done online, and by me!!! All they have to do is collect my money, and not charge a fee for collecting my money. How hard is that?
In the fine print, there is also a waiting period, which in my case is 15 days. They said I had to wait for them to check my puppy’s medical records for preexisting conditions and based on that, to determine what will, and what won’t be covered. I asked them if they could start the policy right away because I will be traveling with my healthy puppy to some very cold places, and they said that there’s absolutely nothing they can do, and refunding the charge would take up to 4 business days. I’m changing my personal policy to include a «lifetime waiting period» for this company to dip its’ dirty paws into my pocket again.
P.S.
Just noticed in the «More business info» section that «This business is a Unilocal sponsor». I wonder what that means. I purchased their product because of the good reviews here. Hmmmm

We have been Healthy Paws users for almost 2.5 years as my 3 year-​old golden retriever seems to be illness-​prone. We spent a lot of time researching pet insurance companies and finally decided on Healthy Paws and I know we couldn’t have made a better decision. I have made at least 8 claims over the last 2.5 years and have never been questioned or held up for any of the claims. In fact, I always receive the emailed reimbursement report within 24 – 48 hours of submission and have a check in my hands within 1 week. it is reassuring to know that when my dog gets sick, I can afford the best care possible thanks to Healthy Paws. They have amazing customer service and great coverage without all the «fine print» of other pet insurance companies. I highly recommend Healthy Paws for any and all animal lovers.

We’ve had Healthy Paws pet insurance for just about a year to cover our kitties (We have three now, and just added Nico the youngest to plan a week ago). We first got the plan because I didn’t want the cost of providing care for my pets to be a factor in the decision of whether we would get them the care they needed – vet bills can add up very quickly. I am very glad we chose healthypaws.
We barely had the plan for a month when our kitten Burn got diagnosed with FIP. The folks at Healthypaws were phenomenal, they very quickly processed our claim (in less than 48 hours) and they paid for pretty much everything including the costs to cremate Burn and for disposal of his remains. A week later we had a lovely, HANDWRITTEN and signed card from the claims team at Healthpaws to comfort us in our loss. I was impressed.
A few months later our other kitten Crash got sick, and we weren’t sure exactly what the cause was. It took two weeks and almost $ 2000 to get Crash back to her normal playful self. Again the folks at Healthypaws were very responsive. Crash had been hit by a car as kitten and her pelvis was shattered and reconstructed long before we adopted her from the shelter. After we submitted Crash’s medical records and the claim representative reviewed them she sent a nice note with an explanation of benefits. They wouldn’t cover anything related to Crash’s preexisting hip injury, but because her current illness (stomach problems and fever) weren’t related to that they would cover her expenses. It took them just about 12 days to process her claim and mail our reimbursement check – given the large amount of medical records and the fact that I was submitting new invoices every couple of days as we kept taking her back to the vet, I would say this is a really good turnaround time.
After the deductible and coinsurance our actual coverage ended up being closer to 75% of our actual out of pocket expenses for Crash – the insurance will cover the costs for treatment, including medicine and hospitalization related to an accident or an illness. The vet visit itself is not covered, and routine services like grooming, vaccinations, etc… are not covered. I picked the plan with $ 100 deductible and 90% coinsurance, after applying the deductible, the 90% coinsurance and deducting the actual vet visit fees we came out to approximately 75% of the total fees incurred. I’m still waiting on them to approve the last claim for Crash so the total may actually end up being more than 75% overall.
The plan gives you peace of mind that if something goes wrong that they will be there for you.

I got Healthy Paws coverage as soon as we got our puppy earlier this year. A friend recommended Healthy Paws and after doing research and comparing various plans we decided to enroll. It was a great decision. Besides the normal vet visits, our puppy had to have eye surgery. He had surgery on Thursday and by Friday morning I received an email from Healthy Paws that they had processed our claim and the reimbursement payment was on the way. I was blown away by how quickly they processed it. And their coverage is very good. While it is not the cheapest premium, for us it is worth it to have the peace of mind that we will not have to make a medical decision based on cost. All in all, I could not be happier with Healthy Paws.

I was shocked to see a negative review of Healthy Paws Pet Insurance on here after being a client with them for the past year and unfortunately submitting claims more than we would have liked to! My father has worked in the Insurance Industry for 40 years and we had pet insurance growing up with another pet insurance company. We never had any issues with the other company, but when comparing plans for our dog Max Healthy Paws had the best coverage, least amount of hassle, etc. My husband is the type that reads and compares everything (to the point that it’s annoying) so he ones the one that made the final decision. Most of the claims we submitted were fairly minor at first. It was so nice because when we submitted a claim we would receive an e-​mail confirmation that it was received right away and usually the same day an e-​mail that our reimbursement had been processed! Since getting our policy we moved twice and I changed my name and the staff was great about getting everything updated. Most recently we moved out of the city and they even notified me right away that our monthly premium would be reduced as well.
Whenever I e-​mailed or called the staff seemed genuinely concerned about Max. Most recently however, was when I really knew we had made a good choice. After we moving we just switched vets and it unfortunately was not a good experience. Our dog Max got all of his vaccinations in one day and the next day was very ill. They aren’t sure if it was an allergic reaction or bad vaccine but I honestly did not know if Max was going to make it. I called Health Paws to see what was covered as I frantically searched for an emergency vet. The woman was extremely compassionate and assured me that everything non-​preventative would be covered outside of the initial visit cost at 90%. It seemed too good to be true but it was nice to not have to debate getting Max help and worry about a huge bill at the emergency vet. When I got the final bill from the emergency vet the total was $ 456.00! As usual, I got an e-​mail that the claim had been submitted and processed (I think even the same day) and we received our reimbursement like clockwork.
We also received an e-​mail from a customer services representative to see how Max was feeling. The vet who gave Max the vaccinations that landed him the emergency room hasn’t even checked-​up.
My husband and I never wanted to put a price limit on Max’s life… and now thanks to Healthy Paws we never will! I only wish our Car Insurance company was as good… that will not be a five-​star review.

When we adopted our cat Pippa from a shelter 5 months ago, I decided it would be a good idea to obtain pet insurance for her. Being that she was only 2 years old at the time of adoption, I honestly thought it would be a long time before I would need to worry about anything going wrong medically, but having insurance would be a good idea «just in case of emergencies.» After researching many pet insurance plans, I decided to go with Heathy Paws and I am so glad that I did. About a month ago Pippa developed a mass on her lower lip seemingly overnight. Cytology revealed it to be a mast cell tumor. Due to it’s location, her regular veterinarian referred her to a specialty surgeon and oncologist. Pippa first required testing to determine if the tumor had metastasized before she could undergo surgery. Once it was determined that it was contained, she underwent a fairly extensive surgery to remove the tumor. She is now 10 days post surgery, and it has been determined that surgery was curative; hooray! As you can imagine, all of these different vet visits and procedures have added up considerably. Within 2 days of faxing the invoices and claim forms to Healthy Paws, I heard back from them with an explanation of benefits. Everything they clearly stated would be covered, was covered, and I received reimbursement within one week. I had chosen the plan with a $ 100 deductible and coverage at 90%. Pippa’s surgery ended up costing $ 1636.90. Healthy Paws is reimbursing $ 1,473.21. They alleviated a lot of worry through this process; having the peace of mind that I had insurance to help with her medical bills allowed me to focus more on just getting her the care she needed. I cannot say enough good things about them; there was no hassle filing the claims, they were super quick to respond with an eob, and reimbursed me within one week. They truly are amazing, and I am recommending them to every pet parent I know.