Healthy Paws Pet Insurance & Foundation

No complaints. They cover what they say they cover and with minimal paperwork required. Like any insurance be sure to read the policy first so you know what you are getting. They have been fast to respond to questions or calls. The iOS app works nicely as well and makes checking on claims convenient.

The best. Period.
Great insurance, prompt payments, no quibbling. Easy to submit claims with phone or pad app – just take a picture of the vet’s invoice and it’s done!
I’ve had other pet insurance in the past with other dogs, and have been subjected to endless paperwork, denial of legitimate expenses and generally poor service, so Healthy Paws has been a refreshing change.
I rescued my AmStaff, and in the past four years he has racked up lots of vet bills from minor accidents and illnesses. My plan covers 80% of costs (that % is optional when you sign up) and costs me under $ 40 per month. Healthy Paws has saved me at least $ 2000 in 4 years.
My vet says he’s a remarkably healthy, robust, 85 lb. dog, but he’s had perhaps more than his share of minor medical issues and accidents.
As he gets older, I hope he doesn’t develop any chronic illnesses, but I feel better knowing that if disaster strikes, I can afford to take care of my pal. Healthy Paws doesn’t pay for routine vaccinations and annual health checks etc., which is fine by me as it keeps the premium down.

Thank you Healthy Paws & Sofie! My dog had to get a biopsy, X-​ray, ultrasound, blood work, meds, 4 mass removals totaling around ($ 1,200). I filled out the claim online, emailed all of my dogs previous & current vet records, and they got back to me less than a week. I was reimbursed 80% ($ 960 through a check sent to my house) since that’s the policy we chose. Sooo happy I don’t have to worry about scary vet bills anymore! THANK YOU HEALTHY PAWS!!!

Seriously this company is amazing. As long as you follow their rules when you sign up, they reimburse the emergencies easily and quickly. All the complaints are from people that didn’t know what they were signing up for. I don’t even hesitate to take our little boy to the doctor now. This buys such a peace of mind. I highly recommend this company.
I ended paying out of pocket over $ 20,000 for cancer treatments for my first dog. It was stressful. I didn’t know about pet insurance before. We got pet insurance for our puppy and I am thankful I did.

Healthy Paws has been the best insurance company I have ever used (paws down ;-)). I have two dogs and decided to get pet health insurance for them after my Brian was diagnosed with Addison’s Disease and I was left with a huge Vet bill. Since then, he has had a couple of major health issues and Healthy Paws has provided me with the best customer service (and I have high standards since I work in health field). I filed my claims online and within less than two weeks I received a check from them. I wish human health insurance was as easy. I fully, fully recommend Healthy Paws Pet Insurance. Let’s support this company so they can continue to support animal lovers/​parents.

I am pleasantly surprised. I have had pet insurance in the past with VPI and was not happy with their product or the way they ran the business. It took me about 10 years to try again and when I did I purchased your policy for my new puppy. I have had a number of claims and they are processed and paid so fast. You guys are the best! Thank you!

I decided to get pet insurance after my dog had stomach problems, was dehydrate and had to be hospitalized overnight for dehydration. I believe my total bill was close to $ 1200. WOW! Of course, I would do anything for my Bella, but I can’t afford to keep paying vet costs like that. I researched many different insurance companies and decided on Healthy Paws. It has been an easy, quick and great experience. I have a $ 500 deduct and 80% reimbursement. I don’t understand the people complaining about how the policy is unclear or that they :“bait and switch”. This is NO DIFFERENT than a human insurance plan. You must meet your deductible BEFORE they start to reimburse you your percentage rate. It’s not that hard to do the math and know that they will immediately take the $ 500 out of your claim first. Very straight forward. The other complain I saw was about preexisting conditions. It was extremely clear on the FIRST page what they DO and DON’T cover. Pre-​existing conditions is one the main things OUTLINED, very clearly in the policy. No different than human insurance used to be. They will reimburse you for anything not related to a pre-​existing condition. PERIOD. That is why they request your medical records. so, I would take those reviews as people not understanding the process.
Anyway, my first claim wasn’t approximately $ 400. So, they took that and applied to my deductible. My second claim was approximately $ 900. They took the additional amount to meet my deductible and they paid me 80% of the balance. I then received close to $ 750. I was pleasantly surprised how quickly the claim was processed. They are quick to email back if additional info is needed. I received confirmation that the claim was approved approximately 1 week after I submitted it. I then received the check approximately 1 week later. I have never had a human medical claim processed this easily and quickly.
I HIGHLY recommend Health Paws to anyone considered pet insurance. It’s affordable, easy to use, they are quick to answer any questions and notify you with a follow up and updated status. I have been nothing but satisfied with Healthy Paws from the very beginning.
Take a look at the negative reviews, their arguments, and the comparison to the MANY positive reviews. You draw your own conclusion. I think it’s pretty obvious that the complainers are upset because they didn’t get payment for something they DIDN’T deserve.

DON’T USE HEALTHY PAWS INSURANCE!!! They are a total ripoff company. They did a complete bait and switch after I paid. I asked if there were any kind of exclusions/​exemptions, anything at all that would keep me from getting reimbursed, and they assured me there were not. However, they conveniently forgot to tell me about one very important thing called pre-​existing conditions. They will attribute anything they can possibly find to pre-​existing conditions. In my case, my dog had to have emergency surgery and almost died. He had a rare and random occurrence called a twisted lung lobe. Prior to that, he had been scheduled for upper airway surgery, which had to be postponed. After my claim was submitted for that procedure, I was contacted by HP and asked when his hiatal hernia was diagnosed. I told them it wasn’t discovered until he was operated on. Now, why would they have asked me that if they then later said it was a pre-​existing condition?
I then took my complaint to the Insurance Commissioner, who took months to get back to me. When he did, he told me there was nothing he could do and that I should take the company to small claims court. What is the purpose of an insurance commission if they can’t help consumers?
Additionally, HP sent the Insurance Commissioner a huge file It contained a plethora of lies about statements or questions that supposedly occurred, but were not at all true. I’m not sure how you get a thick file on a dog who was about 6 months old when all this happened.
Don’t be fooled by their robotic responses, pretending to care. If you want to get reimbursed for your pet’s expenses, by all means, DON’T USE HEALTHY PAWS.

I have nothing but good things to say about this company. they deliver what they promote and they do it in an easy and timely manner… I wish my own medical insurance was like this…

After I lost my cat, Jo, far too early and after $ 6,000 on my credit card desperately trying to save her, I knew I would never go without pet insurance again. In my grief, I obsessively researched insurance companies before adopting again. Healthy Paws was the clear winner in my evaluation. Fast forward two years later to 2015 and my 2 year old cat, Christmas, became quite ill. The news was devastating– likely cancer, FIP, or FIV but there was a chance it could be somemthing treatable. I was racking up bills already and would not have been able to move on to a specialist if I didn’t have (good) pet insurance. Christmas ended up needing expensive tests, procedures, and a bone marrow biopsy. It was eventually determined that she developed an autoimmune condition, which is treatable, and she has since returned to her playful self almost at 100%. Through all of this, Healthy Paws made it simple to submit the claims (just take a picture of the vet’s invoice and upload it). Healthy Paws processed the claims within a day, sometimes within hours. All in all, to date I’ve been reimbursed about $ 7,000, as my Healthy Paws plan pays 90% of what the vet charges– not 90% of what is predetermined to be allowed but 90% of whatever the vet charges! I kept fearing the company would find a reason to not pay since they have taken such a loss from me, but I have never received anything but compassion and encouragement in response to my claims. I’m sharing my experience here and with people I meet in person because everyone who loves their pets should have this kind of experience (and all of my obsessive research should go to use, right?). Thank you Healthy Paws for integrity, service, and compassion.

Before I enrolled our puppy with Healthy Paws, I did a lot research. I had another pet insurance before with my other dog but the monthly fee just too high and not cover as much as Healthy Paws. I’m soooo glad I go with Healthy Paws. My puppy recently had bad infection and stayed in hospital for few days, the bill came out around $ 1,300. I filed the claim by using my phone app and I can check the status of my claim any time. From submit my claim till I received the $ 1300 reimbursement check only took about a week! I just love them! The best pet insurance!

my wife and i love our pups.
we feel they should get the same care as we would give ourselves because they give us everything they’ve got. the give us their lives.
not having had dogs growing up i realized i should start an emergency bank account fund for them in case one of them got sick. so i did that but little did i know how expensive quality vet care would be.
2013 — our pup teen needed spinal cord surgery. he is a teeny chihuahua and this was definitely a specialized surgery. our emergency vet (VMSG in ventura who i can’t recommend high enough) saved his life. the total was $ 13,000. no worries. i have that emergency account and when would such an expensive surgery happen again?
2014 — our pup aud was diagnosed with stomach cancer. VMSG removed the tumor but it came back about 3 months later. she would soon end her battle with cancer in september but what we got was three entire months with our dearest girl. the total was $ 12,000.
2015 — teen was doing well but was too old to be insured but our other pup greta, a redbone coonhound, was still young enough. so we researched and picked healthy paws and boy am i glad we did. healthy paws is the ONLY pet insurance without a cap. meaning if your animal gets cancer or another expensive illness all you are responsible for is your annual deductible and then whatever amount your particular policy is set at. greta’s is at 30% for us and 70% for healthy paws. the only reason i can think of someone picking a different pet insurance is because they don’t realize how expensive emergency care can be.
healthy paws won’t cover:
pre-​existing conditions (no other pet insurance will either)
standard vet and dental cleanings (which aren’t as expensive as emergency surgery)
and that’s pretty much it.
about 2 weeks ago we came home and greta got bloat.
bloat can kill a dog in 8 minutes and our drive to VMSG is 20 minutes.
it is a miracle but little greta made it there and VMSG not only was able to save her life but also diagnosed her with a mass on her spleen as was a paralyzed larynx.
in fact if she hadn’t bloated we would never have known about the spleen or larynx.
the total cost for her surgeries was just over $ 11,000.
but this time i had healthy paws. i was nervous because i didn’t know if this insurance would do as it promised. i know that i personally have blue shield of california and it definitely doesn’t do as it promises.
but healthy paws did!
they paid over $ 7,000 (their 70% minus deductible) and not only that but paid immediately. i got the first check 5 days after i filed a claim! 5 DAYS!!!
my primary concern is our beloved little ones. that’s why i have the emergency fund.
but i will NEVER get another pup without insuring them right away.
in fact if you insure your animal immediately (puppy or older dog) you’re better off as there will be no documented pre-​existing conditions.
i can’t recommend healthy paws (& VMSG — Veterinary Medical and Surgical Group) high enough!!!

So far I’ve submitted 4 claims for my dog Frankie this year, and each one has been a seamless and simple process. Every claim has gone something like this:
1. Come home from vet. Take a picture of invoice and submit it through app. Takes 2 minutes.
2. Claims processed within 2 days.
3. Claims completed within 3 – 4 days.
4. EOB covers everything as stated and expected
5. Check in my mailbox in 7 – 10 days.
Couldn’t be easier and I’ve been reimbursed over $ 1k this year for unforeseen issues. Has certainly paid for itself.

When my best friend (also a service dog) Colton became sick of course I was a mess. The vet wasn’t sure what was going on either. He had to be hospitalized with IVs, he wouldn’t eat, and couldn’t even hold down water.
The total came to over $ 6,000, which I am sorry to say I didn’t have. What I did have Thank God was Healthy Paws insurance. Not only do I have my pup on the mend the question of having to put him to sleep wasn’t ever an option!
The vet faxed the receipts and information and in about 2 weeks I was reimbursed by Healthy Paws. I have become an ambassador for this company telling everyone I know how great they are. Some have signed up and are very happy as well.
You don’t have to worry about any games like some insurance companies and you don’t have to wait forever to get very little back like some other companies. If you have other insurance SWITCH to Healthy Paws! If you have no insurance call Healthy Paws and sign up today. You will be thankful that you did! David Munson

We are not satisfy with what HealthyPaws cover & don’t cover. I’ve done my research and it came down to HealthyPaws & TruPanion. The results are staggering ! TruPanion have this system call ‘express’ where they pay directly to vets rather than have owners come out of pocket. This is a big plus for any pet owners. Also, the waiting time period for policy to take affect is 5 days (accidents & illnesses) and 30 days (hereditary) HealthyPaws waiting time is 30 days & 12 month. Thats insane ! To all pet owners out there call trupanion and ask them about what i’ve mentioned. it will save you time & money ! Choose the best and reliable dependable coverage for your pets ! Cheers.

The Best! Healthy Paws Pet Insurance is reliable, fast, efficient, and has one-​of-​a-​kind customer service.
The entire process to get my 6 yr-​old, big dog signed up was super easy. And it was only a few months after signing Max up, he was injured and had to have an expensive surgery on his leg. Healthy Paws was there every step of the way. They cared and definitely let me know.
Early on, I doubted Max would get coverage given his age. However, Healthy Paws covered Max and practically saved his life.
I highly recommend.
Thank you, Healthy Paws!!!

Have only ever had fantastic experiences with them. True to their word in providing coverage for medical bills and really great customer service, whether on the phone (real people actually answer the phone) or over email (again, real people answering email!)

Signed up both our cats for coverage, and I do not recall at the time that annual physicals were excluded, but more importantly that any dental work is excluded unless it is from an accident. That combined with pre-​existing existing conditions exclusion I was aware of, I am debating if the insurance is worth it. Same deficiencies as human insurance pretty much. So I am going to re-​research VPI and others again. We may just self insure by creating a savings account for use for the vet vs. $ 720 a year going to Healthy Paws.

Have had my rescue pitt for three months and I’m kissing the ground for having the presence of mind to get pet insurance through Healthy Paws. Read all the reviews on this site and others and Healthy Paws came out on top so I went with them.
No joke, my dog was hit with 34 different things at once and we went to the vet almost ten times in one month! Healthy Paws covered everything from medication to tests and they did it in a timely manner. The phone app is awesome, you can upload pictures of vet invoices to file a claim and you’ll hear back within 2 – 3 days with the confirmation. Check arrives in about a week.
I’m not the smartest guy in the world but when I think about how I signed up for Healthy Paws early on, I kinda feel like donating my brain to science.

After much thought and consideration regarding pet insurance, this company has come through and is very reliable.
Perhaps the premiums are higher but the money you pay is worth every penny. Yes, they ask for a lot of paperwork and documentation during the first month and first few claims. But after all is said and done, I feel they give less run around and process claims quickly. The reimbursement process is fairly easy and the telephone hotline provides tons of support for any questions or comments.
Insurance is like Murphy’s Law, so always have a policy.
I hope the company keeps on trucking along because we feel very lucky to have our dog insured. Peace of mind is priceless. I know there are other pet insurance companies out there but for us, Healthy Paw is the only one we trust.