They are a total scam. If you love your dog, run away from them.

I’m just glad I have coverage now for my dog Crypto and my cat Amira. They’re both getting older and I know we’ll be at the vet more this year or next. It’s a relief knowing I won’t be stuck with a huge bill when that time comes. Arkana made it easy to compare plans and get something in place without spending hours researching. I feel a lot better going into the next few years with some peace of mind.

Reply from Arkana

It’s a little difficult/confusing to submit documents and I’m constantly receiving alerts that more documents are needed with not much of visibility into why the documents I already provided are not enough.

Sadly, Healthy Paws has gone WAY downhill. I've been with the company for about 12 years and they have always paid out for my cat, and paid out quickly so that is what gets the three stars but EVERYTHING else gets a zero star.

The website is too difficult. You asked me at the start what my HOME zip code is. Then at the end when I wanted to purchase, you asked me my BILLING address, but I couldn't edit the ZIP code and I had to hit back, back, back all the way to the start to change the Zip code to my billing Zip code. They should have an option on the check-out page to change the billing zip code.

Easy to complete, very friendly web site

Absolute worst customer service, when they can’t help/ don’t know the answer they just hang up. Also deny claims that are explicitly covered under the contract and again just hang up to avoid accountability. Do not buy this insurance.

There is a lot of delay and frustration with the reimbursement process. Either my vet who submits my claims or me are constantly having to provide the same information over and over again. It is really nitpicking it seems sometimes. For example, an invoice that showed the amount due, the payment, and then there was an additional line item showing that satisfying the balance, and then a zero due line. That got pushed back at least two times with the reason being it didn’t show payment.

I have been a loyal customer since 2018, but recently Healthy Paws increase in my monthly premium from $124 to $346 a month for a single pet, which is unacceptable. For a healthy 13-year-old senior pet, the nearly threefold jump feels punitive, particularly when finding alternative coverage at this age is next to impossible.