I hate to write such a negative review, but I have attempted resolve these issues between myself and the company with no results multiple times… This is perhaps the biggest issue, as maybe the other issues could have been resolved if not for this one, but their customer service is non existent. They continue to send me generic requests for more health history for my dog in order to process the first claim I ever made. I’ve submitted the requested history 6 or 7 times on the app, website, and via email. I’ve contacted customer service MULTIPLE times to get more clarification and try to resolve this issue (as SOAPs ARE included and the records I have submitted are all I have- I work in the veterinary industry and my dog has seen the vets I worked for,) and either receive no response or the same generic response. If I get anything more, they respond once and then ghost me. It’s been over a month since I originally attempted to file. The first claim filed for my second dog was denied, even though it is acupuncture by a boarded veterinarian which is supposed to be covered in my plan. I have sport dogs so I chose this coverage specifically to cover things like acupuncture, etc. Additionally, my veterinarian confirmed with me that they have multiple other clients who use Healthy Paws and their insurance covers the acupuncture, AND I have two friends who have received acupuncture by the same vet and have Healthy Paws which covers theirs with the exact same submitted records/invoices. I filed a dispute regarding this over a week ago and have heard nothing. As it stands I’m currently paying for two dogs monthly, one of which they won’t cover anything on until they “receive” the records that I have sent over and over (so I’m essentially paying for NOTHING) and the other of which is currently not being covered for things that the plan specifically states coverage for. To say that I am disappointed is an understatement. I will be sharing my honest experience with clients and other dog trainers and sports competitors.

Terrible. They would not reimburse me for any claims I put in and also over charged me 2 months in a row and would not reimburse me. Go with Fetch pet insurance. Much better!

Do not believe all the great/fake reviews, this is not really a good pet insurance company. Please go do your research and find another reasonable company or just start a savings account for your pet. The company spiked the monthly premiums (almost 2x) and still has so many exclusions to their top tier policy.

Don’t be fooled. This company generates fake reviews to increase its rating on Trust Pilot. Most of the reviewers are single reviews and are highly generic sounding.

I purchased a policy for my pet for Illness and accident over the phone. I was not informed or disclosed any kind of exclusions during my purchases.

Sure seems like a scam to me. We purchased the Healthy Paws insurance for our new puppy Charlie in Jan. In May I was told his puppy incisor teeth had not fallen out and would need to be extracted. I did the oral surgery and filed the claim, but they always seemed to need more information. Then would then almost immediately close the claim. I would open a new claim, after spending a ton of time requesting info from our vet. Now after providing everything they have requested, with a complete medical history from 3 months of age, the Explanation of Benefits says "outside the policy period" and it seems to have been denied. I have emailed them requesting an explanation and asked to cancel my policy. It seems like their company moto must be "deny, deny and hope you die."

I’ve paid premiums for 14 years. They have an issue with two invoices that I can’t get corrected by the health provider yet because they are on vacation. So every claim after that is backed up and they will not budge and settle them. My dog died and I’d like to cancel the policy but feel I need to wait so I have access to their system until this is settled. I’ve been told they will settle those claims by one representative then again that they cannot yet by another a couple of times. Each time they “correct” it they give themselves 10 more days to do so. I’m grieving on top of all.

Answer to your “copy & paste response you send out to everyone:

I submitted one claim for approximately 1800 when my dog broke her foot. We had been a client for five years with zero other claims. My monthly rate went from approximately $41 to $60 in one month. Their excuse was they had her breed wrong, she’s a mix and they had her as a Labradoodle and when they changed her to a mixed breed, they said that was the cause of rate skyrocketing. When I questioned it, they went radio silent on me. I’m filing a claim with the state of California insurance commission. I would suggest you avoid this company.

If I could give negative stars I would. We’ve been paying a monthly premium on our 3 cats for 4 years. Cats we’ve had for 9 years, adopted from little kittens. When our cat Titus took ill with bladder stones and a blocked urethra, it cost over $4000. And healthy paws refused to cover any of it. We would be better off not paying the premiums and just save our own money. If you’re going to take money for coverage and then not pay for medical treatment, you’re just stealing from people. They paid for some treatments for our other cat when he was having seizures, so why they won’t pay now is beyond me.