Friendly , compassionate, knowledgeable, to the point.

Healthy Paws used to be a great company, but greed has completely taken over. I’ve insured my two dogs with them for nearly a decade, since they were puppies. At first, the price increases were small—$35 per pet per month, then $45, then $65, then $90. Every year, the cost crept up, but I stayed loyal, thinking it was just inflation.

Animalia has been great. They work fast, and they cover everything they said they would. We have been very pleased with the service.

I have placed two claims and inputted all documentation. Both claims get denied. The dog was a rescue and is only a year old so we do not have extensive history. I inputted every document we have including all doctors notes but still no luck. Why do I have insurance if you cannot use it? Policy is WAG0575000-01. Claim numbers 005437452 and 005458142. The first states heartworm which the claim has nothing to do with. These claims are only for xrays taken. So disappointing.

I've made about 6 calls, 4 in one day. They covered my claim and then said it was processed on their end on 3/10, it's 3/18 and the payment is nowhere to be found. At first they said call if it's not there in 3 days, now all the sudden it's 7-10 days. They just keep telling me that it's "approved and paid out" on their end, but they can't even tell me the full account number they sent it to. I've been back and forth with them and the bank for DAYS, the bank has ZERO record and it was never direct deposited. I had to escalate it to a manager on the 6th call because they just kept saying it looked like it was paid in their system and wouldn't give me any answers besides "call your bank". Finally they agreed to put a trace on the payment and said it would likely take a full day to go through and they'd call me with the info. 2 days later, no phone call and no info. Cancelling as soon as they pay me.

They claim to genuinely care about their customers, saying, “While we do our best to explain coverage based on the terms of the policy…”, in reality, you log into your account only to see claim denied, claim denied, claim denied… with nothing but a vague reference to the terms and conditions. They don’t even bother to provide an explanation or point to a specific section of the policy.

There is a waiting period that applies, so do not think you can bet this insurance and use it in less than a couple of weeks. Did not really look for fine print, so it may be in there somewhere, but it was not something that jumped out at me.

When I paid for the insurance, I took it in case I needed to do something urgent for my cat. And it so happened that I had to visit the emergency once. I paid everything myself and sent an insurance claim for a refund. I had to wait almost 2 months for a response, first to receive information that there were not enough documents, and then a decline. It is very difficult to contact support. When I asked to cancel the subscription, they told me that I had to complete a quest to cancel. In general, it looks like a scam scheme.

My total bill for Ashley’s Vet Visit was 984.47 - I paid 500.00 deductible leaving 484.47 and I was reimbursed 82.85. Now this just doesn’t sit well with me. I was under the impression 90% reimbursement means I should receive 436.02. Was shocked when was told that they only pay what they feel is the appropriate charge for services provided. So think twice about using this insurance. I know I’m looking elsewhere.

Our family cat had a medical emergency and was vomiting blood and we had her covered by ASPCA. The vets were telling us it was medically necessary to keep her overnight and xray her. After providing all requested medical records which proved no prior medical issues, they flat out denied. UNBELIEVABLE! Warning do not spend you money with ASPCA or Fireman's Insurance. We need a class action against them for denying legitimate claims. I am honest and this was a medical emergency, my wife as a RN and I have EMT training a vet at 1AM saying it's an issue and them denied says enough. I'll take my pets and $1300 year premiums elsewhere.