I have the highest level policy, they should cover emergency visits and most other things. Other insurance companies have an app and allow you just to snap a picture of your invoice. Prudent Pet makes things purposefully more difficult, including making you submit long reports for each claim and submitting copies of your pets' medical histories even though Prudent Pet is able to get that information themselves. They claim every emergency visit is "wellness" and have denied 4/5 of my claims. I've had to spend hours on the phone every time I want to get reimbursed. They sold me a bunch of false claims when I signed up and have disappointed me at every turn ever since.

Would like to go to *my account.... " To verify coverage, ytd reimbursement, etc

A++ experience. No automated menu, got to speak to an actual human being (Laura!) within 3 rings. She answered all my questions, and I had everything I needed within that 5 minute call. Very impressed! Thanks for a great experience.

The deductible is confusing/misleading. They essentially pretend to "cover" 80% of claims pre meeting the deductible. This "coverage" essentially means they only credit you with spending 80% of what you've actually spent toward your deductible. For instance, I had $596 in claims. But only $476 actually went toward the deductible under the guise that they were "covering" 80% of the claim. So a $500 deductible ends up being closer to a $625 deductible in reality. This feels misleading/nonsensical.

Takes weeks to months to receive reimbursement.

Checks never arrived. Had to call them many times to see where the checks are. Took over a month to receive my reimbursements .

healthy paws is just a scam

This company does not cover anything...vaccines are supposed to be covered!!!!

They aren't transparent with their cancel policies, they use "dark patterns" during their cancel process to attempt to get you to keep your membership, they use a "code of conduct" to blacklist previous-members phone numbers for filing a complaint with the bbb/ftc (the "code of conduct" referenced doesn't even APPLY to previous-members, only current-members). And their privacy policy email address does not work. Horrible company.

I read all the reviews both personal and business ratings by companies such as Forbes. What a surprise it was to make my first claim in almost four years for my dog and get the “ run around”. I made the claim the middle of June and was assured that this claim would be reviewed by this past Wednesday- 7/ 20/23. Several phone calls and faxes prior to this have been made. Today is Thursday and of course no response to have this claim settled has been offered. (all necessary paperwork has been sent twice ) My payments have been made on time ( drawn from a credit card) and I expect service to live up to their commitment ( usually 2-3 days processing time per their website). I have no recourse but to warn others of the false claims Healthy Paws makes. I am retired and I chose this policy so that I would not have to “ worry” about giving my dog the best care possible even with my being on a limited budget. I wanted that reassurance of a healthcare plan that would take care of my “ loved “ friend if unexpected occurrences happened. I have not received that help or assistance Please be warned and look at other policies . Our “ furry” friends deserve better!! I’m hoping that these comments will be published.