Healthy Paws | Pet Insurance Review

I've been with Healthy Paws for 10 years, and every single year they've increased my premiums. At some point, they got very egregious with the scaling. In the past three years alone, it went from $60 to $100 to $140. Now what they want to do is reduce my bill by $5, but reduce my coverage significantly. They are going from a $250 deductible to a $500 deductible and from 90% coverage to 70% coverage for $5 a month in savings. This is absolutely nuts.

All the reviews here are from people whose dogs are in the pre rug-pull age. Healthy paws is a scam. They lock your young (and healthy) pets into a 7 year cycle of paying premiums - then as soon as the pet hits 7, premiums will jump sharply, and coverage disappears - and you have no choice My premium started at maybe $40 a month, and is now $230 after paying easily $15k or more in premiums. Coverage was 90 percent reimbursement and was changed to 70 (no choice given). They know older pets won't find insurance elsewhere if you shop. So they eat up years of premium, and screw you over when your pet no longer has a choice of price shopping. This used to be a standalone company I think, then bought by "big business" and enshittified. Do not buy from these big businesses scammers, they care only about stock prices and profits.

Very satisfied, My pittie Freddie tore a ligament in his leg, surgery, xrays were $9,000, I summited invoices, with few days money was sent to my checking account, such a relieve, paid my charge card yeah

I have had Healthy Paws insurance for the last 16 years for 4 cats. Filing a claim is easy, short and hassle free. I have never had any problems gettting reimbursed. Fast payment as well.

You are better off just setting aside the premium you would have paid them and investing or saving the money yourself. They are awful. They don't cover anything, they raise the prices considerably every year and lower the coverage, raise your copay etc. Also they don't cover any exams. Even if you bring a sick pet in, need emergency blood work, etc. They just call it an "exam" and won't pay for ANYTHING. Don't use them. I got stuck with them because when it came time to finally use the coverage I'd been paying for years for, my dog was older and so any pre existing conditions made me stuck with them. Sign up for a wellness plan with Chewy or some place like that, save your cash for when you need emergency care. Healthy Paws will do EVERYTHING to make sure they cover as little as possible. Literally made me hate pet insurance! So mad at myself for being stuck with them. I warn everyone not to get trapped into using them.