Healthy Paws | Pet Insurance Review

Healthy Paws is the absolute worst in pet insurance. I have had my 12-year old dog insured through them since he was a baby. They have crazy increases in premiums each and every year, but this year is the worst. As of August, they informed me that his reimbursement rate will decrease from 80% to 70%, and his monthly premium will increase from $287 to $397, a nearly 40% increase. This company claims to love pets and their owners, but they are obviously only interested in making money. To raise a monthly premium by 40% while decreasing the coverage, especially as the dog gets older and will need the insurance more, is a disgrace. I would never recommend any pet owner use this insurance company.

I am absolutely disgusted by Healthy Paws’ recent policy changes for pets over 7 years old. After being a loyal customer for more than 10 years, I never expected the company to effectively reduce coverage just when senior pets are most likely to need it. Healthy Paws has downgraded reimbursement rates and more than doubled deductibles for older pets, leaving long-time customers with significantly worse coverage despite years of faithfully paying premiums. Many of us purchased pet insurance specifically to protect our pets as they age, yet Healthy Paws appears to be changing the rules once pets reach the stage of life where coverage matters most. What makes this especially frustrating is that existing customers are essentially trapped. After years with the company, switching insurers often isn’t a realistic option because of pre-existing condition exclusions. Healthy Paws knows this and still chose to reduce the value of coverage for senior pets. Numerous pet owners have reported similar changes affecting pets aged 7 and older at renewal. This is a terrible way to treat customers who have supported your company for a decade or more. Loyalty clearly means nothing when corporate profits are put ahead of the people and pets who trusted you. I can no longer recommend Healthy Paws to anyone considering pet insurance. If you’re shopping for coverage, pay close attention to what can happen when your pet gets older—because that’s when you find out what kind of company you’re really dealing with.

Great pet insurance company. My dog was just diagnosed with lymphoma and has started his first week of chemotherapy. The first claim filed was expediently processed.

They processed my claim immediately and the money was in my account the next day.

The claim is easy to file online, and the response time and reimbursement were processed very fast!