Healthy Paws | Pet Insurance Review

I signed up, received my quote, gave ALL of the information I had regarding my new rescue, paid, etc. THEN my dog age something outside and needed to be seen by 2 emergency vets. I paid the deductible and was reimbursed for a small portion. Okay. THEN they decided to raise my rates by almost double because one emergency vet led with ONE of his breeds. He is a rescue that DNA revealed is 48% Bernese and 52% King Charles. Healthy Paws said he would be much larger than I had reported and told me that they do not take DNA results stating that the vet would be the one to determine the breed. What?? My daughter's rescue came back with 8 breeds when a DNA test was done!!! So, a vet can say that a pup has 5% Chihuahua, 10% Lab, and such. NO! I had DNA done to report in good faith. When my vet said he would not even hit 30 pounds, perhaps only 25 (because she is a mindreader) they wouldn't budge at the new price. They put it "under review" so I waited a MONTH and finally just decided it was not worth it because calling a bunch of times, paperwork, resubmitting all of his records was never enough. In the end, it was a big waste of money and time!!!

Healthy Paws used to be great. This is my 10th year with them. But earlier this year, they were sold to Chubb. Ever since they changed ownership, it has been awful! My monthly rate is now over $400 per month for a 10-year-old golden, and they suddenly reduced my 80% coverage down to 70%! In addition, claims that were once easily approved using my Vets invoice are now denied each time. I used to tell all my friends to use Healthy Paws, but I am now going to tell everyone I know to stay away from them. Be warned! Most of the positive reviews are likely from how great Healthy Paws USED TO BE, but now that they were sold to Chubb, THEY ARE HORRIBLE!

After 8 years of paying Healthy Paws Pets insurance for my dog (now aged 10), this company does not have respect or courtesy to long time patrons. My dog came from a rescue as a mixed breed. I may have assumed or written down a “chihuahua mix” in paperwork at the veterinary clinic we go to. (Also, chihuahuas are known to live longer lives bc of their size.) After I have reduced coverage to 50% with a $1000 deductible. Used to have 80% coverage with a $500 deductible. I’m still paying almost $100 a month, they send me an email telling me that if my dog is a chihuahua mix that they are increasing my premium and if she’s not, my vet will have to fax them with the proof! I’ve never had a DNA test and I wasn’t about to pay for one just bc they are disrespectful about it and bullying me. Never once in 8 years was there any mention of a problem with my rescue dog’s mixed breed. My dog has been healthy all these years. What a waste of money. Just set aside $50-$100 a month for your pet. Do not waste it on pet insurance with a company that is discriminating pet’s breed and age and try any excuse to increase your premiums. They are very disrespectful. They left me on hold for 30 minutes and when the call dropped they didn’t call back and I waited another 25 minutes. They are the worst!!

I’ve had Healthy Paws for about 9 years now and I just recently filed my first claim (s) . I found the process to be very easy and efficient. It was reassuring to know that I had insurance during the emergency situation. Even more reassuring to see that they actually come through when needed and they did without any hassles or hold ups.

I have used Healthy Paws for insurance for my 2 dogs for over 10 years now and it's an awesome company. The customer experience they provide is excellent! Highly recommend.