Healthy Paws | Pet Insurance Review

I've been with healthypaws for 11yrs+. Throughout my dog's life, Millie has gone through two CCL surgeries and most recently surgery to have some masses removed from her liver. Each time, healthypaws was caring and provided coverage without any hassle. I am so glad that I chose them all those years ago.

Our 5-year old dachshund has been through two very major surgeries and dozens of vet appointments and less serious procedures over the past few years, and not only has Healthy Paws helped with the financial burden, reimbursing within days, they've reached out to provide support as well. We recommend them to all of our friends and family who have all shared with us that their experience has been just as positive. Highly recommend this company for anyone looking to insure your pets!

I just canceled my Healthy Paws policy after watching my monthly premium increase by over 500% in just 4 years. When I first signed up, the price was reasonable, and I genuinely believed I was protecting my dog long-term. But every single year, the premium jumped significantly — without any major claims on my end. They’ll tell you it’s because “more pet parents are using their policies in your area,” but I’ve lived in both rural Colorado and now Oregon, and the excuse is always the same. The truth is: they don't want long-term customers. The younger your pup is, the cheaper the policy — but once your dog starts aging (especially around 6 years old), be prepared for your monthly cost to become outrageous and unsustainable. It's clear that Healthy Paws is focused on maximizing profit from healthy young pets while pushing out responsible pet owners who might actually use the insurance when it matters. It’s disappointing and greedy. This is not a company that supports loyal, long-term customers.

I wanted to share my experience to help others make an informed decision. After 14 years with Healthy Paws, I was forced to cancel my policy due to an astronomical premium increase. Over just four years, my monthly premium jumped 572%. I was already paying $431/month—but then they asked for $776 more per month, bringing my total to $1,207/month. Like many newer customers, I started at a very affordable $34/month and had few issues or increases—until my pet turned 10. After that, things changed dramatically. Age suddenly became the biggest factor in pricing, despite what I had been told when I signed up. The stress, fear, and financial uncertainty this created have taken a serious toll. I now face the reality of having an older pet with pre-existing conditions—hard to be insurable elsewhere—because I trusted the messaging that age wouldn’t be a factor that impacts premiums (simply Google this and see how they publicly stated this, such as an article from Consumer's Checkbook). I believed Healthy Paws would provide lifetime support, but the policy model now feels unsustainable and, frankly, unfair to long-term customers. From my research and reading others’ experiences (especially on Reddit), it seems these extreme increases began around 2020–2021, around the time Westchester Fire and Chubb took over operations. This was once a company I proudly recommended. Now, I feel a responsibility to warn others—especially those with aging pets—about what may lie ahead. If you're reading reviews here, take note of how many 5-star ratings are marked as “Invited.” From my experience, these are often from customers who were prompted to leave feedback after a recent claim or support interaction. That doesn’t make them dishonest—but it does suggest they may not reflect the full, long-term experience. Please look beyond the star rating and read reviews from people who’ve had policies for many years. Healthy Paws may still work well for new customers, but it’s crucial to understand how things may change as your pet ages.

I have had Healthy Paws insurance for my Bernedoodle Wallis since she was a young puppy. I had heard enough true stories of parents that had to make the difficult decision to save their pet or, or the awful choice of letting them go due to the cost of the medical procedures. We have been fortunate that Wallis has been healthy but she has had some medical issues resulting in costs well outside routine vet visits. Most recently Wallis required surgery. These costs are no different than the costs for a human and Healthy Paws covered the costs exactly like the policy I have with Healthy Paws. In the number of claims I have made over Wallis’s seven years, Healthy Paws has met every claim quickly, usually reimbursing within a few days. There is a heartfelt peace of mind knowing that should Wallis ever need very expensive care I would not have to make the unimaginable decision of whether she gets care or I can’t afford it. Wallis will continue to have Healthy Paws insurance for what I hope is a very long life.