Healthy Paws | Pet Insurance Review

DO NOT BUY THIS INSURANCE. First this company relies on inviting people with good initial feelings about the company to leave reviews. Notice how many people that weren't invited have made bad reviews. Because they don't want us heard. Being over a barrel with increases and when asking for more information you are dropped. I used to tout great things for this company and this year I received 100% increase on my pet insurance. Which made me angry and I feel like it needs to be fought. So first, I'm sorry for the people that I told to use this company. I could've understood a 25% increase maybe even 50% but with a 100% increase and their lack of customer service. (Before claims would be processed and paid in 24 hours, now it's days, and predominantly a week later for a claim to be paid). They were ordered to pay 4.7M to policy holders and I received a measly $13.39. The bottom line. DO NOT USE THIS COMPANY. My original policy stated that age wouldn't be an issue and the increases were minimal at most of a 50% increase after COVID. I have decreased my usage of the ability to use the insurance due to their change in coverage and with this increase they are changing my policy to 70% and increasing my deductible by 100% to $500. The bigger issue is they are lobbying for this to be "okay" with our state and nationwide representatives. How is that allowed? Lobbying for them to be able to screw us all over? I have a mini dachshund, they were aware with her breed that she would possibly have IVDD or other long body dog issues. My rate started and stayed at $32 for over 3 years then after a year of me making no claims it was raised 100% to $64. I felt like this was still acceptable, okay, fine we had some issues then she had to have back surgery and I was thankful I was paying the "premium" level of top coverage. There was a small increase to $85 two years ago, and no rate increase last year. THEN this year to get the 100% increase notice. I started doing research and people across the board were receiving 100-700% increases. This is not okay. On two counts 1) they know you can't go anywhere else. They have you over a barrel. 2) They are lobbying that pre-existing conditions are still not covered and it continues to be that way for all dog insurance. How is this okay? Human insurance is pretty close to the same cost and we fought and won to not have these clauses. This is a monopoly based approach of trying to get you to leave and then not be covered anywhere. This isn't right and I'm shocked that this is being allowed. So to end this, I'm deeply saddened a "good" company was bought out by a huge insurance conglomerate and they are making our lives hell. I'm sorry I ever referred people to this company. I'm sorry that I believed that this company was the best of the best. Initially, they really were. But they sold out and it is to our own deficit, not theirs. It appears that the second your dog hits 8-9 years old the rate will double if not quadruple AND YOU WILL BE DROPPED if you push the issue. Healthy Paws is also owned by Chubb, the company that provided a $91.6 million dollar bond to Trump in his civil lawsuit appeal. Chubb can give almost 100 million dollars to a child rapist, but hikes up prices 646% on disabled pet owners. It's shameful! What we really need is industry regulation!! Chubbs aka Healthy Paws has spent this amount lobbying for their needs, not yours - 2025 (Jan–Jun): $1,560,000 so far. 2024 (full year): $2,756,000 total — $2,556,000 attributed to Chubb INA + $200,000 from a subsidiary (Rain & Hail) Because HP has gotten out of control with greed. Look elsewhere! UPDATE: To the wonderful fat lie of a response on you would love to talk about this...GIVE ME A BREAK, I spent weeks trying to talk with someone about this, I was hung up on twice my emails went unanswered and when they were answered they did not address the issues. So,when your staff told me that the rate was being increased across the board for everyone I did some research as this is a false claim. The policy holds that have had dogs with claims are the ones getting the increases not the ones without claims. AND when I was told it was because vet costs went up I did some more research and this is again false, since 2023 vet prices have remained stable. So what you are doing is not only unethical just to make your shareholders money. It's because that's what Chubbs does. Look at their record earning releases this year. Gotta make more money for them in the most unethical way possible. Well Washingtons state got the lawsuit once and this time I think it's going to be MUCH bigger as unethical is just bad business, unlawful is that UN LAWFUL

Healthy Paws had a quick review and reimbursement payment of claims after my dog went to the emergency animal hospital for advanced pneumonia for several days that resulted in a very expensive stay. I was able to pay for services before charges hit the credit card. There was enough stress as to whether she was going to make it to not have to worry about costs of medical bills to keep her alive and then recover. My dog is doing very well now. Healthy Paws even checked in with me after my dog returned from the hospital to see how she was doing afterwards. They I would highly recommend this pet insurance to anybody as it was also reasonably priced and was worth it for peace of mind and return on investment for a beloved pet and they actually cared as did not have to reach out afterwards. Thank you so much again!

Don't be deceived by the tons of fake "invited" reviews the company is producing in order to counter the very real and legitimate continuing trend of negative reviews. Healthy Paws has completely gone down the toilet and is utter garbage now. I had them for my previous dog over a decade, until she passed away a few years ago and they were very good. Took care of everything with only minor issues. So, when I got a new dog, I obtained a new policy with them without question. BIG mistake. Should have read the reviews on places like Reddit and here to see what a trash heap they have become. Healthy Paws of old is gone, and the new Healthy Paws is about massive policy increases and endless garbage BS excuses to not pay claims. Refused to pay my 4 digit medical bill for a procedure I approved because I was confident they would pay, but they refused. Communication is horrible, denials are just arbitrary, appeals non existent, phone support is off shored trash where they just read a script, customers regularly document insane premium increases of 100s of % from their starting point. Stay FAR away from this dumpster fire of a company and do not let them cheat and deceive you with their sudden flood of "positive" reviews they purchased with "invited" positive feedback.

Healthy Paws is a life saver!!! Without this insurance I would not have been able to afford her medical bills, I can’t thank you enough!!!

I’ve been with Healthy Paws for over 12 years, insuring my dog since she was a puppy. I used to recommend them to everyone. But now, I’m paying almost 400% more than I did in 2023 as my monthly premium has jumped from around $130 to over $510. Healthy Paws blames “rising veterinary costs,” yet veterinary inflation has been closer to 10–15%, nowhere near the massive hikes so many of us are facing. This isn’t an isolated case. I encourage you to scroll through forums or Reddit and you’ll see countless pet owners reporting the same thing. Once your pet ages, the rates explode, and switching insurers becomes impossible because pre-existing conditions are excluded. It feels like they’re banking on your love for your pet to keep you trapped. Pet parents deserve transparency and protection. These increases are predatory and unjustifiable. I’ve filed a complaint with the NJ Department of Banking & Insurance and contacted state leadership to push for regulation. I urge anyone reading this to think twice before signing up as the peace of mind you think you’re buying could turn into a financial nightmare later.