Healthy Paws | Pet Insurance Review

When I started with Healthy Paw ten years ago, the were owned by a different company. Each year my increases were reasonable. When they were acquired by Chubb, I started seeing jumps of 50% or more annually. This year they sent me a notice that my rates were increasing by 150% from $105/month to $257/month. I am gobsmacked by this increase. They sent a long letter trying to justify why they had to up my rate and it was all corporate BS. The problem with changing insurance companies is that no new company will cover pre-existing conditions. So, they kind have you by the balls if you have a pet with a chronic condition. Chubb has no conscience when it comes to exploiting this aspect of pet insurance, knowing that you will probably suck it up and pay the exorbitant increase because of a pre-existing or chronic condition. Not this year. The 150% increase in premium rates is cost prohibitive for me. I did some research and found that there are plenty of insurers out there with the same coverage for far less. The average I found was about $125/month. Don't get stuck with Healthy Paws. They lure you in with a competitive rate and then increase the premiums every year at an excessive percentage. Shop around before getting stuck with them.

It’s terrible having a beloved pet in distress. We knew, however, that Healthy Paws had us covered which made a rough situation far more tolerable.

I've had an excellent experience with Healthy Paws. My 11-year-old Pomeranian has developed a slew of health issues as she's gotten older, and I've never had to worry since everything has been 100% covered with a 70% reimbursement.

I've had Health Pet insurance for my two cats for 9 years with gradual increases in premium. Now on 12/28/25 they increase the monthly from $189 to $471 without my acceptance or approval! And when I see the charge and try to cancel they are "closed" for the holiday! I send and email but when I do talk to an agent am told they sent a notice in October. I go back through all emails. No notice. And shouldn't they require an approval of a jump like that?? Now they don't want to refund it all but prorate from the day of contact snd charge a $14 processing fee! They can send a text to wish your cat Happy birthday but not to tell you you premium is going up almost $300!!

Been very impressed with Health Paws. Have had it for maybe 10 years now and they always promptly pay every claim with no hassle. I wish my human health insurance carrier was as easy to deal with!