Healthy Paws | Pet Insurance Review

We are longtime Health Paws clients. On June 5, 2025 we received an email from Healthy Paws, indicating that, effective July 4, 2025 Healthy Paws, will be transitioning their credit card billing services to a third-party vendor, and that they will impose a 2.99% fee on all credit card payments, for Healthy Paws premiums. Previously, Healthy Paws charged no fee for monthly premiums, paid by credit card. In essence, Healthy Paws has increased our already expensive premiums, by 2.99%. That's a lot of money.

We’ve been with Healthy Paws for over 10 years, and sadly, they've been very frustrating and unprofessional. They regularly find ways to deny coverage for certain items on invoices - even those we believe should be covered. When we called to ask why the reimbursements were less than expected, they told us they'd follow up and asked for specific dates/times so they could call us back. But they never called us back. When we did follow up, they brushed us off, claiming we had already been reimbursed - completely avoiding the actual issue. The worst part? We feel trapped. Our dog is now a senior, and switching insurance isn't really an option. If we go to a new provider, any existing conditions likely won't be covered. So HealthyPaws knows we're stuck - and that makes their lack of transparency and accountability even more upsetting. What an UNSCRUPULOUS company. THIEVES. If you're considering HealthyPaws, BE VERY CAREFUL. Read the fine print, track every claim, and know that customer loyalty doesn't seem to count for much. Your premiums will keep going up, and they will never help you, especially when your dog becomes older.

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.

Prices were reasonable as puppies. Now that doggies are 7 years old, the rates keep increasing substantially. This year was $25 per policy for each doggie. Plus, they advised today to implement a 2.99% credit card fee unless I move to ACH. They are part of CHUBB Insurance Company. This is the straw that broke the camel’s back. I’ll just save my premiums and hope for the best with my doggies. Pretty soon the cost will be more that my Medicare Supplement Insurance.

This company truly is 5 stars. I have had them for 10 years and could not imagine pup life without them! They cover claims immediately and even e-mailed me to check on how my fur baby was doing after surgery!!! Beyond caring. While maybe not the cheapest but clearly the BEST!!’