Healthy Paws | Pet Insurance Review

After eight years with Healthy Paws, my premium is increasing from $155.33 to $339 per month — a 118% jump. What began as about $35 per pet has now risen to $131 for one dog and $208 for the other starting in August. I understand that premiums can increase due to age, inflation, and rising veterinary costs. But an increase of this magnitude feels extreme and was never clearly communicated when I enrolled. Reasonable adjustments are expected — doubling the premium is another matter. Because of this increase, I ultimately had to cancel the insurance. What makes this particularly frustrating is that for one of my dogs I paid premiums consistently for years and barely used the policy. The explanations provided so far (age, region, veterinary trends) are very general and lack transparency. Without concrete data or clear rate filings, it’s difficult to understand how such a dramatic increase is determined. I chose pet insurance so my dogs would be protected as they age, not so I’d be priced out of coverage when they might need it most. At the very least, long-term customers deserve clearer transparency around how premiums are calculated and why increases of this scale occur.

We've had Healthy Paws for a few years now, and the experience has been excellent. Claims are processed quickly and the coverage for accidents and illnesses has been very reliable.

Hi love Healthy Paws! And I think the coverage is fair! The ONLY note I would have is I would love if Healthy Paws looked into covering herbal/holistic treatments!

After paying for years and never filing a claim and wondering if it was even worth it, I just had a huge claim out of nowhere, and Healthy Paws paid without a fuss. It was a huge relief not to have to argue with an agent or fight over line items (let alone be on the hook for the whole bill, which was...daunting).

Healthy Paws is an amazing company. Every claim I submit is handled within 2 days, and every explanation (EOB) is clear and accurate. Unfortunately, my pets have had some pretty severe illnesses, and nothing is ever questioned. They are very fair, and I cannot imagine making care decisions without Healthy Paws.