Healthy Paws | Pet Insurance Review

Healthy paws has just increased my monthly premium from $250 to over $600 per month. This is outrageous and they appear to be blaming it on our state (California, the usual whipping boy for everyone). I have been a customer for many years with barely any claims. One of my dogs is older now and for almost the first time, I have made sizable claims so I’m pretty sure this is the real reason. But…..this is precisely why you pay into insurance from when they were puppies(in our case 8 weeks old) ….. so that all the years you pay premiums and claim nothing are at least partially offset by the claims you have to make when they age. I don’t know why they couldn’t make up the shortfall (if this story about what our state requires is true) on the back of new customers instead of shafting existing customers. Now I have to look for a new insurer for a dog with preexisting conditions. Shameful!

I’ve been a happy Healthy Paws client for more than a decade. They’ve covered multiple dogs with multiple issues, including major surgeries, all without any issues. Their claims process is amazing - I can submit a claim before I even get home from the vet and receive my reimbursement in just a few days. Their team is friendly and professional and they genuinely care about their clients and their pets. Cannot recommend them highly enough!

Healthy Paws used to be a great company, but greed has completely taken over. I’ve insured my two dogs with them for nearly a decade, since they were puppies. At first, the price increases were small—$35 per pet per month, then $45, then $65, then $90. Every year, the cost crept up, but I stayed loyal, thinking it was just inflation. Then, after they were acquired by a larger company, they went full-on exploitative. My monthly premium was already an outrageous $243 for both dogs. But now? They expect me to pay $530 per month—more than double! No changes to coverage, no justification beyond their corporate greed. It’s clear they’re preying on loyal customers with older pets, knowing we have fewer options because of pre-existing conditions. It’s disgusting and unethical. They’re banking on pet owners feeling trapped. Well, I refuse to reward this behavior. I’ll find another insurer—even if it costs more—just to ensure my money doesn’t go to a company that puts profits over pets. Do yourself a favor: stay far away from Healthy Paws. They don’t care about your pet—only your wallet.

Wow… writing this review is a total no-brainer! We have a tendency to adopt the most wonderful but medically “high-maintenance” pups, and honestly, we shudder to think what life would’ve been like without Healthy Paws these past nine years. Heartbreak? Definitely. Tears? Countless. Bankruptcy? Highly likely. But let’s not dwell on that horror story—because here’s the good part: Healthy Paws is, hands down, the most exceptional company we’ve ever had the pleasure of working with. We truly can’t imagine navigating life with our dogs without them in our corner. There’s a kind of surreal magic in being handed a vet estimate that rivals the cost of a (decent) used car… and not even flinching. We get to say, “Do whatever it takes to help our babies,” without financial panic setting in. That peace of mind? Priceless. From covering the costs of removing Stringer’s recurring mast cell tumors (we're talking 2–3 times a year for seven years) to helping us get Ella through major knee surgeries at just two years old—surgeries that gave her a pain-free, active life and prevented future hip dysplasia—Healthy Paws has shown up for us every single time. Their support has made an enormous difference in our lives, and we are endlessly grateful. We tell literally every pet parent we know: Get Healthy Paws. Your future self and your fur babies will thank you.

Healthy Paws paid all claims immediately and helped ease the burden of our vet costs for the past 10 years.