Healthy Paws | Pet Insurance Review

I just canceled my Healthy Paws policy after watching my monthly premium increase by over 500% in just 4 years. When I first signed up, the price was reasonable, and I genuinely believed I was protecting my dog long-term. But every single year, the premium jumped significantly — without any major claims on my end. They’ll tell you it’s because “more pet parents are using their policies in your area,” but I’ve lived in both rural Colorado and now Oregon, and the excuse is always the same. The truth is: they don't want long-term customers. The younger your pup is, the cheaper the policy — but once your dog starts aging (especially around 6 years old), be prepared for your monthly cost to become outrageous and unsustainable. It's clear that Healthy Paws is focused on maximizing profit from healthy young pets while pushing out responsible pet owners who might actually use the insurance when it matters. It’s disappointing and greedy. This is not a company that supports loyal, long-term customers.

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.

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.