Healthy Paws | Pet Insurance Review

Monthly premiums keep going up well above competition. But they know you’re stuck with them if your pet had any condition that a new insurer might consider a preexisting condition.

I am not one who typically writes review, however, I feel a need to do so to protect consumers from Healthy Paws. We have been a Healthy Paws customer for years. Our monthly premium started at $35/month, then went to $50/month, then $112/month, and yesterday we were advised that it was now going to be $248/month. We have had no claims in all of the years that we have been with them and thus, we called them to have them explain the premium increase (which represents a 112% increase in only 1-year). When we talked with customer service, they indicated a. the cost of veterinary services have increased over the past year, b. the overall number of claims in CA increased, and c. my dog is older (yes, like previous years he is 1-year older). I have the feeling that Healthy Paws knows that once you sign up with them, you are not likely to switch due to waiting periods and given this, they feel they can charge whatever they want at each renewal. Based on this, we dropped Healthy Paws and went with another recognized provided at less than half the cost, with a higher company reimbursement % on claims (90% vs 60% with Healthy Paws) and lower deductible ($750 vs $1,000 with Healthy Paws). I stronger advise anyone considering Healthy Paws to RECONSIDER - Healthy Paws might appear to have a lower initial premium, however over the life of the policy, I assure you their cost with be significantly higher. Do not get lured into their predatory pricing policy. To all those who rated Happy Paws 4-stars, please read all of the 1-star reviews for unfortunately, you are going to be facing the same situation in the near future. To those that are reading these reviews to try to determine whether you should go with Happy Paws, I hope all of these 1-star reviews will provide you the information you need to make an informed decision, to go with someone else. SUBSEQUENT NOTE: In response to my post, Healthy Paws commented below that they would welcome a call from me to discuss my comments. I would note that prior to me posting my review, I did talk with a customer service representative who simply said that rates have gone up due to increased cost of veterinary services (to me, it seemed like they were reading off a script) and then when I talked with a supervisor, they were also reading off the same script and had absolutely nothing to offer nor did they care that we had been with them for 11 years. Thus I stand by my review - AVOID Heathy Paws, their predatory pricing, and their complete disregard for customer loyalty. If I could give them less than 1-star, I would.

Fast reimbursements, they don't need tons of additional paperwork during a stressful time. It's been really straightforward to use Healthy Paws for our pets!

I’ve been a customer of Healthy Paws Pet Insurance for over 11 years, and I’m extremely disappointed with how recent changes to my policy were handled. My main issue is that my dog’s deductible was effectively changed mid-policy year. My dog’s deductible period runs May–May, and I had already fully met the $250 deductible for the current policy year. Before the March 11 policy anniversary, I had a lengthy call with a supervisor specifically to understand how upcoming changes that Healthy Paws forced on me would be applied. I was told that this dog’s deductible would reset in May. However, after the March 11 change, I was required to pay an additional $250 before reimbursement resumed- effectively turning a $250 deductible I had already satisfied into a $500 deductible months before the stated reset date. While Healthy Paws did notify me in advance that my reimbursement would be reduced from 90% to 70% and that my deductible would increase from $250 to $500 (which I was also very unhappy about), what was not clearly disclosed was that this change would be applied in a way that overrides an already-met deductible mid-cycle. I have reviewed the entire 11 years of policy documents and have not found anything that clearly states they can change a deductible mid-policy year and require additional payment after it has already been satisfied. To make matters more frustrating, the policy anniversary date (March 11) is tied to when I enrolled my first dog, yet my second dog’s deductible period remains on a different schedule (May–May). This mismatch creates a confusing situation where policy changes are applied at one time, but deductibles are tracked on another- making it very difficult for customers to understand what they actually owe and when. I have since reached out to Healthy Paws for clarification on this issue and was told that one of their “Licensed Insurance Producers” would contact me, but they did not. After more than a decade as a customer, I do not feel this situation was handled transparently or fairly, and I’m sharing this so other pet owners are warned how these changes may be applied in practice.

I cannot thank Healthy Paws enough for always being there for my zillion claims that I have had to submit for my poor dog, Ruby Skye. The last one was because she got ahold of a candy bar containing chocolate and raisins. Because of the Airvet App they have generously provided, I was able to reach out to a vet at midnight to get advice. I took her to the emergency room right away because of their quick response which probably saved her life. She was later admitted to the hospital to flush the toxins from her system as her kidney numbers kept climbing where she stayed for two days. I am beyond grateful that the vet at Airvet was there when I needed him and Healthy Paws reimbursed me for most of the expenses.