Healthy Paws | Pet Insurance Review

A horrible, dishonest company that only cares about taking as much money from you as possible. I wish I'd never signed up. First of all, they were recently sold or acquired by Chubb, and since then the customer service and coverage has gone way down and the costs have skyrocketed. They tried to force me to accept a new monthly premium that was more than twice what I was paying before every month for considerably less coverage. Also, no matter your deductible, they apply your *reimbursement percentage* to your net bill. So if your policy is for 90% reimbursement and you pay $500 for your pet's care (all covered procedures/medications under your policy), and your deductible is $250, you're probably thinking they'll reimburse 90% of the rest of your bill, which is $250. Except these greedy hacks actually reduce your entire bill by 90% before applying the deductible, so by their assertion your bill was only $450. Your maximum reimbursement will always be less because of their unfair math. I canceled my policy immediately and went to a competitor. Better coverage and a much lower premium. I really hope this company goes out of business for their predatory approach to pet lovers. I'm sorry for all the good-hearted people who work there but the company's soul is black.

Healthy Paws has provided coverage for my fur babies consistently. Reimbursements are timely and explanations for items not covered is clear. This company has been consistent with its service and has allowed me to focus on my fur babies instead of worrying about the finances.

I have been a customer of Healthy Paws Pet Indurance for over ten years, never filed a single claim until June of 2025, then filed two more small claims in Oct 25, before policy more than doubled to $163/ mo. Since these claims were filed, I have uploaded Doctors notes from all visits, my pet's most recent history, and several other details from historical vet visits, However, my claims have all been denied, ignored or just not even looked at, in fact, i've had zero response from healthy paws, i've spent 4 hours on phone calls with over five representatives they could have cared less. I doubt there service reps are even located on this Continent, likely not. So why would they care??? This company is a SCAM and they're set up to take your money and never pay these claims. PLEASE DON'T EVER USE HEALTHY PAWS PET INSURANCE, TELL YOUR FRIENDS AND ANYONE YOU KNOW - YOUR HARD. EARNED MONEY IS TOO VALUABLE TO GIVE TO THIS ABSOLUTE SCAM OF A COMPANY ANYTHING EVEN YOUR TIME.

They state they don't raise rates for claims, but my premium has tripled over several years. I reduced coverage from 70 to 60% recently because of cost, changed my mind, called back the SAME DAY and they won't allow 70, 80, or 90% coverage anymore. When you ask them why you just get nonsense answers with no evidence such as "rising veterinarian costs, local rates". They have corrupt business practices and then you're stuck with them.

Healthy Paws has excellent coverage for non-routine care and processes claims with astonishing speed. They are clear up-front that they don't cover routine care or exam fees, even if the exam is for a non-routine problem, but they do cover a wide range of rehab in addition to surgery, as well as any emergency expenses. Our premium started at just over $40 and has risen to just over $120 in five years, but I still consider this a good value for the peace of mind and breadth of coverage. However, our dog did just turn 7, and it appears the policy will drop to 70% coverage with an increase to a $500 deductible when we hit a new policy year. I know there is currently a lawsuit pending. If these changes are made alongside a premium increase, my 5-star rating will drop.