Healthy Paws | Pet Insurance Review

Healthy paws has been great paying for everything that my girl has needed. I do pay more for them than other companies but they cover all her physical therapy etc. Our premium jumped drastically this year due to turning 8, and they also dropped my reimbursement level and increased our deductible but I’m still sticking with them because they pay for so much and reimburse me quickly, often the next day!

Our dog has been insured with Healthy Paws since 2017. We enrolled him as a puppy with no pre-existing conditions and selected a plan with 90% reimbursement and a $200 deductible. We chose Healthy Paws specifically for the peace of mind that this level of coverage would provide if our dog ever developed significant health issues. Over the years, our premiums increased periodically. While I was not always happy about the increases, I understood that rising costs affect everyone and accepted them as part of maintaining coverage. That changed a few months ago when Healthy Paws increased our monthly premium from approximately $98 to $225.95. Not only was this a dramatic increase, but they also reduced our reimbursement rate from 90% to 70% and increased our deductible from $200 to $500. What is most troubling is that I was given no choice in these changes and no alternative options. When we enrolled in 2017, there was no provision in our policy stating that pets over a certain age would be limited to 70% coverage. Had such a provision existed, I would have reconsidered purchasing the policy. Now, after nearly a decade with Healthy Paws, we have little ability to switch carriers because most pet insurance companies exclude pre-existing conditions. I was never asked to agree to these significant changes. Instead, I received a generic notification email. Healthy Paws built its reputation on providing peace of mind to pet owners. Unfortunately, these changes have had the opposite effect. During our dog's senior years, when insurance matters most, we are paying more than ever while receiving substantially less coverage. In my view, Healthy Paws should have honored the coverage terms that existing customers originally purchased while continuing to implement premium increases as needed to address rising costs. If the company wanted to adopt new coverage limitations, those changes should have applied prospectively to new customers with full transparency from the outset. I am deeply disappointed and can no longer recommend Healthy Paws based on my experience.

We've been with you for almost 11 years. Always prompt payment for the appropriate claims and if I ever had questions ive always been able to call and get them answered.

Our claim was completed in a timely mannner and the reimbursement was outlined very clearly. I felt comfortable with all the decisions and feel we all worked together as a team in the best interests of my dog. I highly recommend Healthy Paws and would like to thank the representatives for all they do.

If i could give ZERO states I would, WORST EVER!!!Effective June 11, 2026, Healthy Paws has informed me that my monthly premium for my current pet is increasing from $293.00 per month to $444.00 per month. That is a 51.53% increase, overnight, with no meaningful justification, no actuarial transparency, and no regulatory oversight. This is not a modest adjustment. This is predatory. This is financial abuse of pet owners who love their animals and have no viable alternatives. THIS IS NOT ACCEPTABLE — AND IT IS NOT LEGAL.These are not the actions of a company offering a legitimate insurance product. These are the actions of a monopolistic entity exploiting a completely unregulated market to extract unlimited profit from consumers who have no recourse.