Healthy Paws | Pet Insurance Review

I enrolled my Boston Terrier with Healthy Paws in 2019 and was a loyal customer for 7 years, paying premiums faithfully with a 90% reimbursement rate and $250 deductible; the coverage I was sold on at enrollment. At my dogs 2026 renewal, Healthy Paws informed me that my coverage was being unilaterally downgraded to 70% reimbursement and a $500 deductible. No negotiation, no exceptions, no alternatives. On a significant claim, that difference exceeds $1,000 out of pocket. When I disputed this, their customer service responded in writing with two reasons: my dogs age (7) and the ‘long-term sustainability of their program.’ Not my claims history. Not my payment record. His age and their bottom line. This is coercion by design. They advertise lifetime coverage and no caps on claims but what they don’t tell you at enrollment is that your reimbursement rate and deductible will be systematically reduced as your pet ages (in my dogs case 7yrs), precisely when pre-existing conditions develop and switching insurers becomes impossible. That is deceptive advertising. By the time your pet needs care, you have nowhere to go and no leverage. You are not a customer, you are trapped. The point of pet insurance is to have coverage when your pet needs it most, which is when they get older. Healthy Paws reduces your coverage exactly at that point, and they will tell you so in writing. Do not enroll your pet with them, or you risk paying years of premiums only to find your coverage reduced precisely when your pet needs it most, which is the entire reason you signed up for insurance in the first place.

when you have a sick dog last thing you want to worry about is a vet bill.Healthy paws takes the worry out of that.And pays your claims 100% HAPPY with Healthy Paws.My dog is 9 years old had HP since day one

I enrolled my Boston Terrier with Healthy Paws in 2019 and was a loyal customer for 7 years, paying premiums faithfully with a 90% reimbursement rate and $250 deductible; the coverage I was sold on at enrollment. At my dogs 2026 renewal, Healthy Paws informed me that my coverage was being unilaterally downgraded to 70% reimbursement and a $500 deductible. No negotiation, no exceptions, no alternatives. On a significant claim, that difference exceeds $1,000 out of pocket. When I disputed this, their customer service responded in writing with two reasons: my dogs age (7) and the ‘long-term sustainability of their program.’ Not my claims history. Not my payment record. His age and their bottom line. This is coercion by design. They advertise lifetime coverage and no caps on claims but what they don’t tell you at enrollment is that your reimbursement rate and deductible will be systematically reduced as your pet ages (in my dogs case 7yrs), precisely when pre-existing conditions develop and switching insurers becomes impossible. That is deceptive advertising. By the time your pet needs care, you have nowhere to go and no leverage. You are not a customer, you are trapped. The point of pet insurance is to have coverage when your pet needs it most, which is when they get older. Healthy Paws reduces your coverage exactly at that point, and they will tell you so in writing. Do not enroll your pet with them, or you risk paying years of premiums only to find your coverage reduced precisely when your pet needs it most, which is the entire reason you signed up for insurance in the first place..

This company used to be amazing! However, they were purchased by Chubb, outsourced their customer care team and not it is almost impossible to have a conversation with someone about a claim or your account. They are fast when submitting a claim, however if anything gets denied and you need to appeal, or need to further provide more information on a claim, you rarely get a response and there is no way I have found to get in touch with anyone to escalate. Wish they were as good as they used to be, my dog now has preexisting conditions so I am stuck with them, but when I get another dog someday, these recent experiences will have me looking for another company.

Dr. Ian Gilson is so kind, knowledgeable , and helpful with my sweet old dog. The whole staff does a wonderful job!