Healthy Paws | Pet Insurance Review

If I were leaving this review a couple of years ago after several very positive claim experiences (unlike other reviews here I found the claims process to be quite straightforward and generous), it would be 5s across the board. However, this company has raised our premium exactly 50% in each of the past 3 years, for a currently monthly rate of $273.10. They clearly apply astronomical rate increases as a pet becomes "senior", knowing full well there are no other options and putting owners in an impossible situation due to age and pre-existing conditions. Rate increases are inevitable in this corrupt system, but this practice is truly predatory. RUN AWAY from Health Paws Pet Insurance.

HATE HEALTHY PAWS. DON’T BUY. I started insurance when my dog was 8wks. He’s had health issues, mostly stomach and allergiy-related. They raise my rates $10 every year I use a lot of insurance. Isn’t the point of buying insurance early that you’re protected? I hate it but don’t have much of a choice as he has preexisting conditions now.

I will never use Healthy Paws again. The monthly rates increase a ridiculous amount with no correlation to number of claims, etc. Submitting a claim is very difficult, keep needing more information. Overall a terrible company.

Have had HP for several years but was never happier to have them than when one of my dogs was diagnosed with cancer this year. The the claim filing UI is simple and the process from filing to reimbursement is generally rapid. And their customer service has been absolutely delightful the handful of times I've had to discuss a claim. Highly recommended.

We paid their steep monthly premiums for years and when our German Shepard needed treatment for an ear infection, they refused to reimburse us. *update: they claim I never sent them the necessary records to process our claim. I sent them the records we have for our dog and explained that we adopted her and there are no records beyond that. They basically have a de facto policy of being able to deny all claims to adopted dogs, but will not actually say that, and they won’t make these policies clear until you’ve paid them lots of premiums over the years. Save your money- don’t buy pet insurance, just be prepared to pay out of pocket.