Healthy Paws | Pet Insurance Review

My healthy dog on this insurance with no issues since 2019. He got a benign tumor that had to be removed in September. Still not reimbursed correctly for coverage n filing appeals. Going to better business bureau next. Canceled insurance for him n my Maltese pup.

Healthy Paws is a scam company. I signed up well over a year ago. I uploaded all the medical paperwork I had at the time for both my cats. I had just brought both to the vet right before I signed up, so it was nice and easy since both had recent checkups. Flash forward to now. I have had an open claim for a month for a sick cat. She still needs more work, but I can't even get them to approve the first work. They keep telling me they have to deny the claim due to insufficient vet records. They've called the wrong vet twice now, and mine once. They have all the records. Every time I call the rep tells me "we have all the paperwork we need, if the cat has only been to the vet once, right after adoption, then that's all we need" yet every time the claim gets declined. I call back and the rep says "No we have all the paperwork, the adjusters are just like this", they re-open it, then we repeats this song and dance. The goal of this company is to collect your premium monthly (which they keep hiking), then keep you running and decline your claim to avoid payouts.

They raise their rates randomly by A LOT and act like it’s normal. They are also REALLY bad at their job. They have denied claims of mine for things they cover multiple times now leading me to have to appeal. My dog is young enough with no conditions so I’ve removed her and my other 2 cats from their plan. If I could take my older car off I would. I do not recommend them ever. They have an easy website and they seem good on paper. But they’re capitalist scum bags. They raise rates and have offered nothing better and actually they’ve gotten worse. Use literally any other pet insurance company. They will be worth it.

I signed my 2 cats up for Healthy Paws pet insurance in 2013. At that time I was paying about $60 per month for both cats combined which was reasonable. The monthly rate has slowly increased each year since and in 2022 it shot up to $275 per month (both cats combined). I got a notice for our 2023 rate increase and it's now going up to $404 (both cats combined) which is absolutely REDICULOUS! Had I known when I signed up for this insurance that the monthly premiums would increase so much I would have looked elsewhere or just opened a bank account to save for pet expenses. VERY UNHAPPY WITH THE UNREASONABLE RATE HIKES!!!

Healthy Paws insurance was the best decision I have made. My fur baby was diagnosed with cancer this past summer. I would not have been able to afford the very expensive treatments had it not been for Healthy Paws. They reimburse almost immediately. Thanks to them Tucker is doing well.