Healthy Paws | Pet Insurance Review

Healthly Paws is wonderful and very easy to file claim and very quick payments ....Having Pet insureance is a must !!! So when things go bad cost is not what you need to worry about ... Thank-you to Healthy Paws for never making me choose between my best friend and cost

Once we signed up for immediate reimbursement (zelle) , Chubb's quickly and decently evaluated the vet's bill and then immediately made a fair payment. I hate the crazy monthly charge, but am sure glad we kept the insurance.

I have had Healthy Paws for 9 years. Not one complaint. Expeditious reimbursements, true to their guaranteed coverage guidelines. Highly recommend. *****

I’ve been with Healthy Paws since 2017 and insured my dog continuously for years. During that time, I submitted only a handful of very small claims — none of which ever exceeded my annual deductible. For most of the policy’s life, Healthy Paws essentially collected premiums without paying anything out. Recently, my dog had a legitimate health issue for the first time that actually resulted in a payout. Coverage worked as expected, which I appreciated. However, almost immediately after this first meaningful claim, my premium increased significantly (>230%). The timing makes it difficult not to feel like premiums stay reasonable only as long as you don’t use the insurance — and once you do, pricing adjusts sharply regardless of your long-term history or prior low utilization. I understand that pet insurance is risk-based and premiums can increase over time, but after nearly a decade of loyalty and minimal claims, the increase felt disproportionate and discouraging. It undermines the trust you build by paying consistently for years in case you ever actually need coverage. Advice to others considering Healthy Paws: Healthy Paws does pay claims, but be prepared for substantial premium increases once you file one that matters — even if you’ve been a low-risk, long-term customer. If you’re evaluating providers, look closely at how they handle premium adjustments after claims, not just initial pricing.

Healthy Paws has been such a relief during a really stressful time with my dog, Dani. Their system is incredibly easy to use, and they paid for a large portion of her most recent illness, which took a huge weight off my shoulders. Vet visits are already emotionally draining — having an insurance company that actually comes through and doesn’t make the process difficult makes a world of difference. I’m truly thankful for the support and peace of mind Healthy Paws provides.