Healthy Paws | Pet Insurance Review

I’ve been a Healthy Paws customer for years with minimal claims over the life of my dog. My monthly premium increased from under $150 to $352.33. Because the account was on automatic billing, the new rate was applied and continued for months before I caught it. Healthy Paws stated that a renewal notice was sent via email and later provided a copy. The subject line reads “Your Pet Insurance Policy Update,” and the premium increase is embedded within a broader message rather than clearly presented as a material pricing change requiring acknowledgment. When I contacted them, I acknowledged the policy terms and proposed a straightforward resolution: move to a lower-cost plan and address the approximately $1,600 in overpaid premiums in a way that preserved the relationship. They declined. I was told no adjustment of any kind was possible. This may meet a regulatory standard. It does not meet a reasonable standard for communicating a material change tied to automatic billing. If you’re evaluating pet insurance, I would look for a company that treats a doubling of premiums as something that requires clear, active acknowledgment—not a single standard notice. That was not my experience.

I’ve been a Healthy Paws customer for 13 years and have insured all of my dogs with them. I’ve always had a $250 deductible with 90% coverage, and I have never missed a single payment in all those years. I believed I was a valued, long‑term customer. Recently, I noticed my monthly premium had dropped slightly, which didn’t make sense. When I logged into my account, I discovered that Healthy Paws had unilaterally changed my deductible to $500 and reduced my reimbursement to 70% — without any clear notice, explanation, or consent. After more than a decade of loyalty, this feels like a complete betrayal. I trusted this company to be there when my pets needed them, and instead I found out major policy changes were made behind the scenes that significantly reduce my coverage. I’m extremely disappointed and frustrated. Customers deserve transparency, especially those who have stayed with a company for over a decade. I hope Healthy Paws reconsiders how they treat long‑term policyholders, because this experience has destroyed my trust in them.

I can't believe how wonderful Healthy Paws Pet Insurance is. Tuesday we had an expensive procedure on our boy and Healthy Paws and by Friday I had my reimbursement from the insurance. They have always been there for me big or small. Thank you Healthy Paws. Melinde Waddle

My little dachshund Romy herniated a disc when running after a squirrel in the yard. She had to have spinal surgery. A very caring and talented VET Neurosurgeon operated on her. Romy has a very good prognosis, she's still with her family, and is having physical therapy to help return her to her former Princess state. Thanks to Healthy Paws for making this all possible for the very grateful Rice family!

Fantastic insurance company. Easy to submit claims and follow thru the process. Quick review and approval. Direct deposit is great! Will use Healthy Paws for all my pets.