Healthy Paws | Pet Insurance Review

Healthy Paws was one of the best! Good coverage and claims response. Cost increases were acceptable, at about 10% per year. Then, suddenly, the rates have more than doubled. My daughter who also has her dog insured with HP, reported the same doubling of her rates. What gives?

My policy has increased 40%. I noticed on my card statement and was shocked because I never received an email. It was not until I checked my healthy paws account that I noticed the notification. I do not recommend this company. I thought my 40% increase was bad, I’m seeing others who have had an increase upwards of 100%. Also, some of the most recent positive reviews seem off….

Healthy Paws processes claims very quickly I’m very happy with them

Our recent trip to the emergency vet was scary, stressful, and expensive. Thankfully, our 11-year old Bichon was given the excellent care that she required and knowing that we had Healthy Paws insurance for her gave us the reassurance to go ahead with the treatment needed to bring her home. Submitting our receipts couldn't be easier, and our reimbursement arrived within a week of her ordeal. I would recommend Healthy Paws for any pet parent that is looking for peace of mind and the ability to offer quality care for their beloved pet.

I’ve been a Healthy Paws customer since January 2022. For three consecutive years (2022–2024), I submitted my claims annually and every single one was approved. This was my established, accepted practice, and it aligned with the policy language at the time I enrolled (claims allowed within the policy period). In 2025, multiple claims were suddenly denied because they were not submitted within 90 days of treatment. This was the first time I ever heard of a 90-day rule. When I contacted customer support, I was told the policy had “always” been that way — which directly contradicts both my prior approved claims and reports from other Healthy Paws customers who still have their original contracts stating claims could be filed within the policy year. Most concerning: I was never clearly notified of this change. No email No prominent notice Only a buried message in the online portal, which I was never alerted to At the same time, my premium nearly doubled, my deductible increased from $250 to $500, and my reimbursement dropped from 80% to 70%. So I’m paying significantly more for significantly less coverage — plus stricter claim rules that were not properly disclosed. This feels like a classic bait-and-switch. If you’re considering Healthy Paws, be extremely careful: policies can change quietly, past claim approvals do not protect you, and long-time customers can still be blindsided. I’m sharing this so others can make an informed decision — I wish I had known.