Healthy Paws | Pet Insurance Review

I have been a faithful customer of Healthy Paws singing their praises since 2017, starting at $50 a month for a 2 yr old dog. Each year they raised my premium until it is now $183 a month, even though I only filed a couple of small claims each year and they do not cover vet exam fees. Now all of a sudden they increased my rate to $467 a month which is a 255% rate increase. When questioning customer service why, it was obvious they no longer cared about me. I was told to do $1000 deductible at 50% reimbursement, but my premium would still be almost double what I am paying now and with a $1000 deductible I would never be able to use the insurance. NOT ACCEPTABLE! They claim it is because vets have raised their prices so much in California that the company is not sustainable. Strange because my two vets have not raised their rates for over 4 years and if that were the case why are other insurance companies charging a lot less? Wouldn't they not be sustainable either if that were the facts? My online research shows they had to pay out approximately $4.6M to customers for a class action suit they lost a few years ago in another state. Could this be the reason? I faithfully paid all my premiums for eight years on time and hardly filed any claims. Now I am forced to shop for insurance with pre-existing conditions like allergies or arthiritis which is totally unfair business practice. Be aware! They could get rid of you too, by raising your premium exhorbitantly when your dog reaches a certain age. Read ALL the reviews before signing up because it appears I am not alone.

I've been a loyal customer of Healthy Paws Pet Insurance for 20 years, and I couldn't be more satisfied with their service. Throughout the years, they've consistently provided comprehensive coverage, prompt claim processing, and exceptional customer support. Their dedication to my pets' health has given me peace of mind, knowing that unexpected veterinary expenses are covered without hassle. The claims process is straightforward, and reimbursements are quick. Healthy Paws truly cares about pets and their owners, making them an invaluable partner in my pets' well-being. I wholeheartedly recommend them to any pet owner seeking reliable insurance.

I’ve been a loyal Healthy Paws customer since we brought our puppy home 10 years ago. In all that time, I never missed a payment and only submitted a single claim—for under $500. I expected premiums to increase gradually with age, and over the years they rose to $105/month. Reasonable enough—until this month. Imagine my shock when I received a new monthly bill for $325—a nearly 200% increase overnight. Thinking it was a mistake, I tried to reach their customer service. It took two days and four hours of navigating their phone tree before I could finally speak to a real person. I was told the price hike was due to changes in underwriters and my dog’s age. No notice. No warning. Just a staggering increase. When I expressed my concern, their solution was laughable: I could reduce the monthly cost if I agreed to a $1,000 deductible and only 50% reimbursement on future claims. In other words, I’d be paying hundreds each month for a policy that would be nearly useless in a real emergency. Pet insurance is important. But if you're shopping for coverage, do your research and seriously consider other providers before choosing Healthy Paws. What started as a trustworthy company has become, in my experience, anything but.

My dog has been insured by Healthy Paws for six years. I’ve never made a claim until now. Due to an injury from biting on something hard, he needed a root canal. I’ve been given the runaround for nearly two weeks. The adjuster considers it a “condition” vs an “injury.” He is asking for six years of medical records to establish it is not a preexisting “condition.” Healthy Paws does not allow consumers to speak with adjusters, only customer service people who read from a script. The only phone number for the entire company is that of customer service. The hold music is a loop of approximately 20 seconds from a Lynyrd Skinner song, and I’ve been on hold for over 40 minutes. Please check current ratings of insurance companies. They may have been rated #1 in 2017, but this is 2025. I regret choosing Healthy Paws, and I regret referring them to my friends.

PREDATORY rate hikes. I’ve had insurance with them for the last 6 years, and my rate shot up from $78 to $178 this year. Their reasoning was made with baseless claims that aren’t supported by hard data, saying the rate in my area went up because pet parents were filing more claims. Even if that were the case, never has my rate risen over 100%. Run away to Figo, ASPCA, or Trupanion. This company should be fined for what they do to the people they insure. Now my dog is 10, and I cannot switch my insurance up because of a pre-existing condition. I don’t know how these people sleep at night.