Healthy Paws | Pet Insurance Review

We have had Healthy Paws Pet Insurance for our mini Goldendoodle since she was a puppy eight years ago. At that time we thought we were getting a good rate. Much to our dismay, they raise the annual premium almost yearly. Each year we are forced to lower our reimbursement percentage and increase the yearly out of pocket amount, We are now paying almost three times our original monthly payment. The company explained that there were too many claims from our state forcing the rates to go up. In my opinion this us nothing more than a bait and switch racket. Beware of getting sucked into this scam.

Kali has had multiple health issues, including cancer, and Healthy Paws has come through every single time. Submitting a claim is ridiculously easy—just snap a pic of the vet invoice and SOAP notes in the app, and you're done. I’ve always received reimbursement quickly (sometimes even the next day!), and they even reached out after Kali’s surgery to check on her. Who does that? Yes, the premiums go up each year, but after researching nearly every pet insurance company out there, I’ve found their rates to be very competitive. What makes them stand out even more is how user-friendly their app and website are. I can change my reimbursement rate (I chose 80%), adjust my deductible, or switch between mailed checks and direct deposit—all with just a few clicks. Healthy Paws doesn’t cover basic visits or routine dental cleanings, but they cover what actually matters: medications, diagnostic tests, emergencies, surgeries—even dental emergencies. This month alone, I was reimbursed for 80% of a $5,000 procedure. I can’t express how thankful I am. If you're on the fence about pet insurance, let me save you the trouble: choose Healthy Paws. You won’t regret it.

Beware of Duplicate Billing and Unresponsive Support I’ve been a loyal Healthy Paws customer since 2014, but my recent experience has been so frustrating that I can no longer recommend them. What Went Wrong * In 2024 I adopted dog B and added her to my original policy (which I’d held since 2014 for my late dog, K). * Unbeknownst to me, B was also added to my husband’s separate policy (for his dog, S), so we’ve been billed twice for the exact same pet since February 2024. * No claims have been paid out for B under either policy—so we’ve paid double premiums for zero coverage. Attempts to Fix It 1. July 7, 2025: Spent over an hour on the phone only to be told it was “beyond capacity” and that management would call back within 24 hours—no callback ever came. 2. Messaged Healthy Paws on Instagram (screenshots available) with no response. 3. July 14, 2025: Called again, was put on hold until the call dropped, and couldn’t get through afterward. 4. Submitted multiple online inquiries—still nothing. Bottom Line I’ve asked repeatedly for one of the duplicate policies to be cancelled retroactive to February 2024 and for a full refund of the overpaid premiums. Instead of help, I’ve been stonewalled. Hours wasted, double billing, and no accountability—this is not the customer service experience I expected. For many years Healthy Paws were an incredible company. This is just my most recently issue with them. The last two years their service has gone downhill. Until Healthy Paws fixes this mess and makes it right, I cannot, in good conscience, recommend them. 7/18/25 Edit to add - received a call from a helpful manager AFTER posting my review. One policy has been cancelled. I will update when I receive a refund

I do NOT recomend this company if you really love your pet. I am insurance agent in California and it is normal companies increase your premium year by year, but from paying $89 a month pretend to rise to $227 a month is crazy, specially that my pet has no claims in 10 years. It is much better to get a good company that protect your pets during all their lives Also when you try to contact them they will answer in other country with a terryble accent There are a lot of good insurance on the market

What a great insurance. I have been a customer of Healthy Paws for 9 years and counting and their service has been nothing short of excellent. The claims process is straightforward and quick, and their customer support team is always helpful and kind. Knowing that my pet is covered gives me peace of mind. Highly recommend!"