Submitting Claims with Healthy Paws has been easy to do when I need to. I have a concern with how they significantly increase their premiums every year though.
We have been using Healthy Paws since 2015 when we adopted our kitty. He was 7 years old then. Every year, the insurance premium slightly increased up until last year when the premium almost doubled in price. We just received a notification for the premium adjustment for 2021, and the cost is almost doubling again. It seems that now that my kitty is in his senior years and had a few more appointments, they are adjusting the price to the point where we possibly should consider moving to another insurance company. I want to let others who are looking at this insurance as this is not covered if any of the insurance ranking web sites. You will find other customers who are posting this same complaint also..
I currently have a $250 deductible with 90% coverage. Below are some numbers for reference.
2015 = $29.35 / month
2016 = $30.77 / month
2017 = $33.45 / month
2018 = $37.61 / month
2019 = $43.98 / month
2020 = $83.02 / month
2021 = $157.40 /month (renews in 2 months)
When I called Healthy Paws last year about the significant premium price jump, I was told then this was due to the number of people filing claims in my area so they have to adjust the premium costs. Before I moved to Healthy Paws (based on their good reviews), I had a VPI/Nationwide plan and the premiums never adjusted this significantly.
Since I started paying in 2015, I have paid $3040.14 in premium costs. Unless I adjust my coverage for 2021, I will pay $1,888 in premium costs just for 2021.
There was a class action suite that was flied about this practice, but the judge dismissed the case it seems in favor of Healthy Paws.