HUGE Increase in Premiums Every Year!

Out of 10

I have been a customer of Healthy Paws for over 5 years now. I've had two of my pets covered with Healthy Paws within that time. I've never experienced huge increases in premiums with my first pet's insurance. She was covered for nearly 4 years, but that pet has since passed. Currently, I only have one pet covered since Jan 2016 with a premium of $39.72/month. After one year it increased slightly to $43.70/month, which is reasonable. However, the next year it jumped to $54.18/month, and they just raised it again to $67.81/month this year. These are substantial increases, which they justify as increased cost of vet care. They really put pet owners in a bind and forcing them to choose between what they can afford and their pet's life. Starting over with a new pet insurance company will make our pet ineligible for certain coverage based on new health conditions that have been found since then. Healthy Paws says that rates are not affected by the number or nature of the claims that we submit, but I do not believe them. Unfortunately, we have had to submit many claims for our accident prone dog, so it's a suspicious coincidence that the premiums keep jumping up. I am not a happy customer of Healthy Paws and hate how they are taking advantage of the situation that many other pet owners will face.

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Cost for Coverage
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Mixed Breed

Age of Pet
1 - 8

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Posted: 02/26/2019

S - We understand that no one likes any form of premium increase and realize this increase was larger than normal. Our management team works hard to keep our premiums as low as possible while still providing comprehensive coverage. New technology, advancements in veterinary treatments, and overall claim costs are taken into consideration when assessing our rates. We have seen an increase in the frequency of high-value treatments such as anterior cruciate ligament surgeries, cancer treatments including chemotherapy, and foreign body exploratory surgeries performed by veterinarians. These are some examples of procedures performed during the last 12 months that ranged anywhere from $3,000-$16,000. Your monthly premium is going up because the increase in claim payments has been faster than the premium increases in your state. As a result, we need to increase the premium level for all pets in your state so you and your pet can have continued access to the best veterinary care. Rest assured, we never penalize a client with higher rates for making claims. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of veterinary care. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website. We hope you and your dog stay well!

The Healthy Paws Team

Posted: 02/01/2020
By: Mark

I have had the same experience,.... Premiums went from $26 to $44 in 2 1/2 years..... and the dog has no issues... I have a hard time believing HPs explaination... especially when you consider the same thing has happened to me 3 years after this initial review.

Posted: 06/03/2020
By: Joanne

Healthy Paws raised my 2 year old dog's insurance 50% from $54..16 to 81.24/month. We've submitted claims but never met the $250 deductible. Most articles I've read in Consumer Reports type magazines say that Pet Insurance is not worth it. I'm beginning to agree.