We've had Healthy Paws coverage for the last 10 months for our 1 year old lab. During that time our dog has been healthy and we have received no benefits from the coverage. Healthy Paws just sent us an email for our policy renewal. They are raising the premium 29%. That's outrageous, and let me repeat that we never received any money from them. It's not like they were losing money on us. Seems they offer a lower price for new business and then jack it up on year 2.