Be prepared for high rate increases for no apparent reason

Out of 10

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.

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Claim Amount

Labrador Retriever

Age of Pet
Under a year

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Posted: 02/07/2020


We know that no one likes any form of premium increase and that your pending increase is larger than normal. We also know from your review that you haven't had to file any claims and we hope that you never have to--this means your pup is healthy and accident free. 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. Premiums are determined based on the rates and rating rules filed and approved within each state’s Department of Insurance, which reflect the cost of treatment, advances in veterinary medicine, your individual pet’s breed, gender, age and other factors, in addition to the overall claims experience for the program within the region your pet resides. 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 will never penalize you 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 thank you for being a valuable member of the Healthy Paws Family. Give your baby a hug for us.

The Healthy Paws Team