It's great insurance but beware premiums increases

Out of 10

I've had some claims and they reimbursed easily after a few weeks. I've had coverage for 2 cats going back 9 years now. Each year there was a slight increase to premium but this past year they are raising my premiums from $55/month for 2 cats (ages 6 and 10) to $73/month. That's a huge increase and I didn't even file any claims last year. I imagine it might be because the one cat is 10 now and it's infeasible to cancel and start insurance with another company for a cat over 10 (some don't cover them at all). I like the peace of mind if something major happened but paying this increased premium really makes me rethink this company.

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Claim Amount

Mixed Breed

Age of Pet
1 - 8

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Posted: 03/09/2020


We truly appreciate that you have been a valuable member of the Healthy Paws Family for the past 9 years and for your kind words regarding our claims processing. We realize that no one likes any form of premium increase and that your pending increase is 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. Premiums are determined based on the rates and rating rules filed and approved within each state’s Department of Insurance. These 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. Give your kitties big hugs from us.

The Healthy Paws Team