I Purchased Healthy PAWS pen insurance for my dog when she was three years old. The monthly payment was $56. I kept the insurance for years and never used it never even submitted a claim. January 1 of this year my premium went up $25 per month. When I called them out on it they said it was a one time rate increase. Several months later they continued to charge me an extra $25 a month. When I called them they apologized and said the rates in New York had increased because of people filing claims. I was forced to change my deductible from $250 to $ 500. From 90% coverage to 80% coverage. Less than a week later my dog passed away unexpectedly leaving me with a very high vet bill. I requested that Healthy PAWS honor my previous deductible and reimbursement rate to help with medical bills and they refused. It had only been four days. $4000 invested and they couldn’t honor a simple request.