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Be Cautious—Especially If You Have or Plan to Have an Older Pet
I wanted to share my experience to help others make an informed decision. After 14 years with Healthy Paws, I was forced to cancel my policy due to an astronomical premium increase. Over just four years, my monthly premium jumped 572%. I was already paying $431/month—but then they asked for $776 more per month, bringing my total to $1,207/month. Like many newer customers, I started at a very affordable $34/month and had few issues or increases—until my pet turned 10. After that, things changed dramatically. Age suddenly became the biggest factor in pricing, despite what I had been told when I signed up. The stress, fear, and financial uncertainty this created have taken a serious toll. I now face the reality of having an older pet with pre-existing conditions—hard to be insurable elsewhere—because I trusted the messaging that age wouldn’t be a factor that impacts premiums (simply Google this and see how they publicly stated this, such as an article from Consumer's Checkbook). I believed Healthy Paws would provide lifetime support, but the policy model now feels unsustainable and, frankly, unfair to long-term customers. From my research and reading others’ experiences (especially on Reddit), it seems these extreme increases began around 2020–2021, around the time Westchester Fire and Chubb took over operations. This was once a company I proudly recommended. Now, I feel a responsibility to warn others—especially those with aging pets—about what may lie ahead. If you're reading reviews here, take note of how many 5-star ratings are marked as “Invited.” From my experience, these are often from customers who were prompted to leave feedback after a recent claim or support interaction. That doesn’t make them dishonest—but it does suggest they may not reflect the full, long-term experience. Please look beyond the star rating and read reviews from people who’ve had policies for many years. Healthy Paws may still work well for new customers, but it’s crucial to understand how things may change as your pet ages.
Insurer: Healthy Paws
By: S A
First time claims on pet insurance
Both claims I have filed have been handled efficiently. Very timely, and the EOBs on both were easy to understand and very helpful.
Insurer: Spot
By: Marie Plank
We’ve been very happy with the service…
We’ve been very happy with the service and they have covered all of else’s expenses from numerous Veterinary visits.
Insurer: Embrace
By: Valerie Lee
Easy Claim Process
I submitted our claim for our Welsh Terrier’s illness and was reimbursed in 3 days. Very easy process. I’ve been with SPOT for 4 years since we got our puppy. Very pleased.
Insurer: Spot
By: Patricia Cumming
Takes forever to get a claim processed
Takes forever to get a claim processed. Even having met the deductible, you still find a way to pay less than you should. Rates are much too high for what we get in return when there is a claim.
Insurer: Pets Best
By: Michelle C. Bailey Schulze
Great experience
Great experience. New to Trupanion
Insurer: Trupanion
By: Kellie Larrabee Herger
A Very Satisfied Client
I am not a new member but have been for almost 11 years. Trupanion has made it convenient to submit claims, some veterians can submit as you pay, and has always been available to answer any questions I may have regarding reimbursements. Recommend Trupanion highly.
Insurer: Trupanion
By: MARY LOU
Best pet insurance
We have MetLife Pet Insurance for our two dogs and the entire process has been so seamless. The app invoice submission is extremely easy and the benefits are great.
Insurer: MetLife
By: Emily Kelley
We have never had pet insurance until…
We have never had pet insurance until Minnie, Didn't really think it would pay out as it did. We are very impressed with the outcome. You did what you said you would and that in this day and age means a lot to us. Thank you and Minnie thanks you for being there when we need you.
Insurer: Spot
By: Jenni Reason
Company isn't transparent …
Company isn't transparent about deductable and coverages. I had a $3000 mouth surgery bill, they paid $900.
Insurer: Trupanion
By: Kristi