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I found it easy to file claims and…
I found it easy to file claims and receive reimbursement for payments I made
Insurer: Pumpkin
By: Elida
I Do Not Recommend Healthy Paws
I insured both our dogs when they were puppies: one in 2014 and the other in 2016. The premiums began at a reasonable amount--our first dog started with a $31.96 monthly premium and that was with a $250 annual deductible and 90% reimbursement level. Our second dog started with a $39.03 monthly premium, a $100 annual deductible, and a 90% reimbursement level. I was happy to pay those amounts for the peace of mind and the fantastic coverage. We've had steady, but manageable rate increases every year. Fast forward to the last several years. For the policy period beginning in December, 2024, I had to increase both the dogs' deductibles to $500 in order to keep the monthly premiums at a somewhat manageable level. For the policy period beginning December, 2025, we were notified that our reimbursement level would be automatically reduced to 70% from the previous 90%. Apparently Healthy Paws implemented this age-based change last year. Our monthly premiums for this greatly reduced coverage are now $238.59 for our first dog and $200.28 for our second dog. Ouch. Just to put this in perspective, we have to pay out $500 for covered services for each dog before the policy begins to cover anything at all, and then that is only reimbursed at 70%. Will Healthy Paws drop our reimbursement percentage even further when future renewal anniversaries roll around? Who knows? The current monthly premium represents a whopping 646.527% increase from the original premium for our first dog and a 413.144% increase from the original premium for my second dog! During 2025, I had to appeal two denied claims that were for covered services. The denials were eventually reversed, but it was a lot of hassle to go through and a long delay for claims that should have been initially approved. I should add that I am grateful for coverage we've received for some expensive health issues through the years. For example, a splenectomy and several days in the vet hospital for one dog resulted in a bill that was over $9000. Last year, that same dog had surgery to remove some liver masses. But, I may no longer be able to afford the insurance after this year--especially considering the higher deductibles and lower reimbursement levels. Since my dogs at this stage in their lives both have what would be considered preexisting conditions by another insurer, shopping for a more affordable policy elsewhere isn't an option. We're between a rock and a hard place. To sum up: when we signed up for Healthy Paws, it offered great coverage at an affordable price. In the last few years, our rates have skyrocketed and our coverage has been reduced. I can no longer recommend Healthy Paws.
Insurer: Healthy Paws
By: Susan T.
We have been with this company for 13…
We have been with this company for 13 years, every 3-4 years we have been hit with higher prices and have had to call and negotiate down. Now I’m getting hit with a 50% increase after already having the highest price policy compared to other companies. We have two younger dogs on another company because I refuse to allow these corporations to scam us for having long living dogs. The BOARD SHOULD BE ASHAMED OF THEMSELVES. This is how people struggling end up homeless or turning their dogs into already overcrowded shelters. Corporate greed will be the death of this country.
Insurer: Fetch
By: adrielle maxwell
Excellent services
Excellent services , quick and easy
Insurer: Trupanion
By: Tessie
Fabrice was very helpful and quick to…
Fabrice was very helpful and quick to respond
Insurer: Fetch
By: Erin Ryan
Claims were paid quickly
Claims were paid quickly
Insurer: Figo
By: Donna
Customer service was great and…
Customer service was great and knowledgeable of products and services.
Insurer: Nationwide
By: Customer Belinda
Submitting claims is easy
Submitting claims is easy, quick and can be done from your smart phone just by installing and using the app. The review process is done quickly and you have the choice of receiving reimbursements by check, direct deposit, and a few other options.
Insurer: MetLife
By: Kendra
This was the easiest policy ever…
This was the easiest policy ever purchased. Thank you.
Insurer: MetLife
By: Dennis Jolley