I really dislike that my dog's ear infections are considered a pre-existing condition when they happen at random times. She is a floppy eared dog - she is prone to ear infections and they are costly to treat. I understand that it's considered pre-existing because she had an ear infection before she was insured, but that doesn't really make sense to me.

Their claim process is exhausting. Asking for records going back years and stalling payment with request after request. I have Healthy Paws on other dogs and they payout in three days. I’ve been waiting three weeks for a lousy four hundred dollars.

Extremely poor coverage and vague descriptions of coverage and services. My daughter’s cat recently had surgery for a serious condition amounting to $7000. Her policy with ASPCA did not cover anything! Their reasoning was pre-existing condition and uncurable condition. Neither of which was stated in their policies. I believe that this insurance is a scam! If it is associated with the ASPCA organization, I would never give my money to their organization. Horrible!

Paid premiums for a year.my neutered,vaccinated

Zero communication during the claim process. Good luck if ther is an issue because they will give you the run around. I have provided the medical records multiple times in the same email thread and seperate medical records email that is on their site.Reconds that were already confirmed there now they can not locate. This has been going on for a month+. Once sending another email you do not get any communication unless you call and it always feels like starting from zero with the rep. I would give them lower rating if I could. After my policy is up I plan on looking elsewhere.

3 months - new excuses - fraudulent company.

They claimed that my pet's condition was pre-existing when it absolutely was not, then didn't give me a space to fight it. Also the "preventative care" is an absolute joke, the reimbursement amounts for preventative are so small, even smaller than the monthly bill depending on which plan you're on. Avoid this pet insurance at all costs, I feel taken advantage of and I'm writing this to hopefully help someone else not make the same mistake I made by going with this company.

They won’t pay

I have been paying for Healthy Paws pet insurance for 10 years for 2 dogs. Now that my dogs are older they raised my premium almost to $7000.00 for the year. The reason that Healthy Paws gave me was that my dogs are older now. Isn't that why you start paying pet insurance when your dogs are younger so that when they need it when they get older it is available to you at a reasonable price? It is a scam! You are better off putting money away in an account for your pets and do not pay for pet insurance.

I was incorrectly charged for a year-long insurance policy I did not authorize. When I contacted the company, they initially couldn’t explain the charge. Later, they called and claimed the policy was canceled one day late, so they would charge me for that day and refund the rest. However, I had canceled the policy well in advance and did not renew it, so their explanation makes no sense. I even have a confirmation email proving the cancellation was on time, but they insisted it was canceled a day later. The amount I lost was only a few cents, so I’m not overly concerned about the refund (which I still haven’t received), but this experience has completely undermined my confidence in this company’s reliability. I’m deeply disappointed and hesitant to continue relying on their services.