I’ve been a loyal Healthy Paws customer for 13 and a half years—since the day I brought my puppy Bellah home. Over the years, I’ve paid thousands of dollars into this policy with the trust and belief that when the time came—especially in her final stages of life—Healthy Paws would be there for us.

Ilike the level of insurance for my buddy. I am a very responsible pet parent and Iam dedicated to her best life. Met life is a bit pricey and honestly your time to pay is a bit longer than other products Ihave used. I am a nurse on a limited budget and the time you take to pay is a problem for me. The last issue was your staff said my case was to be delayed and then I got a somewhat threating email that if you did not recieve the vet notes the claim may be cancelled.I do not understand why met pet just did not converse with my v et as , this v et is highly responsive.So this is my honest review and I hope you improve.i currentl use another insuranc e for my kitty because of the pay out issue Thanks Kate D

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I did research and thought this would be a good company to go with for my first-ever insured pet.

Customer service was great, but the actual coverage was extremely frustrating, time-consuming, and misleading.

Unthoughtful and self-serving. The reasoning behind their denial of my claim request is because my puppy's appointment was on day 15 of the 15 day waiting period. My date of joining (payment going through) was 7/1 and her service date was 7/17, 16 days upon joining, not 15, so technically we were within the waiting period. There was no clear indication upon joining that there would be a potential “hold” or processing period prior to the waiting period being effective.

Please - save your time and money and do not go with Spot Pet Insurance. I thought I had done my due diligence, and was so disappointed after paying for several months and submitted my first claim. I had to find out through the App that it was denied - they never sent me a letter explaining why they denied my claim. They will do whatever they can to deny your claim. There was a typo in one of my dog's veterinarian notes from one year prior to the accident, so they relied upon that to deny her claim when she injured her leg one year later. So disappointing, so disengenous. Find yourself an insurer who will do whatever they can to assist their policy holders - not scam them.

After initially thinking I might have finally found a decent pet insurance provider in Spot, I’ve had my confidence in them shattered by one denied claim. My dog’s at‑home cancer screening flagged a moderate risk, so my vet ordered an abdominal ultrasound. Spot refused to classify the ultrasound as a covered diagnostic, even though their illness plan explicitly covers exams, diagnostics and lab tests.

I insured my dog when he was only a few months old in 2012 at a monthly premium of $30.21. With annual increases as much as 36.25% my new monthly premium for 2025 is now $480.76. I had to let the policy expire. I’m retired, living on Social Security, and that’s more than two and a half times my monthly Medicare Premium.

Cost four times increase in two years - for coverage that we have not used.