Every time we need trupanion they tell us things are pre-existing. We plan to save our money and just pay for services since that’s what happens when we need them. We have paid them for several years and we would have been better off putting our money into savings.

To make a long story short, it took over a month to process and then it was closed. No one bothered to tell me they needed dental records - I have no idea if they even requested them. Plus what dental records could a dog have? He had to have teeth extracted - that should be a simple enough explanation!

We are longtime Health Paws clients. On June 5, 2025 we received an email from Healthy Paws, indicating that, effective July 4, 2025 Healthy Paws, will be transitioning their credit card billing services to a third-party vendor, and that they will impose a 2.99% fee on all credit card payments, for Healthy Paws premiums. Previously, Healthy Paws charged no fee for monthly premiums, paid by credit card. In essence, Healthy Paws has increased our already expensive premiums, by 2.99%. That's a lot of money.

Company isn't transparent about deductable and coverages. I had a $3000 mouth surgery bill, they paid $900.

Prices were reasonable as puppies. Now that doggies are 7 years old, the rates keep increasing substantially. This year was $25 per policy for each doggie. Plus, they advised today to implement a 2.99% credit card fee unless I move to ACH. They are part of CHUBB Insurance Company. This is the straw that broke the camel’s back. I’ll just save my premiums and hope for the best with my doggies. Pretty soon the cost will be more that my Medicare Supplement Insurance.

Faster reimbursement!

I’ve paid my monthly payment for years to only to receive a couple hundred and reimbursements. That’s on top of the thousand’sI have paid the Vet. My most recent claim was for oral surgery, which was over $2K. Not a penny was reimbursed because I did not have my pet enrolled before she was six months of age (she was 1 when I got the policy and now she’s 3), so that particular issue can’t be covered. Really? I should’ve known that my dog was gonna need oral surgery at 3 yrs old when she was 3 months old. Just shady so two thumbs down.

Constantly increasing monthly premium and then offers no coverage. They will pay out basically nothing and find many work arounds as to why your service was not covered.

For what I paid out, didn’t get much back.

So very disappointed with processing claims , the amount of reimbursement and overall lack of being clear . The customer service was great but never could do anything to help. This is not the Pet insurance company they have an underwriter that doesn’t want to pay out claims. When I called to cancel within the first month and mentioned I was so happy I didn’t cancel my other pet insurance I was asked which one and when I said the name she sounded surprised! She actually said “are you serious?” The other company has paid out on all claims and I’ve never had a problem but I wanted an insurance company that would cover Dental well they don’t if there is anything in the pets file stating they had anything tooth problems prior there is a 180 day waiting period.