Update based on their reply:

I had Healthy Paws for years. Then, all of a sudden they increased my monthly payments from $110.74 to $841.61 monthly. I called them but they could not give me an explanation for the increase. I have recommended them in the past but will now let the folks know that they may be in for an unexplained increase and since their pets are young, they will possibly check out other insurance companies. They were great until my cat got older. By that being said, I would think very hard before I would go with them again especially since my cat has been pretty healthy. Money lost monthly for me.

UPDATE: I sent in the medical records for the appeal, now it's taking forever and "under review." Been on phone now over an hour between overseas and US, now being transferred to a supervisor. Very frustrated! ***** Used to be a super great company! US based agents, picked up on third ring. Very nice folks. Really it was the only insurance company I didn't have to argue with. That was then. Now it's overseas customer service, no idea what they are doing. I submitted a claim, they did not pay for blood work even though my dog was sick and should have been covered. I just requested and got transferred to US agent. She said my account terminated 2 years ago for a dog that passed away. I said no I have a current account with a new dog after that. She can't find account. Now I'm on permahold to talk to supervisor. I thought I bet Healthy Paws got bought out, sure enough Chubb bought company in July 2024. Now they are just as bad as any other insurance company. Very sad.

I have paid for YEARS with ridiculous increasing premiums each year. When it's time to reimburse us $400 they keep saying they aren't getting all the info from our vet. Dog was in 2 days in a row and they say they only have info for 1 of the days. The vet sent it all at once, multiple times.

Horrible experience on final claim after losing our dog to cancer. I have had this insurance for 10 years. Never had a claim until March 2025 when we found out our dog had cancer. I submitted 2 bigger claims, but under $500. Another for medications and a final for euthanasia which $150. Never in the previous larger 4 claims did they ever ask for a full 10 year medical record of our dog until the final claim. Seems if a full medical record was necessary it should have been required on first claim, not after losing our dog and on the final claim. This company is unethical and I cannot help but wonder if this about getting yet another payment while they jerk us around.

I filed my first claim for healthy paws pet insurance over a year after I enrolled my new dog. Throughout the entire time I have owned him, I have been diligent in submitting proof of soap notes from previous vet visits (one over a year before I submitted a claim and the other several months before). I also submitted proof of vaccinations as well as negative parasite tests. When Beau injured his leg and needed an xray, I filed my first claim. I was then told that there needed to be more documentation. I emailed back said documentation, but figured I should also call for good measure. The customer service department was unable to tell me what documents they had previously received. (I will note that any time I had submitted documentation I received an automated email). When I asked if I could speak to anyone who worked in the claims department I was told there was no phone number, and the only way to contact them was via email. When I asked for that email, I was given the general customer service email that can be found on the website… so not anyone linked to claims. All emails I have sent have only been answered with automated responses. When I went back and totaled up how much I had spent on this dog insurance service, I was dismayed to find that had I simply put the same amount of money to the side I would have been able to cover my dogs treatment. I think that this company goes out of their way to make contacting them difficult, and receiving information regarding you claim impossible. I hope someone reads this review and saves themselves the money or finds another honest insurance company that will actually cover new injuries.

They are delaying the decision on the claim in every possible way. The first claim has been going on since November 2024, it is now May 19 2025 and still "in process". They are just dragging out time so that you continue to pay monthly. Ridiculous, we paid them for almost two years, our cat did not get sick, but broke a fang, insurance covers this case, our vet provided medical records and all the documents, but Healthy Paws kept asking for more and more documents, more exams, this lasted for three months, as a result, the claim was closed, in March 17th they received another veterinary exam what only they wanted for the claim. So for two months they have had all the documents what they asked but they only respond back that "review of the claim may take 10-14 business days"and repeat to ask us by email for the same vet docs what they have already! This company acts like a scammer. Tomorrow we will call to cancel this insurance and then send a complaint to BBB.

I put in a claim on March 14 and it had been over a year since my last claim. I felt it was taking so long and I never saw a direct deposit in my account, so I got online and saw that the claim had processed and they marked it "closed", however,they never paid me $279.20, which shows the amount I am due. I looked at my account and saw that somehow my direct deposit was not listed in my portal account, so I put it back in and called Healthy Paws to let them know, explained what happened and told them I put my direct deposit info back in the system. It is now May 19th and I called again TODAY, and they told me it should take 10 days from the first time I called and that I should be paid by May 23rd. Seems like a very long time since direct deposit is a very quick thing to correct. I don't have a lot of patience for insurance companies that would cancel me in an instant if I didn't pay my bill, but take their darn sweet time when they have to PAY ME.

We have had Healthy Paws for our pets since 2010. They USED TO BE good and processed claims as advertised. Over the years they removed more and more types of services covered. Now it is HORRIBLE to get claims processed. When you call it is awful and impossible to get a straight answer. They always assure you that something will happen right away and then it doesn’t. I am now waiting FIVE MONTHS for claims to be processed. And they stack one on top of the other! They have “claims” and “tickets” and “cases” and they “send direct messages” to each other and repeated emails to me and the vet, yet nothing EVER gets resolved. We are paying over $300 PER MONTH for insurance that doesn’t pay out!!! Time to change to Costco insurance. So sick of their fawning and LIES LIES LIES.

We have our Shelty insured for over a year. Aside from not paying for exams we were denied significant expenses tracking down a shoulder problem. They denied it as pre-existing, but that is not so. Perhaps, they mean pre-existing to making the claim. I think these folks are terrible, go anywhere else.