I have been with this company since the 90's. My recent experience has been nothing short of a horror show. I have had a small mixed breed since 2013. Accidentally, my vet sent a document stating my dog was a bulldog, and my monthly payments went from $186 to $486. It is now 3 weeks later, seven emails from my vet stating their clerical error, 5 customer service agents at Healthy Paws (useless), two customer service liaisons at Healthy Paws (broken promises), and my monthly payment is still $486. Tomorrow, I will make my eleventh phone call to a Healthy Paws useless agent, telling my entire story again because this company doesn't allow you to speak to the same person and I probably will get nowhere. There is no one I can call to fix this problem. After my 15-year-old dog passes, I will never go back to this company. There are plenty of dog insurances out there.

I have had many headaches submitting claims. Sometimes Healthy Paws will contact my vet for records, sometimes I get a message saying I have to contact the vet and have them send records. I work late at night, so I can’t contact anyone after work, and I frequently don’t have time before work to try getting through to the vet to have records sent in. So multiple claims have been denied because I couldn’t get in touch with the vet to have records sent in within the timeframe given. I also had an incident of sending in a dozen invoices at one time and all were denied before the end of the day. I seriously doubt they were even looked at before being denied because when I called customer service to find out what the f was going on, all were approved on review. Because of all the hassle, I would only submit claims when I would have the time and energy to call the vet to have records sent in and call customer service if the claims were denied. That wasn’t often, so I literally have a stack of unsubmitted claims 2 inches thick that goes back years amounting to tens of thousands of dollars.

Awful! I have been paying on this insurance for 7 years and they wanted me to pay the deductible for vet visit just under $500 cost. Just ridiculous! Better off starting a saving fund for your pet’s vet visit then paying into pet insurance! Total scam! Total joke!

I’m writing this because I wish someone had warned me sooner. My senior cat, insured for 8 years with no claims, has experienced outrageous increases in premiums over the past few years. At the rate that they are increasing premiums, I will be paying over $200 per month soon. This company clearly takes advantage of pet owners with senior pets by inflating prices to outrageous levels. I’ve seen multiple accounts of 80% price hikes once pets reach 9-10 years old—this is flat-out predatory, especially for those who’ve been paying premiums for years with the expectation that their pets would have coverage as they age. Yes, I get that insurance companies need to turn a profit, and I was prepared for some yearly increases, but this is way beyond what’s reasonable. This level of price gouging is unacceptable. I’m forced to cancel now.

This company raises rates SIGNIFICANTLY every year, especially as your pet ages when you actually start to need the insurance the cost becomes unreasonable. They give you corporate answers as to why they’re increasing rates despite claiming they want the best for pets. Do yourself a favor and do a quick search about HealthyPaws rate hikes and you’ll see why people choose to leave them. Hopefully someone decides to investigate soon.

I just received my annual premium renewal for my Rhodesian Ridgeback from Healthy Paws and I had to call them to make sure their email was accurate: The email said they would be increasing my monthly premium from $157.40/month to $416.65/month. And this was for a policy that we literally never use. On the call, they said that the increase was due to the high amount of pet medical claims in my state. Insta-CANCEL! Sorry, but I won’t be subsiding other people’s pet bills. I’d rather put that $5k per year to work in a CD.

I have had healthy paws insurance for my Australian Shepherd, who is now 11 1/2 years old. I have never made any major claims for my dog. This last year had a few small claims after the 250.00 deductible because she developed an allergy. I was just notified that my insurance is going up from $97 to $148 a month. That is an outrageous jump from the previous years increase. I am debating whether to keep this insurance because she is 12 years old. I think it’s a big rip off when pay for your insurance and you never use it and now that she might need it, they raise the rates. They also have a who cares attitude when you call to speak to them. I have another dog that I got after my Australian Shepherd. I went with a different company just because of the rude attitude when I called to get a quote they really don’t care. So disappointing.

I have been a loyal Healthy Paws customer for 7 years, but I can no longer recommend them. When I first signed up, my premium was $23.94/month for the best coverage—now, despite adjusting my deductible and reimbursement level to lower costs, my premium has skyrocketed with no real explanation. On top of that, my recent claim was denied unfairly, miscategorizing necessary bloodwork as "wellness/preventative care," even though it was for a diagnosed condition. I’ve had to fight for every bit of coverage lately, which was never the case before. Their service has drastically changed. They know long-term customers with pets who have preexisting conditions can’t switch providers easily, and they’re taking full advantage of that. If you’re considering this insurance, think twice! What starts off affordable quickly becomes overpriced and unreliable. I’m extremely disappointed

I have been a customer for 5 years. We have never submitted a claim. My dog is about to turn 7 and they have now doubled my monthly fee. In order to stay insured they want $124.00 a month. Absolutely ridiculous. And now that my dog is 7 it's very difficult to get insurance. So basically, I have paid $3720.00 for nothing. If I continue with the insurance, I will be paying $1488 annually. I still have a $250 deductible, and the pet insurance only covers 80%. SO basically over 10 years I am paying Healthy Paws $10,260.00 for 80% coverage. I will take my chances next time.

HEALTHYPAWS is very deceptive in their non disclosure of jacking up your rates and worse yet, denying claims for no reason. I have three animals with this farse of a company and their new thing now is to say everything is a wellness check when it’s clear that an animal went in with symptoms and then diagnosed and sent home with meds and a treatment plan. I pay $$$$ for a plan that is disgustingly dishonest. Ever since Chubb bought them out they have become more and more dishonest. I’m so disgusted with them. Please do yourself and your pets a favor by not wasting a dime with this company there is no sense as they empty your pockets with their ever increasing premiums and then don’t cover your suffering animals. This is a mortal sin and they need to be called out on it by reporting to the Insurance commissioners.