I have been a HealthyPaws customer since 2014. I currently have 3 dogs on my plan. When I signed up the policy stated that premium increases were ONLY applied in line with rising costs due to vet care in my particular area. There were supposedly NO increases in premium based on claims made or pet age. My vet has increased their prices across the board roughly 40% over the course of the last 11 years, and yet my premiums have gone up 1,000%. They still claim the increases are due to costs of vet care increasing in my area, which anyone with a basic education can see is a blatant lie. The thing is that they know that pet insurance companies are allowed to deny claims for pre-existing conditions, so when your dog is old and has a condition or two, they jack up your rates because if you leave, you won’t get covered anywhere else. This is absolutely disgusting and absolutely fraudulent. The promise to only increase cost based on vet premiums rising in my area was ON MY CONTRACT when I first signed up. They disable the ability to comment on their social media posts because the posts are 90% people like me who have been seriously wronged by them. Don’t get sucked in. It will be fine for a few years. They are pretty good with handling claims quickly so it’s easy to think this company is great at first. It’s as if they wait until they know your dog has conditions and then they start piling on the increases with no verifiable proof that vet costs have increased. Just run. I hope they get a big fat class action suit and are found guilty of fraud.

We insured our dog with Healthy Paws the day we brought him home in 2015. We’ve stayed loyal for ten years, paying every single month, because we wanted peace of mind if he ever got sick.

It's disgusting to see all the responses from Healthy Paws in this thread, acting like they care and that their insane and constant rate increases are reasonable and not based on age.

BEWARE OF HEALTHY PAWS!

Have been a customer for 10 years with our dog. While the claims process has been fine over the years, slowly but surely they’ve raised premiums and reduced coverage. Now, they announced changes that more than double the monthly premium. So at 110+/month and minimum deductible of $750, I need to pay more than $2000 in a year before I am able to only be reimbursed 50%. Not sure how that is worth it for most people with relatively healthy dogs like ours. I won’t be returning as a customer in the future given their poor response to these changes when I called and messaged for an explanation, won’t recommend them.

been with healthy paws for over a year and paying for my pet's coverage. first claim i submit - and they want his medical files going back before he was rescued as a stray over 2 years ago. obviously these don't exist. basically if you have a rescue, there's no coverage. I can't believe I gave them any money. trying to cancel coverage and even that is difficult

Yes, honest and helpful.... really ? I have purchased insurance from Healthy Paws when my dog was 5.5 years old ( in 2017): I chose 70% company-30% me, and 500$ deductible. I have paid for 7-8 years, never used it. They don't pay regular visits. I took my baby to ER back in January 2025. After a short visit of few hours the final bill was $1000. My deductible was $500, so then they should have paid 70% according with my plan. They said they don't pay the visit ( $250), so I was left with 250$ bill hoping to get 70% which means $175.00... well Healthy Paws invented a new Math and sent me a check of $46. Please be aware they do not cover the percentage they said !!!!

Just received my renewal after 10 years of covering our dog since he was a puppy. I've paid the expected rate increases each year. I've held a $250 deductible with 90% reimbursement coverage the entire time.

Healthy Pet Insurance never paid one claim that I submitted, and then they more than doubled my rates.

Healthy paws was a great company years ago. Now they constantly raise rates with no reason. This time my pets insurance went from $180 a month to $375 a month. We started at $80 a month.