Sure seems like a scam to me. We purchased the Healthy Paws insurance for our new puppy Charlie in Jan. In May I was told his puppy incisor teeth had not fallen out and would need to be extracted. I did the oral surgery and filed the claim, but they always seemed to need more information. Then would then almost immediately close the claim. I would open a new claim, after spending a ton of time requesting info from our vet. Now after providing everything they have requested, with a complete medical history from 3 months of age, the Explanation of Benefits says "outside the policy period" and it seems to have been denied. I have emailed them requesting an explanation and asked to cancel my policy. It seems like their company moto must be "deny, deny and hope you die."

I’ve paid premiums for 14 years. They have an issue with two invoices that I can’t get corrected by the health provider yet because they are on vacation. So every claim after that is backed up and they will not budge and settle them. My dog died and I’d like to cancel the policy but feel I need to wait so I have access to their system until this is settled. I’ve been told they will settle those claims by one representative then again that they cannot yet by another a couple of times. Each time they “correct” it they give themselves 10 more days to do so. I’m grieving on top of all.

Answer to your “copy & paste response you send out to everyone:

I submitted one claim for approximately 1800 when my dog broke her foot. We had been a client for five years with zero other claims. My monthly rate went from approximately $41 to $60 in one month. Their excuse was they had her breed wrong, she’s a mix and they had her as a Labradoodle and when they changed her to a mixed breed, they said that was the cause of rate skyrocketing. When I questioned it, they went radio silent on me. I’m filing a claim with the state of California insurance commission. I would suggest you avoid this company.

If I could give negative stars I would. We’ve been paying a monthly premium on our 3 cats for 4 years. Cats we’ve had for 9 years, adopted from little kittens. When our cat Titus took ill with bladder stones and a blocked urethra, it cost over $4000. And healthy paws refused to cover any of it. We would be better off not paying the premiums and just save our own money. If you’re going to take money for coverage and then not pay for medical treatment, you’re just stealing from people. They paid for some treatments for our other cat when he was having seizures, so why they won’t pay now is beyond me.

I have been a long time customer. Initially the fee seemed reasonable, the service was quick. However as the years progressed, the premium started to quickly increase. I noticed as the pets reached senior age, the annual premiums were increasing around 50% each year. Now I am stuck because I cannot find another provider to cover them and their now preexisting conditions. I was warned about them from another insurance company that when the pets get older they start charging high premiums. I believe this model shows they do not care about the pets, just making money and realizing that this is a good model due to once a pet reaches a certain age, they probably had a few issues. They are a DISGRACE and would never recommend to anyone. Read their policy carefully and ask plenty of questions before you commit to them.

Have had Healthy Paws for 7 years. Premium started at a low $33 per mo. Increased gradually at first, but just doubled this year to $255 per monthly. We NEVER filed a claim and ALWAYS paid on time. Healthy Paws will take your money. As your pet ages they will keep increasing rates until you are driven out of your policy. A win/win for Healthy Paws.

They don't pay for any wellness check up, which means I am just paying my monthly fee for everyone else's pet for the past 3 years... and when I filed for reimbursement, they requested "complete health history"... Why are there so many hoops for pet parents to jump through just to get what I paid for back? It's a really horrible insurance and I felt scammed.

Absolute scammy cash grab of an insurance company. I enrolled my cat about ten years ago and submitted his enrollment exam at that time. Since then, they did reimburse me for two claims, fine, that’s great. For the third claim, they claimed to not gave an enrollment exam on file and refused to pay out. Have talked to multiple reps without resolution and received notice that they closed my claim. I’ve paid $6k in premiums over the years and might as well have lit it on fire. If we didn’t have the correct documentation on file, why would they continue to let me pay them a premium for TEN YEARS? I am dropping them because clearly it’s smarter to just take the money you’d spend on their premiums (which were hiked up without notice, by the way) than to pay this scam company any money.

I’ve been a customer for more than 7 years. They used to have the best premium and customer service. I understand the increase in premium( my dog is not getting any younger) , but they started to give me a hard time with claims. They refuse to cover medically nessesary tests even after I provide notes from the vet. If I submit a claim once a year, no matter what is in there, they refuse to cover because they look at it as a wellenes exam. They don't read any medical records. Also, their customer service went down dramatically. People answering the phone sound like they just woke up and can barely talk. There is no way to trarck the appeals other than call them, but the only thing that would tell you is just to wait for an email which is always a script. I am now looking for a different company for my dog’s insurance. Hope they will at least have a better customer service.