I do NOT recomend this company if you really love your pet. I am insurance agent in California and it is normal companies increase your premium year by year, but from paying $89 a month pretend to rise to $227 a month is crazy, specially that my pet has no claims in 10 years. It is much better to get a good company that protect your pets during all their lives Also when you try to contact them they will answer in other country with a terryble accent There are a lot of good insurance on the market

Beware of Duplicate Billing and Unresponsive Support I’ve been a loyal Healthy Paws customer since 2014, but my recent experience has been so frustrating that I can no longer recommend them. What Went Wrong * In 2024 I adopted dog B and added her to my original policy (which I’d held since 2014 for my late dog, K). * Unbeknownst to me, B was also added to my husband’s separate policy (for his dog, S), so we’ve been billed twice for the exact same pet since February 2024. * No claims have been paid out for B under either policy—so we’ve paid double premiums for zero coverage. Attempts to Fix It 1. July 7, 2025: Spent over an hour on the phone only to be told it was “beyond capacity” and that management would call back within 24 hours—no callback ever came. 2. Messaged Healthy Paws on Instagram (screenshots available) with no response. 3. July 14, 2025: Called again, was put on hold until the call dropped, and couldn’t get through afterward. 4. Submitted multiple online inquiries—still nothing. Bottom Line I’ve asked repeatedly for one of the duplicate policies to be cancelled retroactive to February 2024 and for a full refund of the overpaid premiums. Instead of help, I’ve been stonewalled. Hours wasted, double billing, and no accountability—this is not the customer service experience I expected. For many years Healthy Paws were an incredible company. This is just my most recently issue with them. The last two years their service has gone downhill. Until Healthy Paws fixes this mess and makes it right, I cannot, in good conscience, recommend them. 7/18/25 Edit to add - received a call from a helpful manager AFTER posting my review. One policy has been cancelled. I will update when I receive a refund

We have had Healthy Paws Pet Insurance for our mini Goldendoodle since she was a puppy eight years ago. At that time we thought we were getting a good rate. Much to our dismay, they raise the annual premium almost yearly. Each year we are forced to lower our reimbursement percentage and increase the yearly out of pocket amount, We are now paying almost three times our original monthly payment. The company explained that there were too many claims from our state forcing the rates to go up. In my opinion this us nothing more than a bait and switch racket. Beware of getting sucked into this scam.

Continued payment increases with excuses that costs have gone up in states, claims paid out exceed revenue brought in, and generally tone deaf customer service. No option to get exams covered either (for illnesses or injuries). Just the actual medication and any procedures. Other insurance companies are cheaper and have good ratings. Last increase was 30% year over year!

I’ve been a loyal Healthy Paws customer since 2017. This month, my premium jumped from $268 to $1,430 — a 433% increase. No coverage changes. Just a new underwriter (Westchester Fire). Illegal? Perhaps. Unethical? Definitely. Shame on you, Healthy Paws.

PREDATORY rate hikes. I’ve had insurance with them for the last 6 years, and my rate shot up from $78 to $178 this year. Their reasoning was made with baseless claims that aren’t supported by hard data, saying the rate in my area went up because pet parents were filing more claims. Even if that were the case, never has my rate risen over 100%. Run away to Figo, ASPCA, or Trupanion. This company should be fined for what they do to the people they insure. Now my dog is 10, and I cannot switch my insurance up because of a pre-existing condition. I don’t know how these people sleep at night.

My dog has been insured by Healthy Paws for six years. I’ve never made a claim until now. Due to an injury from biting on something hard, he needed a root canal. I’ve been given the runaround for nearly two weeks. The adjuster considers it a “condition” vs an “injury.” He is asking for six years of medical records to establish it is not a preexisting “condition.” Healthy Paws does not allow consumers to speak with adjusters, only customer service people who read from a script. The only phone number for the entire company is that of customer service. The hold music is a loop of approximately 20 seconds from a Lynyrd Skinner song, and I’ve been on hold for over 40 minutes. Please check current ratings of insurance companies. They may have been rated #1 in 2017, but this is 2025. I regret choosing Healthy Paws, and I regret referring them to my friends.

I’ve been a loyal Healthy Paws customer since we brought our puppy home 10 years ago. In all that time, I never missed a payment and only submitted a single claim—for under $500. I expected premiums to increase gradually with age, and over the years they rose to $105/month. Reasonable enough—until this month. Imagine my shock when I received a new monthly bill for $325—a nearly 200% increase overnight. Thinking it was a mistake, I tried to reach their customer service. It took two days and four hours of navigating their phone tree before I could finally speak to a real person. I was told the price hike was due to changes in underwriters and my dog’s age. No notice. No warning. Just a staggering increase. When I expressed my concern, their solution was laughable: I could reduce the monthly cost if I agreed to a $1,000 deductible and only 50% reimbursement on future claims. In other words, I’d be paying hundreds each month for a policy that would be nearly useless in a real emergency. Pet insurance is important. But if you're shopping for coverage, do your research and seriously consider other providers before choosing Healthy Paws. What started as a trustworthy company has become, in my experience, anything but.

I have been a faithful customer of Healthy Paws singing their praises since 2017, starting at $50 a month for a 2 yr old dog. Each year they raised my premium until it is now $183 a month, even though I only filed a couple of small claims each year and they do not cover vet exam fees. Now all of a sudden they increased my rate to $467 a month which is a 255% rate increase. When questioning customer service why, it was obvious they no longer cared about me. I was told to do $1000 deductible at 50% reimbursement, but my premium would still be almost double what I am paying now and with a $1000 deductible I would never be able to use the insurance. NOT ACCEPTABLE! They claim it is because vets have raised their prices so much in California that the company is not sustainable. Strange because my two vets have not raised their rates for over 4 years and if that were the case why are other insurance companies charging a lot less? Wouldn't they not be sustainable either if that were the facts? My online research shows they had to pay out approximately $4.6M to customers for a class action suit they lost a few years ago in another state. Could this be the reason? I faithfully paid all my premiums for eight years on time and hardly filed any claims. Now I am forced to shop for insurance with pre-existing conditions like allergies or arthiritis which is totally unfair business practice. Be aware! They could get rid of you too, by raising your premium exhorbitantly when your dog reaches a certain age. Read ALL the reviews before signing up because it appears I am not alone.

We have been paying for insurance with Healthy Paws for 10 years. Our premium has gone up substantially and we have rarely used the policy. We recently had a claim where our dog had an illness and the vet gave us his notes documenting the issue. Healthy paws dismissed it as a well visit and refused to pay. We appealed the claim and have not heard back. They keep saying it is being looked at with no resolution. It seems more like a scam and not worth having the insurance with them. We have used other companies in the past that were much more reputable and responsive.