healthypaws.comReviews of healthypaws.com

This company used to be great. Since being bought by "Chubb" they have gotten terrible. They sent an email out today congratulating me and my dog with a Policy Anniversery! Email, when I opened it I saw they were raising the insurance from $202 to $335 a month — yes a wonderful anniverery gift 163% price change. They cover less and less, customer service is now all overseas or AI. They are all about profit and lie on the phone.

This company is criminal. They increase rates by hundreds (even thousands) per month as your pet ages. They are also forcing owners into changing policy when they are no longer profitable (increasing deductible, decreasing amount covered while simultaneously increasing premium) despite being loyal customers for years. There have been class action suits filed. Please do not trust this company to avoid ending up having your premium in the $1500/month range and your animal having pre-existing conditions limiting your ability to switch companies. This company is outright cruel and should be shut down. The amount of stress and heartbreak they are causing pet owners is DISGUSTING.

Scammy insurance raising the rates from 150$ to 409$ for a 13y old Maltese after paying in for years. Beware and avoid!

Predatory practices, STAY AWAY. I am filing a complaint with the department of insurance and also reaching out to this law firm to pursue a class action lawsuit: Haffner Lawyers in LA I hope you will join me. We must not let them get away with being so soulless, predatory and unethical. My story: I have four cats under Healthy Paws pet insurance, all of different ages. In 2024, my premium was $390+, already preposterous but manageable. They tried to raise it to over $900, but luckily I was able to bring it down to about $450 (still wild) by increasing some deductibles and lowering the percentage reimbursed for many of the cats. But then this year they are again raising the price to close to 1k, with my senior cat being $700 of that! This is INHUMANE, as they are basically trying to price out my senior cat, right when he needs his insurance most, and after we've been loyal customers for his entire life! So unethical! And the only options they offer to lower the price is to drastically lower my cats' coverage to the point where it wouldn't really even be useful, even for emergencies! Like I said above, this is predatory behavior.

After eight years of paying Healthy Paws insurance and finally getting back the amount close to the amount of the monthly payment. They changed my deductible from $250 to $500 and my reimbursement percentage from 80% to 70%. I dealt with the price increases from 50.07 in 2018, 112.72 in 2024, 152.44 in 2025. This year it was 142.95 down approx 10.00 but reduced policy as stated above.

Today I received notification that Healthy Paws withdrew $109 from my checking account without my approval. They claim an email was sent in July stating that my monthly premium would increase from $76 to $109. I never received the email or it went directly to junk mail. When I called to inquire they basically said "too bad." They refused to send me notifications by USPS mail and that they only use electronic transactions. Just a few short years ago, I was paying about $50 per month. Now that my pup is seven years old, its almost impossible to get reasonable insurance with another carrier due to pre-existing conditions. Finally, the representative from Healthy Paws was rude and would not let me get a word in edge wise. Extremely disappointed with Healthy Paws. I will start seeking out another carrier who hopefully will be more respectful of customers and willing to truly listen to concerns.

We enrolled with Healthy Paws after significant research of its policies and of other pet insurance policies in 2020. We brought home 2 puppies and landed on Healthy Paws. When I submitted claims in 2023, Healthy Paws acknowledged receipt...after I sent an email wondering why they had not responded. They then asked me to submit a claim! I sent them the claim originally sent...crickets. It is now July 2024 and I still have not heard from them regarding my claims for my dogs. I DO NOT recommend this company. I don't know if they were having an internal issue with employees, but no customer should experience this, especially when all account payments are completed. I also find it interesting that they (Healthy Paws) so readily push out policy information and updates about policy changes that will increase customer fees. It's funny how they never forget to contact customers about increasing their annual fees! Cancelled.

I’ve made one reimbursed claim in the 5ish years that I’ve had Healthy Paws. They gave me the absolute hardest time saying they never received any records for my dog from her vet, but they had been sent multiple times from the vet with fax receipts. It finally got resolved after many months and headaches. Fast forward to my second claim most recently, they tried to claim my dog needed a whole new enrollment evaluation (won’t provide a reason why) and did not have her vet records yet again. They won’t process the claim. My dog is 5 years older than she was when she first started on the insurance and they can now claim that she has changed in health. And their premium keeps increasing - so I’m paying $15 more a month and they’re losing my dog’s records. Feels like they’ll do anything to take your money but never reimburse you for claims within your policy. Definitely do not recommend.