Healthy Paws, a Chubb Company Reviews

We have insured our 3 year old lab with Healthy Paws since we got her as a puppy. Their claims process is mostly easy and they really came through for us when she suffered an unfortunate accident resulting in dental injury that required multiple surgeries this year. They are pleasant to deal with and work to get your questions answered and claims processed in a timely manner. We would definitely recommend Healthy Paws to other pet parents!

I have had Healthy Paws Insurance for a number of years. They always handle my claims expeditiously and their customer service representatives are so friendly and caring! You can rest assured that when that emergency arises (and it will) having your bill covered is such a relief.

Healthy Paws is affordable pet insurance that actually covers things when you need them to. When my cat was sick it was super easy to submit claims (I was able to do it from the vet’s office) and everyone I’ve spoken to on the phone is super helpful. I got my reimbursement check within 3 days.

Three years ago I adopted a rescue… Three years ago I adopted a rescue puppy & a friend recommended that I get Healthy Paws insurance, just in case. Luckily I did, and one of the best decisions I ever made. Healthy Paws has been so incredibly easy to work with. Submitting a claim is really simple and I'm always surprised by how quickly I get a response, then updates, then a reimbursement check. My dog recently went through knee surgery and It was such a lifesaver to have Healthy Paws behind us every step of the way. I can't say enough about them. Healthy Paws Pet Insurance is simply incredible!!!! :)

Reasonable prices with excellent coverage and customer service. Quick reimbursement. Easy to upload invoices. I highly recommend Healthy Paws! We are very pleased with how easy it is to deal with this company especially in a difficult time of need with emergent vet services.

“Disbelief” is the only word that comes to mind when reading the poor reviews for Healthy Paws on this website. First, in response to the people complaining about increases in cost: it is common practice for insurance premiums to be adjusted based on the total amount of money the company spends on all claims within a given year. This is not specific to Healthy Paws; they are not out to get you.

My experience with Healthy Paws is Amazing!!! My dog is my son. We love him, and having Healthy Paws insurance to back us up at any moment, (and I really mean ANY MOMENT) is just a breath of fresh air. He has had around 4 surgery so far 2 of them this year, and healthy paws was able to live up to our expectations in all of them. Great Customer Service, Great response time, and the app. is so convenient when making a claim.

I have insured my dog Benson through Healthy Paws.. I have always been happy with his 90 percent with a 200 dollar annual deductible. It gives me the peace of mind to know I never have to base medical care decisions on financial concerns. Healthy Paws reviews claims and quickly reimburses via direct deposit. I couldn't be more happy with this policy and coverage.

While it would be nice for Healthy Paws (probably like all pet insurance options) to be a bit more transparent upfront about what isn't covered (vaccinations, regular wellness checkups, and most annoyingly the checkup/consultation portion of what are otherwise emergency care visits), we've overall been quite satisfied. The website is user friendly and the reimbursements are prompt and painless.

Healthy Paws has been amazing. I was weary about getting pet insurance as I thought I might not need it but I sure have! My dog has severe allergies which require monthly ** injections and immunotherapy shots. He has torn both of his CCLs and we recently had an overnight hospitalization for eating something we shouldn't have. Healthy Paws reviews our claims SO QUICKLY, typically the day of submission or the day after and we typically have the reimbursement deposited into my account the next day. They are also extremely responsive to any and all questions. The monthly rate does go up but nothing crazy so far and so worth it to know that I can afford to give my pet the care he might need.

I was a customer for 5+ years and purchased policies for several pets. As others have said, their service is modern, fast, and easy to use. I was initially impressed and glad to have the peace of mind. Unfortunately, it seems that their approach is to hook you and then go after your wallet as aggressively as they possibly can. The prices they offer to new customers are very attractive. However, their premiums consistently increase 30-50% every year, so factor that into your decision when you sign up.

I have had this insurance for 8 years. I have had this insurance for 8 years, since my dog was 12 weeks old. She is 8 yrs old now. Healthy Paws just increased our payment from $95 to $143 per month. A 45% increase. We hardly used this insurance. Bad customer service. They will not work with us. Rates should be based on usage and how long you have had the policy. This should not be a one size fits all. I would NOT recommend this insurance unless you plan on your dog dying young.

By far the best pet insurance I have ever had. Hassle free, quick to reimburse, even asked me how my dog was after surgery. I was hesitant on getting pet insurance initially but I’m SO glad I did. Accidents happen. 5/5 paws! Amazing health insurance you guys have at Healthy Paws. Thank you so much for taking care of my dog.

This is the best insurance company I have ever dealt with. Money is the last thing you want to worry about when your pet has a health accident. We have recommended Healthy Paws to all our friends who have pets. Not only do they handle claims on time and have great rates, they are also concerned about your pet and follow up to see how they are feeling. I have never seen an insurance company do that.

I have never had pet insurance before, but Healthy Paws had been a wonderful first experience. My 5 month old pup ended up in the emergency vet with a $4500 bill. It was super easy to start my claim… All I had to do was upload my invoice from the hospital. They processed my claim in 2 days and I received my reimbursement check 3 days later. They even checked in afterward to see how my puppy was doing! I couldn’t be happier.

Healthy Paws denied a claim and an appeal for medication for our pup's diarrhea claiming it is a pre existing condition. Regardless of the cause they are denying any claim regarding diarrhea so if your dog has a chronic condition or just gets into something they weren't supposed to they will deny the claim due to the one episode of vomiting. I'm assuming they will now deny any issue that ever comes up even if years later involving the GI tract so be aware of how they operate and how aggressively they try to deny claims.

I have had Healthy Paws Pet Insurance for years and have been satisfied until this year. Overall it has been easy to file claims and they pay within a couple of weeks. This year the company has definitely changed! They would not pay some claims without our pets complete medical records. This is after they have been paying for these pets for years. The worst issue is the huge increase in premiums this year. Two of our dog policies went up 50-60%. That is a completely unacceptable price increase. I feel there should be a law against this type of price gouging! I talked with the company and was given some excuse about pet claims in Missouri being really high last year. I don't buy the excuse! I had to decrease my coverage and am currently shopping for more affordable insurance. Warning, do not get Healthy Paws Pet Insurance!!!

Premiums are high and constantly increasing even though you may never have a claim. When you make a claim they constantly present obstacles. For instance, I gave them all the medical information they requested and then they delayed about a week and asked me for the same information again and again. They appear to use stall tactics not to pay claims. When I call their claims number I have to wait on the line for an enormous amount of time. They answer the phone fast when you call about making a premium payment or when you are inquiring about taking out a policy with them. In my experience with Healthy Paws Pet Insurance they only want to take money in but they provide little to no claims service. Do yourself a favor and find pet insurance elsewhere with a company that has a good claims reputation. I would give them a zero star rating.

I chose this company based on word-of-mouth and due to them not having yearly or lifetime payout caps. After only two years, my healthy dog (minus some minor allergy issues) has seen an increase in the monthly premium amount by more than 50%! In two years! When I contacted the company I was told that this is because they are paying out more in claims than they are collecting in premiums in my area/state. Basically, my premiums are going up because of other people’s animals. From year one to year two there was a ~14% increase. From year two to year three, the increase was just under 40%!

We've had Healthy Paws for 2+ years and it's been a great experience. They've paid all 3 of our claims for our Corgi's recurring joint problems within a matter of days. At first, we didn't realize we hadn't submitted all of the right documentation but when we filed our first claim they were quick to communicate what was needed and we got our $ quickly. Highly recommend!

My pet insurance premium went up 30% when my pup hit 7 and then another 50% when my pup hit 8. So if you buy their pet insurance, you can expect double digit increases when your pet hits senior age. Healthy Paws will tell you premium increases of any amount is within their legal right, that your state approved the increase, that they are just doing it cover their increasing costs. The sleazy part of pet insurance is that the consumer can't just switch companies because future insurance won't cover preexisting conditions, so I am stuck with the double digit increases despite how unfair it is. I regret buying with Healthy Paws - you will get no sympathy when you try to explain the havoc this will wreak on your budget.

My dog got heartworm. They covered medication costs only nothing for treatment costs and even that was a major pain to collect with them demanding complete medical history which they already have each time. Scam.

I had my two dogs covered through Healthy Paws insurance. I rescued both my dogs, so their histories were a bit unclear. Both dogs got full physicals from our vet after we adopted them. I submitted a claim for my 2 year old dog which healthy paws refused to cover medical tests because they claimed they were due to a pre-existing condition. My husband and I understood that and decided when we adopted our puppy this year, we would have him covered through Health Paws as well.

In a little more than 2 years, my cat's insurance premiums increased 43%. In a little more than 5 years, my premiums for my 3 dogs increased 126%, 136%, and 165%, respectively. When your pets are young and first enrolled, they do not fully inform you of how they will increase your premiums as your dogs age and claims add up. The increase of 136% was not due to any claims, just the passage of time. I do not recommend Healthy Paws, to which I now feel locked in because of the ages of my dogs. Very frustrating. It is not the security I thought I would be receiving.

Healthy Paws Insuranse is simply rip off! Stay away. The premiums for my healthy young dog went from $26 to $49. And I never once had a claim. The explanation I got from them?! “We count the whole amount of reimbursed claims and divide them across the board. So your state is high claims state. That why your premiums went up” WHAT!? I canceled the insurance. The money I spent could have been put aside for my dog elderly years. I read other reviews, other clients had the same complaint. I am seeing premiums charged over $100 a month over the years for a healthy pet. Ridiculous!

Here is my premium history since initial sign up:

My rates went up after I submitted 5 claims (didn’t even have the insurance for a year). After a major surgery on my pet’s leg, at day 10 they suddenly lost my paperwork and I had to start all over again and wait another 2 weeks to see what they’d pay. They take your percentage out of your deductible so in the end, you’re really paying more (20% with $250 deductible adds $50) of a deductible than you think.

Healthy Paws Pet Insurance has been one of the greatest investments I have made for my 4 dogs. Without the policies, I would not have been able to afford the best care possible for them. From something minor, such as an ear infection, to a major surgery of a total hip replacement, Healthy Paws has allowed my dogs to live happy and healthy. Yes. The premiums increase every year. But that is to be expected, as premiums for human health insurance typically increase every year. Some years, the increase is more than expected, but even with the large increase, I had peace of mind knowing that had any medical scenario occurred, I could have my dog treated without the guilt of financial devastation.

Don't waste your time or money. They denied my claim on my kitten because previously he had a hairball when he was smaller and because I used words like "hacking" and "breathing weird" they said he had pre signup symptoms. Per my vet and medical records my cat was diagnosed and treated for a hairball. He was not diagnosed with or had problems with asthma until 8 months later when he was diagnosed with kitty asthma. He obviously was breathing weird because he was trying to cough it up. Much different than how he is now. They obviously are just going to search for a reason to not help than help. Spread the word and avoid Healthy Paws if you want my advice! Btw, I'm a nurse, the breathing described and discussed with my vet were very different. I was only panicked with the hairball because unfortunately a couple months before my cat suddenly died.

This is a rip-off company. All these advertising about covering for drugs and medical bill is all a lie. They only cover accidental so getting hit by a car is a very few that qualify and that's it. Stomachache, diarrhea, food poisons, fleas, skin condition, ear infection, you get ZERO. STAY AWAY.

My Dog is now five years old. I got HP Ins for him back in January 2017 when I adopted him. We started at $34 per month. Every year the premium is increased by $12 to $13. I am now on track to pay $70 per month. This is an over 100% increase in monthly premiums. My dog is healthy and has not needed to use the insurance. I am now dropping coverage as it will be cheaper to save or invest this money and pay out of pocket. This is a scam they will increase till you drop out. My dog life span is 13 to 15 years. I can only imagine what that premium will be.

This is a great company. I have never had a problem. My cat, Monica, got really ill and eventually passed but they were with me all of the ways through. I just got a new cat and am signing up with them again. I really like HP because you save money w/ the monthly premium because they don't cover routine visits/shots. I need insurance for emergencies, not routine visits. Thanks!

The company has audited the claim and found an error and will now take care of the bills. Thanks, Healthy Paws for getting this resolved.

The first claim I made was a disaster! After sending in ALL requested information, I received requests for MORE information! And, the company couldn't/wouldn't tell me WHAT information they still needed. We went back and forth...them. We need more information... (Too during this time, I kept receiving messages they were working on my "claim". I have 2 claims in to them. When I asked which claim, they couldn't/wouldn't tell me.) M. What do you need?... Them. We need more info... Me. What do you need/be specific...etc. So, I called their customer service. The clerk had a hard time finding any of my info. When she located it I told her I just needed to know what info they still needed. She said it looked like they had everything they needed. But 2 weeks later I was still only getting messages they needed more information... No closure on the claim!

I had to change my debit card number the website, which I did per their instructions. I even called them and it is also stated on their website and phone message to perform that task online. They canceled my account, they confirmed the number, that it was changed in time, confirmed all was fine on my part but for some reason they did not run it. It was not denied after the date so fully their mistake. I never even used the insurance, just paid and they refused to reinstate it. The first customer service rep was horribly rude, the second one flat out lied, the third was good and said I could re-enroll, but if I ever needed to file a claim I feel like I would be treated wrong again by customer service so I will not re-enroll with them.

Every single time that I submit a claim with them, which is usually for minor things like ear infections, allergy shots, etc., they request that my vet send her ENTIRE medical history. This doesn't sound so bad when you have a 6 month-old puppy, but she is now 5 years old and her history is that much longer. She recently had to have emergency surgery for a hernia that appeared and quickly progressed. She has a vet that comes to the house, so I had to take her to an emergency hospital to be evaluated and then to a separate hospital for the surgery 2 days later. In between, her vet sent her a rx for antibiotics. This happened in August. It is now the 2 days before October and I've only received reimbursement for ONE claim. There are 3 claims in total.

We have had Healthy Paws since our dog was 8 weeks and he is now 15 months. The claim process is horrible. Our pet has an ongoing hot spot that the vet has been treating the past month. Our policy states that they cover all injuries including infections, bloodwork and x-rays. Well in submitting the claim it was rejected twice even after a manager told us to resubmit sending along medical records which described the repeated visit for the infected leg. They still rejected the claim so now the manager said he would appeal with all the time spent and lack of promised coverage. I would recommend shopping elsewhere.

Like all of pet insurance, I wish it covered more like exams and dental and the annual price increases have been substantial. But, their service is great, payment timely and I haven’t found a plan I like better.

If I could give 0 stars, I would. They bait you in the first years and then increase their prices unreasonably year over year, claiming that it's reflecting costs. How could the cost of running healthcare for cats increase by 85% over 3 years? It makes no sense, that's just baiting customers and then price gouging.

It was a emergency situation. I was watching my roommates rescue dog. She had just took him in like 8 days prior and she also had to leave town on a family emergency so you can see it was a terrible situation. She didnt have insurance yet and he got pretty sick so I called around and found Healthy Paws. At first I couldnt afford all up front fee and the person I talked to wasnt very compassionate or friendly? So I asked for someone else. I wasn't giving up. This dog needed medical attention. I finally was approved at a fee I could work with. It would be tight on the home front but we were fine and our rescue dog Titian was feeling great! Thank You. I am so thankful. Now I have coverage built up for Titians well check ups and other things also? It really puts my mind at ease! I love this big baby Titian.

We think Healthy Paws offered the best options for coverage vs pricing eight years ago. Once you met deductible they cover 90% of Vet bills (excluding office visits charge). They usually pay within a few days of claim and mail checks within a week. Customer service is top notch. Only downside is the increase of over 50% in monthly premium when we moved from New England to SC.

I have had very good service from Healthy Paws. My dog was diagnosed with Cardiomyopathy last year and has required expensive testing and ongoing medications. My only complaint with Healthy Paws is that they don’t cover any exam fees, which add up quickly. There are a couple of other pet insurance that do. Still, I highly recommend Healthy Paws.

One of the only companies that covers new senior pets! Reasonable rates, easy to file claims thru smart phone app with photo of invoice, pays in just a few days!!! Excellent customer service! Very responsive to questions or issues. I have four dogs ages 5-17 that I have insured for the last 8 years or so.

I have been fortunate to have fairly healthy cats. I have used Healthy Paws once & they were great. Their pricing is great & if you have a pet who becomes very sick or is injured this insurance has great plans. If the costs skyrocket don't worry because you're covered.

They help all my animals! They're great! They're affordable and extremely nice, they are very gentle with your animals and being a dog groomer... I appreciate the kindness and love when it comes to caring about your pets.

Every year, HP raises my premium, which is not unexpected, but the increases are obscenely steep, and just keep getting steeper. It started with a 20% increase, then 30%... and 4 years into our policies (2 dogs), we now have a 60% increase for each policy. It becomes prohibitively expensive. It is true that they never change your coverage amounts, but they increase your premium until you have no choice but to decrease your coverage and/or increase your deductible to bring the premium down to a more manageable amount. It’s clearly a strategy.

Over a 5 year period my premiums for 2 labs went up 200% with 2 claim between them. One was recent and I had to appeal claim to get blood work covered that was ordered for a protein issue. They base your deductible on your percentage of coverage: ie a $500 claim does not totally apply to your deductible, only 90% does (if that is your coverage) or $450 of the $500. They charge your premium the day before which is fine unless you are canceling coverage which I did.

I was a customer for a couple years. This past year with filing claims, the company has been increasingly difficult to deal with and now are not covering expenses which are covered by the plan. I submitted a claim for my dog with a urinary tract infection and as part of the illness visit, the vet ordered basic labs. Healthy Paws refused to cover the labwork citing they don't cover "wellness/ preventative labs". I noted that these were not preventative labs but ordered due to an acute illness. But healthy paws didn't budge stating this was what they determined. So for a 350 dollar vet bill I only received 80 dollars.... I wouldn't care that much but to deny coverage for labwork that should be included is terrible.

The claims are paid fast, but they raise their prices way too much every year. My policy just got an increase of $80 per month with the same ridiculous excuse every year “Your premium is going up because the increase in claim payments have been faster than the previous premium increases in your state. As a result, we need to increase the premium so you and your pets can continue to have your choice of the best veterinary care." I do not recommend them.

When you get quotes from pet insurance companies Healthy Paws will stand out and look affordable and like it's the best deal you can get. Policies can start at $35+/month. What they don't explain or state anywhere is how much that premium will increase year over year. How convenient. In your second year your premium will increase 15%-20%. So factor that into your math when you look at getting the policy with them in the first place. As others have stated they won't even notify you that this increase has taken place. You will just see that higher number charged to your card without warning. My plan increased by 16% and this is only my second year with Healthy Paws. Can't imagine how much it will increase next year.

We purchased a complete coverage policy for our Golden Retriever when she was 18 mos old since we had some medical issues with our prior Golden. We have had the policy for 3+ years and every time we submit a claim for minor services (UTI, stomach issue, etc) we have been denied. They take several weeks to evaluate claims, customer service stalls and has been of no help and to date we have paid over $2000 in premiums and they have not reimbursed one bill. Canceling the policy takes more work than submitting claims did. Strongly advise you consider other carriers.

Have a friend with this insurance so I tried to get a quote. Terrible coverage offer for 6 year old healthy dog compared to friend with much older dog with health issues. Rep. could not provide answer as to why nor do anything about it. Waste of time!

I can’t stress this enough. Please don’t get this insurance. I got my first pet and decided to get him insurance for the unpredictable. So first of all through out his first year nothing was covered. No emergencies, no meds, no nothing. My dog hit 10 month and was diagnosed with something called a “crypto” which means one of his testicles didn’t descend making it very dangerous and possibly life treating if left untreated.

The subject line says it all. Through a "personal" email from a surname-less Jennifer at Healthy Paws, I learned that our monthly premium was being raised for our pet. Three words come to mind: unconscionable, tone deaf and just plain inhumane. In a time when even large corporations are doing their part to assist how they can, Healthy Paws stands out like a scourge in the industry. We cancelled immediately after as our actual representative named "London" blithely disregarded our request to stay at our current premium as she spouted pre-scripted corporatisms and double speak. This company and its representatives should be ashamed of themselves.

I have been with HealthyPaws Insurance since 2014 and have not had any major claims over the years. They have gradually increased their premiums every year by $4-6, I figured due to my dog's age, but I just received and email saying it was going up and additional $20/month! The guy on the phone said the increase had nothing to do with me or my pet, but that the average amount they're paying out in my state (Colorado) has gone up - so everyone's premiums have to go up. He also added the ever so helpful info - I can always decrease my premium by decreasing my amount of coverage (increasing my deductible or decreasing the percentage paid back, etc...). Time to shop around again after 6 years!

I insured my puppy, labrador retriever. They denied her claim for an ear infection after making me wait 14 days for a decision. The reason that they denied my claim was because she had an ear infection 4 months ago. They considered this a pre-existing condition which is nonsense. Labrador Retrievers sometimes get ear infections. We were not battling the same ear infection from 4 months ago. This ear infection was even on a different ear. This pet insurance is a joke. Be careful. If you ever had your dog step on something and limp for a day, odds are you will be denied for any leg injury in the future years. Good Luck. I'm dumping Healthy Paws. Waste of money!

When I first got Healthy Paws insurance in 2017, it was reasonable. On my anniversary they raised my insurance about 10% and said it was because California was putting in a lot of claims. I just got another raise on my second anniversay, but this time it was raised $40/month! They once again gave the same reason. I will be looking elsewhere.

Updated on 03/29/2021: I live in New England, in the Boston area. I understand that it is an expensive place to live, but there are a LOT of dogs. My premium has gone up $80 in the last 2 years. Every May, it's been going up an average of $20–30. What they tell you is that, sure, they will never raise premiums because you use the insurance, but they raise it like crazy if other people use it.

I used to love HealthyPaws and been a customer for at least four years but they have started to really gauge their rates. 12 months ago they raised it from $47 to $56- called customer service and they said it was because so many people had filed insurance claims. Now I looked at my bank statement and they have changed my auto payments to $85! I called again and this time they said the reason was that the rates in California had gone up. Really unfortunate because this used to be a very dependable insurance company and I used to recommend it to every pet parent. Now I'm ready to change to another company.

I have been a policyholder since 2016 and was initially very happy with the service until March 2020 when my premium increase from $34/month to $51/month without any prior notification or request for me to authorize this charge. When I called Healthy Paws to inquire, the representative on the line simply stated that cost of claims in my state (CA) had gone up and this was the explanation. Additionally, she stated that she could see I had not been notified of the price increase and would ask a manager to contact me in 72 hours.

I paid for this insurance for years because I loved my dog and I thought if she got sick I would have coverage. She did get liver disease and they did not pay anything. I finally had to put her to sleep. She was so sick. Do not buy. A WASTE OF MONEY. Put your money in a savings account, you will be way ahead.

I have just been notified that my rate will increase by 36% compared to last year (113% increase since we started with Healthy Paws). This is an abusive rate hike as, due to pre-existing conditions, I am unlikely to find similar coverage from a different insurer. After my rate hike last year, Healthy Paws stated they would provide documentation showing an increase in more frequent and more expensive claims. I spent months following up on this promise to which Healthy Paws kept apologizing for the delay in providing documentation, but in the end, no documentation was ever provided.

I have a 3 year old Labrador retriever. No health problems. I have been a member for 11 months. They just notified me the annual fee will be going up 25%. I called them and asked why. They said all the fees were going up. I WILL BE CANCELING MY AGREEMENT WITH THEM..(WHAT A SCAM..)

Their re-imbursements are pathetic and they make you jump through insane hoops to get the tiny percentage of the total cost back. You are better off just opening a savings account for your dog and adding 20-50 bucks every month. This is seriously one of the most backwards rip off companies I have been unfortunate to do business with.

We have had HPPI for 3 years. This year the claim increased by 30%. When I called to ask why, they said that the amount of claims in my state have increased therefore my premium must as well. From their email "Your rates never increase for filing a claim." So, my rates won't directly increase because of any claims filed but because others file claims as well, your premium will increase. Once I brought this up to the customer service agent, she immediately wanted to have a manager call me back. From reading some of the recent reviews on here, at least 3 other people in different states are increasing as well.

I’ve had this insurance since adopting my Chihuahua puppy. So about 4 years. My rates went up slowly in those 4 years. Maybe $1 or 2 monthly if at all. I made my first minor claim. The bill was almost $400 but after my $100 ded and everything they don’t cover (vaccine and office visits) I got $65. It was fast and easy. I got the direct deposit in my account literally in 2 days after filing the claim. So I give them credit for that BUT my rate jumped up almost $10 a month after that. Now it’s kind of become pointless. I’d rather open up a safety net credit card for any medical bills from this point on. It’s only $10 but $40 a month was pretty steep. Now we are talking $50? I’m considering shopping around or cancelling. I’m not sure if their practice is to hike up your rate after claims. I’m afraid to find out how high it will go.

They refused to give me my vet money back due to my kittens first check up. They don't tell you you have to take them to the vet prior to the vet visit. Now I'm out $243.00 because he wasn't sick to begin with! That's BS. Please make sure you read all the rules and regulations or you're not going to get reimbursed and this insurance is a complete WASTE OF MONEY!

I got Healthy Paws Insurance when my dog was less than a year old and had one claim when he was about 2 years old for $900. Since then I have had zero claims and my premium has steadily risen from about $45 a month when I started to about $60 roughly 7 years later (not terrible in my mind). However when I updated my address in their app (As a military member I move around a lot) they had a notification of what your premium IS and what it WILL BE based on your new address, It stated it IS $60 and WILL BE $60, (exact same amount) so I agreed (I absolutely made a note of this). Apparently however, the next day they took it as an opportunity to raise my premium to $159 PER MONTH and not tell me (I found out later from my card statement).

I am a vet tech and currently a 3rd year veterinary student. I have had this insurance since 2017. It has been wonderful up until the past 6-10 months. They have changed their customer service to what seems like a third party company of robots. I lost my beloved 1.5 yr old cat in January and submitted claims this past week on his final invoices. He had Type 1 diabetes and I am so thankful I had signed him up ASAP as a kitten before this showed its face. They were great with refunding claims quickly back in August 2019.

I am a registered veterinary technician, I have been working in the vet field for 10 years now. I did a lot of research when I chose an insurance company, and I didn't start out with Healthy Paws, but I liked that they offered no lifetime maximum caps on coverage. Anyway. I've been with HP since 2016. I have never had issues with them until the last 6 months.

A smooth claim when our dog unfortunately had back surgery to fix a herniated disc, handled smoothly and quickly, thank you Healthy Paws, we were compensated within a fair time frame. This interaction after 3+ years of premium made me feel great about the decision to go with this insurance provider.

Once again an exorbitant increase in Premium!!!! Here is my Premium History.

I have two dogs, they are like my kids. I care about them so much that when my smallest was 5 months old, I put him on my older dog's pet insurance policy. I had recently switched her over to Healthy Paws. When I put him on the policy, everything seemed fine. He is currently only 2 years old oh, and I got him his policy when he was five months old. My rates have been going up so much each year this year I inquired as to why the drastic hike.

I would give 0 stars if I could. They say they complete claims in 7-14 days, this has never been my experience. Their average time is more like 28 days. They wait about 10 days to tell you they need the records and action required on your part, when you've already submitted their records about 10 times. Their app and website aren't very informative, customer service is poor and slow. They will cover small amounts, but then when you get referred to a specialist, then they try and say preexisting condition and won't reimburse you like they are supposed to. Don't fall into the trap like me.

I have had Healthy Paws Insurance for about 2 yrs and just had my first claim, which they were prompt to respond to. My $250 deductible basically 0 out any reimbursement or payment for services rendered meaning, my check for reimbursement was approx. $250. Immediately following my insurance was raised $15.00+ monthly and I was told that it was because there have been a lot of claims raising the price of the insurance. Ironically, this was a poor excuse considering we have about 1000 dogs in the neighborhood, we all utilize the same dog parks and many of us have this specific insurance. People talk.

What a mess this company is. 45 min wait to speak to them over the phone at any time of day. They lose your claim, they give misinformation, they don't know what they are doing. Hot mess express. They are the worst pet insurance you can get. Been with them for 8 years. They've gone downhill FAST. They don't process claims, they don't know what they're talking about, the phone reps are mismanaged. I can't stress enough to stay away from this company.

I am writing to pat this insurance company on the back. What would I do without you? It was the most horrendous year of my life, and without Healthy Paws, I would really be up a creek. In Nov. 2019, my 6 year old dog, Polly, was diagnosed with IVDD and had extensive tests. Sadly, after working with her for several weeks, she was making no progress and had to be put down. That was SO hard, and HP came in to help with the lion's share of my bills.

I have actually never written a bad review here before. I have been with Healthy Paws for 4 years, and never had to file a big claim. I filed a claim, for which they put in the wrong date of service on the invoice, causing it to roll into the new year and fall under the new deductible, not being covered. I have called over 4 times, holding for 30 to 40 minutes each time with no results. I have been promised that the situation has been escalated and I would receive a callback... never happened.

Purchased coverage in January 2016 for 2 cats. 2 claims... denied, 3 questions answered "no", and premiums increased 72% since inception. Also purchased Banfield Optimum plan which is much more useful, but HP doesn't give credit for it.

I had them for 4 years, never received a cent from them, but yet they continued to increase my premium. I recently put in a claim for my 4 year old Morkie who had a hole (literally) in his face due to an infection caused by an abscess. Coverage was denied by them because they felt that his illness falls under dental regular care instead of a medical necessity. I would love to know how they would feel if there child is rush to the hospital with a hole in their face and told to go see a dentist, it just needs regular care.

I had this service for years. I finally canceled after never putting in a claim. They sent me an email saying my policy would cancel a month later. Before the month expired I attempted to log into to review my policy. I no longer had access to my policy. Even though I am still a policyholder. I tried calling three times to support. The IVR system is horrible and overly wordy. The first two times the calls got disconnected. The third call I spoke to Ricky in Arizona would couldn't help me and refused to allow me to speak to a supervisor because "supervisors don't take calls." Still waiting on the supervisor to call me back. This is how they treat their customers. Like dirt.

We had a great experience with Healthy Paws. One morning our cat Harry wasn't moving. He hadn't been eating or drinking for a couple of days. That started a process of contacting our vet, taking Harry to the Emergency room, getting some treatment and tests, back to the Vet, and into a multi-day stay in the Hospital, with Vet followups. During that time it appeared in initial tests he might have cancer, which scared us silly. It turned out not to be cancer, and Harry finally did get better. Needless to say though, before we knew it, the bills for the tests, vet stays, etc. skyrocketed and caused havoc with our budget. Healthy Paws was wonderful in working with us, and while everything wasn't covered a big chunk of it was. We are incredibly grateful.

After being with them for 7 yrs I went to their website just to see their rates for new customers. I was paying $57 per month.. New customers with my age dog were getting quotes at $47 per month. I complained and they lowered my rate...for 2 months, then re raised me. Told me those rates were only good till my renewal date. But they lied, I was told I was locked into the lower rates for 1 yr. Smh. Go the PetsBest.

Healthy Paws does typically increase premiums annually but their coverage and claims process makes it worth it. Healthy Paws has been nothing but the best for me and my dog, Emmett. I sing their praises whenever someone asks me about pet insurance. Emmett recently (3 weeks ago) had to get multiple MRIs and x-rays done and was diagnosed with multiple bulging discs causing nerve issues. Healthy Paws covered all the diagnostics and his new medications with no complications — and completed the claim before Christmas. Healthy Paws makes it possible for me to give my dog the best vet treatments knowing I’ll be reimbursed.

Healthy Paws used to be good when my pets were young, now that I need them after 7 years of paying and not using the policy they want to deny everything. They are creating obstacles and creating made-up requirements. It’s also hard to speak to anyone in the US. The calls go overseas and that is fine but these overseas customer service people are not powered with any decision making. They have to call the US and have me on hold for every question I ask. Wtf? Why can’t I speak to reps with decision making power! I am on calls for over an hour on hold all the time. Then I have to call at least 3x to get any resolution. Healthy Paws rating at 1.5/5 and I’m not surprised. For anyone who rated higher, just wait until your furry baby turns 8 plus..., you will experience lots of road blocks to get any reimbursements. Really an epic bad decision to go with Healthy Paws! Look elsewhere.

They’re ok with small claims but if you file a major claim they will put you through hell. They’re awful people and run a horrendous business. There’s a special place in hell for people like this. If I could give it zero stars I would.

Nothing but great experiences with this insurance company. I was originally with Trupanion and moved to Healthy Paws as it was both cheaper and the policy/coverage was a far better structure. Since moving over we have had a number of visits to the vet and unfortunately an overnight at the emergency pet hospital. Our dog Jura was extremely sick and the team at Healthy Paws really made the claims process so simple. The team reached out following Jura's stay to check in on her and see how she was recovering. It was a really personal touch showing empathy and concern for our beloved family member. I have never experienced any issues in reimbursement of my claims for items within coverage. Wholeheartedly recommend.

Healthy Paws Pet Insurance poses as being concerned about your fur buddy, but all they care about is your wallet and refusing to reimburse claims. I followed their directions exactly when submitting my invoice for reimbursement and the entire Vet record for the year. Checking back on their web site they had no claim posted by me.

A year and a half into having this pet insurance, I realized that my $250 deductible was being calculated based on the 80% reimbursement rate affiliated with my plan and not the actual $250+ out of pocket costs. I will essentially be paying about $300 in deductible costs because of this calculation before my coverage benefits kick in. I feel as though this was falsely advertised to me when I was inquiring about the plan initially. Be mindful of this when you are comparing your options.

I have not yet used Healthy Paws for an incident. My issue is that I cannot get a simple question answered... "Should I send in bills as I accrue them for the deductible, or wait until there's a claim and send everything?" I have called numerous times, left my phone # for a call back (not received). I sent an email to HP and the reply stated to look at their FAQ sheet... Duh! My question is that if they are so bad at customer service, what will their claims service be like?

Absolutely false statements of coverage on the website. My kitten was born with a visible umbilical hernia, a condition they explicitly state they cover on their website. However, when I submitted my claim for the repair, they stated it was a preexisting condition and did not qualify for reimbursement. While the representatives I spoke with on the phone understood and agreed that it qualified, it kept getting rejected during the appeals process by the claims processor. When I was finally able to speak with a supervisor they stood by the argument that it was a preexisting condition bc it was visible during her first vet visits. The vet even wrote a letter for me to submit, stating it was a congenital condition, no doubt visible at birth. The statement that they cover congenital conditions is completely false. This company is fraudulent and a scam.

I have been a customer since 2013. In those years, I have used this insurance once. Every year, without fail, they have raised my rates. This year, however, they have decided to raise my rates an astronomical 35%. I run a small company and cannot imagine how this is a viable business model. It is price gouging and it is wrong.

I thought Healthy Paws had denied a claim. It turned out that it was a duplicate claim and they actually did pay it. I retract my 1-star review. They have been outstanding and I would definitely recommend them.

We’ve had Healthy Paws for 10 months to cover our Golden Retriever puppy. Unfortunately, we’ve had to file a number of claims this year due to multiple UTIs and cases of giardia. We were shocked when we received notice that our premium was increasing 45% after our first year ($55/month to $80/month). Our neighbors have a two-year-old Golden Retriever (same breed, same zip code) and he was much healthier this year. Their Healthy Paws premium increase was only 14% ($48/month to $55/month).

This place takes months to approve a claim. They conveniently lose your pet's medical records and are not proactive to tell you what they need, and are too lazy to reach out to the vet to request them. Don't expect them to reach out if they need something for your claim. They will just pretend it doesn't exist and you will have to contact them ten times with the same information. Don't use them. They are awful.

We have filed our first big claim with this company and we are being given the run around regarding service. They continually send emails saying they can not process the claim because they don't have the pet's full medical records. I have uploaded all medical records and I respond to these emails with a call to Healthy Paws customer service. The reps tell me that they see the records, and that the claim will be processed, but a few days later, we receive another email.

I have been a customer since 2014, with two dogs covered. We have never had any major claims with this company, and most years do not even meet our deductible, for which I am very thankful...our dogs are healthy. However, in the past the company paid our small expenses promptly and accurately. Over the last two years, service has deteriorated, claims have been lost in their system, and they routinely deny charges. Now, you can’t even talk to a company employee, calls go to a foreign service center and are answered by employees who can’t even pronounce the names of diseases or medical conditions, much less discuss why they were denied. I was told I would have to send in my vet’s notes. In the past the company communicated with the vet. I would not recommend this company to anyone. Customer service is nonexistent. Our premiums have doubled, don’t fall for their claims that they don’t routinely raise premiums.

I first purchased the policy for our Cocker Spaniel last Sept when he was 4 months old. With $250 deductible and 90% coverage, the premium was $41.74 per month. Now one year later the premium was raised to $51.76 per month. That is a 24% increase!!! To make matter worse, the same coverage for the same age and breed of dog would currently cost a NEW subscriber only $39.66 per month. When I questioned this, they just gave me double talk saying if I cancelled and re-enrolled I would have to worry about pre existing conditions... It is clear this company takes advantage of current clients. DO NOT DEAL WITH HEALTHY PAWS, by the time your pet may actually need it, the premiums will have become unaffordable.

This company for all their stated good intentions is a disorganized mess. Some examples:

We have had Healthy Paws insurance for several years covering our two Cavalier King Charles Spaniels. Our female died two years ago from a brain tumor and the insurance was very helpful during a tough time. However having to deal most recently with our remaining Cavs increasing health issues has become arduous and emotionally difficult. They are now denying claims that should and would have been covered. If you want to escalate the concern, you have to wait days for someone to call you back and even then it doesn’t get resolved. Their customer service calls now go to a call center in the Philippines, where the people are difficult to understand and not helpful.

A really nightmare!!! Let me save you time and money. Healthy Paws had taken my dog’s healthy history as excuse to not cover a new healthy event requiring surgery that potentially can led to cancer. So they took my dog’s history and sent me an email that there was a pre-condition so If you have an old dog DO NOT GET THIS INSURANCE.

The many positive reviews on Healthy Paws is one of the reasons I signed. It seemed very straightforward, however, my experience is far from the review I posted below, in fact my review is the complete opposite of this so called "breeze". As a healthcare provider I communicate with medical insurance companies daily and that's a breeze compared to this company. Healthy Paws required an exam on your insured within the last 12 months, well I had a thorough examination performed on my pup within days of signing with Healthy Paws (around end of April beginning of May)and no issues found. In September we found a growth on the upper inside lid of my pups eye and it was only detected because of his eye tearing so we brought him to the vet for exam. Turns out it needs removal and sent for labs due to being a Golden Retriever. Well 600+ later the growth was benign, thankfully and now I go to file my claim.

This is a place to avoid at all costs. After eight months of paying premiums, I submitted a claim for a vet visit. To make a long story short, it took TWO MONTHS for them to finally come back with a DECLINED... the reason being: "Too much time waiting for approval." Say what!? I replied looking for details. NO RESPONSE. I submitted another email a week later. No response. Finally I wrote and said, "please cancel." Three days later I got a response with a link to cancel my account. I didn't click it yet because I wanted to write one more time. THE NEXT DAY I got another email saying they canceled my account. So I wrote yet again. No response. Several weeks went by and I contacted them through the website home page. It took a WEEK to get a response. This time they blamed me for not submitting an initial vet examination, WHICH WAS NEVER REQUESTED WHEN I OPENED THE ACCOUNT OR FILED THE CLAIM. This place is a rip off.

I purchased pet insurance 12/9/2013 for I think it was around $33 a month, Healthy Paws Website says under Frequently Asked Questions # 6 (Will my premiums increase? Due to the increasing cost of new technology and advances in veterinary and specialty care, your rates will increase SLIGHTLY to align with the claim payouts of each state). I am currently paying $55.03 New Monthly Premium $74.84 starting (12/09/19), How is this a slight increase as advertised on their website? My pet had to have surgery earlier this year now they increase my premium just this year alone 35% in a year!!!! Overall increase of 125% in 6 years!!!!

I started with Healthy Paws in 2016 insuring a (4) year old, 45 lb mixed lab. I was told annual rates would increase a minor amount and only due to inflation. This was false. My dog's renewal for 2020 (turning age 7) is going from $44.79 per month to $60.91 per month, an increase of $193.44 annually. This is a 36 percent increase. Healthy Paws will increase your rates until it is unaffordable. Their advertising on rates is simply untrue. Much better option is to put $100 monthly in an account for your pet and self insure.

Be aware, when they tell you the deductible is a certain dollar amount, they mean that it's a Benefit dollar amount, not an actual out of pocket amount. For example, I have an 80% plan with a $500 deductible. I submitted a claim for $23. They processed the claim by calculating 80% of the amount ($18) and applied the $18 to the deductible. Not the $23 that I paid out of pocket. So, a $500 deductible is actually a $625 deductible. I've read over my insurance certificate multiple times and can't find the language of how this is determined anywhere. After 32 years in the insurance industry, I can't recall a single instance where this is how it's done. I'm not saying they aren't entitled to make a contract determination, but the language should be much cleared up front and the contract significantly clearer. Incredibly deceptive.

They approved my claim and promptly sent a check.

HP has been quite inconsistent in their customer service and reimbursement. I have 5 cats insured with them, sometimes they reimburse right away with no hassle, and other times I've had to call multiple times, using different phones numbers, (as one shunts you a FOREVER on hold limbo) to rarely speaking with a person. It's pretty disappointing. If I wasn't already established I'd probably go elsewhere.

I’ve had almost nothing but good experiences with Healthy Paws and I want to address some of the complaints in the one star reviews. Firstly, I signed up my puppy, Sammy, two weeks after we got him at four months old. My husband and I had been researching insurance companies and Healthy Paws came up time and time again as the best value for money in terms of cost and reimbursement. This was 2.5 years ago.

I requested to cancel my policy after my beloved dog Sasha passed away. I never received any confirmation that this was completed. I kept being charged for 3 additional months of coverage. Once I cancelled my credit card, they finally engaged with trying to 'keep me' as a customer. I have reached out no fewer than 5 times via their website and cannot get out of their automated system. It is painful enough to lose a pet. This company compounded my pain by continuing to send me reasons I needed to keep her coverage. They won't respond to refund the months covered after she died. I can't get them on the phone or get them to respond to my messages. PS - they never covered a penny of her care despite having a clean bill of health for 4+ years under their plan.

Healthy Paws is the best thing I have purchased for my dogs. I have 4 dogs, and yes, it is pretty costly per month. But without it, I would not be able to afford the best veterinary care for my oldest. I have a 7 year old German Shepherd who is already starting to display hip and back problems. Healthy Paws has been nothing but great with reimbursing me for her costly vet bills and extremely costly medications. I have had absolutely no problems with claims, and they don't even make you fill out a claim form. Simply upload your receipt to their phone app and claims are processed within 10 business days. I have had other insurances for my dogs, and while Healthy Paws' premiums increase every year, it is very minimal compared to other insurance brands. I cannot recommend Healthy Paws enough.

Don’t choose this company! They will steal your money and refuse to refund you! I just got a puppy and added him to the plan. He is a pure breed border collie, and SOMEHOW they managed to make it a “mixed breed” and charged me $7 more dollars than I was supposed to be charged. I have talked to every manager and they all refuse to refund me the money saying “if I underpaid they wouldn’t be coming to get the difference” B.S! If I didn’t pay the full amount they would be bothering me until they got money. But since I overpaid they say, "Too bad. It’s your fault you entered mixed breed." Why the heck would I enter MIXED BREED when I clearly have a BORDER COLLIE!? I just spent thousands of dollars trying to save my old dog so YES $7.83 does make a difference to a family. This is how they make their money, how many millions of people do they ** over like the did me!?

I have had lots of trouble even reaching anyone to speak with at this company so I decided to cancel my policy. Their phone system cut me off repeatedly, and then I've sent 3 messages through their website with no response. I may be forced to cancel my credit card... I don't know what else to do. I would give them zero stars if I could.

I have never had to deal with a customer service this bad. Spoke to 5 different customer service representatives, no one can figure out the problem with my account. And all of the promised call back which did not happen - it was probably the way they were trained since they were very consistent in not calling back. I ended up requesting to speak to a supervisor. I was told the supervisor will call me that same day, which obviously did not happen. I called again the following day to follow-up, the lady who I spoke to said it takes 24-48 hours for a supervisor to call back. And even though they knew I was upset she just did not care at all. She just wanted the call to be over and done with since she already said what she had to say. I am cancelling my plan with them and also reporting them to the Better Business Bureau.

Worst customer service experience I have ever had. They do not return calls or emails. It’s been a month and they still have not processed my claim. They won’t even give me an idea of when it might be processed. They flat out ignore their customers and do not care about your business. Highly recommend you find another insurance company to do business with!

My vet's office submitted several claims over and over and over and they are months old and still have not been processed. Everything you are reading on here from others is exactly what I have experienced. Save your money, start a pet savings account and save yourself the aggravation as well being ripped off by this company. Until I came to this website, I thought it was just me...not so. This company's practices need to be looked into. You can't get them on the phone, wait an hour, only to be transferred to someone else who tells you to resubmit. I would never recommend them and I'm sorry that I have several times. I'll fix that!

I have had Healthy Paws for the last year. 1 year ago I called them to see if I could take my dog to the ER because I was not sure of the trial period times. The representative said it was ok to take her to the ER. After I got the bill I submitted it to the claims department and they denied it because the trial period was not up yet. This week I took her again to the ER and after I submitted the claim they said they will only cover 50% of the bill minus $200 deductible. I ended up getting only $14. Honestly very disappointing. I wouldn't recommend this company.

When my premium was increased without my being informed or authorizing said increase, I reached out to get answers as to why. After multiple ignored emails and several attempts to get through to them on the phone I finally got through to them after 1.5 hours of holding. I have submitted a claim with them and my bank for the fraudulent charges to reimbursed and I will tell everyone I know to stay far far away from this company.

Policy limitations that limit your pet...right from the start! I adopted a 2 year-old-cat and took to the vet for a check-up. Found out that my little fella had complications from an upper respiratory infection. Unbeknownst to me, there was a trial period with Healthy Paws. Because this diagnosis occurred during the trial period, Healthy Paws denied all claims indicating that any related follow-up vet bills were uncoverable. Canceled my plan with Healthy Paws today (having spent $125 for coverage).

It is unacceptable that you can sign up for the service online but can only cancel by waiting on hold for over an hour! Look my pet just passed and the last thing I want to do is sit on hold for an extended period of time. Another thing they don’t tell you is the premium continues to increase by a large amount each year. Overall my experience has ensured that I will seek out another insurance company when we get our next pet.

I've been paying $85.33 a month to have both of my dogs covered for years in the event that one of them got sick. Well, this year one of them ended up in the hospital. The bill was $2677.91. I'm supposed to pay the $250 deductible and Healthy Paws is supposed to pay $2477.91 (80% of the cost). Instead, they denied the claim, stating they did not have the medical records when I know that the records have been sent to them numerous times. I have even sent them myself. They are a total scam. Do not give them a dime. They will not help your pet.

Two of our dogs had insurance through them but they cancelled our insurance and won’t let us back. They said we didn’t pay insurance for few months. It’s a lie and they don’t get us back in. I don’t know what to do with my old dog with cancer. New pet insurance won’t cover previous problems. Maybe Healthy Paws cancelled us since one of my dog has a cancer and using insurance to have surgeries. I don’t recommend Healthy Paws.

I am a member. HP did not cover a taurine blood level test initiated by my vet, even though I was informed by HP that they would. I cannot get anyone to answer the phone or call me back. Has anyone else had a problem getting hold of them?

Updated on 08/09/2019: I posted a review a few hours earlier today. As a follow up, I finally got to speak to someone who was able to answer my questions on how to hopefully get my claims paid. It was 1hr 33 minutes before my call was answered. And an additional 17 minutes before I was able to get off the phone. All totaled...1hr 50min 2 seconds. And I still have to resubmit my claims. During the call the woman told me she has a lot of "pet parents" complain due to long wait times and slow or frustrating claim processing and that the people I had spoken to before today were no longer working there so Monday I will resubmit all of my claims to hopefully be paid. Then I will be running as fast as I can to another company. Ridiculous.

I signed up for their pet coverage for my mixed breed dog, with no preexisting conditions, when she was under 1 year old. The premiums were raised considerably every year and she is only 4 years old now, and still healthy. The plan doesn't cover office visits, preventative care, etc. So unless your pet has a catastrophic injury or illness it is not worth it. Better to put the same amount for monthly premium into a savings account.

This company used to be great. Now, prices have increased tremendously, you wait weeks to get reimbursed and trying to get the reimbursement can be a hassle. The wait times on the phone are a minimum of 15 min, just to be pushed to the next person who is unhelpful and wait on hold for another 15. I run an animal rescue and I used to recommend this company regularly. I will NEVER recommend them again!

I submitted 2 claims half a year ago. Claims department found 2 clinics I've been with my dog and asked for other medical records in other clinics - so I've provided all of them except the first one that I did injections for my little puppy as it was my wife that did that and she didn't remember where was it. So they had told me if I didn't provide them they would not refund me! Finally I found them and provided to claims dept. - after some time my claims changed status to "Closed" and non-refundable because of the lack of medical records. I called them again and they told me that they have no medical records whatsoever on my dog.... And btw each call you have to wait from 10-20 min.

We insured our pug when he was 10 weeks old. I have been paying for his insurance every single month and haven't received one penny back yet. I am calling every day and not able to receive any answers. This is one of the worst company I have ever worked with. Not sure who to contact to get my money back.

I have been a policyholder for about 3 years for my 4 yr old Golden. I have never filed a claim (the deductible is high) and was just informed that my premium is going up 30% in the next 60 days. When I originally signed up, I was assured that premium increases would be modest. Last year, they incorrectly charged my credit card and had to issue me a refund. I'm very concerned that as my dog ages, the policy increases will be even worse. I'm better off putting $50/month in a savings account than handing it over to this company. Buyer Beware!

I am reading all of the negative reviews and have not experienced any of those issues. First of all....people, they are very clear about pre-existing conditions, the 15 day waiting period, the deductible, and what they DO NOT cover! Read your policy! Read all of the info on their website and then if you have questions, call for clarification. I signed up my girl at 8 weeks of age. I have had no problem getting them to pay. At one point, it was a bit slow when they needed to hire more people, but after that period it has been fine. I had Trupanion for one of my last dogs and the "Per incident" deductible sucks. With Healthy Paws, my deductible is $100/year with 90% reimburse rate. I love it! Again, I have had NO issues and would recommend this pet insurance to anyone! Thank you, Healthy Paws!

I had Healthy Paws for a short time, and I am glad I got out! I am with a new, highly rated pet insurer now. Do your homework before purchasing. Healthy Paws does not return your emails. Try calling them and their phones do not work or they are having “technical issues.” No one will get back to you. And I did not have a dog health issue, only a billing issue! Imagine if your pet is ill!!

Healthy Paws at best is a scam. I personally had a conversation with a management person before I purchased this policy. They claim the policy was changed and my claim was void. My pet had a repaired ACL repair in the left leg and they had said she would be covered if anything happened to the right one. I never saw an email regarding this, because there was none.They claim to pay in 10 days, I couldn't get anyone in the company to return a call or email in 4 weeks. Find a company that is reputable, this one is far and away not one!

In October 2018, my then-4 yo chihuahua terrier completely tore his ACL and because of his breed and knee structure, the surgery was complicated and costly. My family did not have $5,000+ to pay for the surgery, and the vet doesn't do payment plans. Luckily, Lucas (the dog) had been serviced by Healthy Paws for over a year and we felt comfortable with the claim process. Usually these insurances are reimbursement based, but because it was such a large amount, I talked to a HPPI representative and was able to get them to pay their part up front (90%!) and I ended up paying only $500 for my dog's pre-surgery consult, surgery, and post-surgery check! And, because of their unlimited lifetime claims (unlike other providers) I have no worries that I am going to run out of insurance money as he ages (since he's just a pup). Overall wonderful service. I am thinking of also adding my spouse's cat to our insurance policy too.

Expected good quality insurance for my kitty for $27 a month. I made the mistake of sending all reimbursement forms and medical records via snail mail. Got chided for that, because they only pick up their mail twice a week and then send it off to a scanner, etc. Tried calling, forget it, you’ll wait 45 minutes on hold. Horribly understaffed. So, here I am almost six weeks later, FINALLY getting my reimbursement, so they say in an email? Direct deposit to my checking, let’s see how long this takes. A very disappointing company to work with, WORSE CUSTOMER SERVICE.

I signed my rescue dog up for insurance with Healthy Paws. March 19, 2019. They took the payment plus extra unauthorized fees from by charge account. April 15, 2019 we completed their waiting period for pre-existing ailments. May 19, 2019 I submitted detailed bills my dog incurred after the waiting period. It's now been 21 days and they just requested her records since I owned her. Beware, be very aware of their non-payment practices.

Healthy Paws pet insurance is a pointless waste of time. They don't want to cover anything and pretend they never got your paperwork or that something is wrong on it. They don't ever answer emails. Their phone app is worthless because you cannot find out any information on it. Then when they actually do cover something, they find a reason to raise your rates. I had finally gotten them to cover a claim and they sent me an email saying that since my vet had a different date of birth for my dog than I did, they were going to raise my rates. I have a rescue dog that was an adult when I got her. No one will ever know her exact birth date. It was only off by a few months. I hate this company and dealing with them is almost more unpleasant than talking to my mother in law. And she hates my guts. I am considering canceling my policy and just saving my money every month. Then I can have money when I need it without being treated like crap.

Watch out for the fine print. I purchased this insurance and almost two weeks later my dog hurt her leg. Brought her to the vet and submitted the bill to Healthy Paws. They rejected the claim without telling me why. After several calls I was finally told that there was a 15 day waiting period before a claim could be filed. I had brought my dog to the vet 14 days after I purchased Healthy Paws. I told them had I known I could of waited one day as it was not an emergency. They told me it should of been clearly indicated on my welcome email. It was not. I promptly cancelled Healthy Paws and would not recommend it.

I purchased Healthy Paws based on a lot of Internet research and reviews. While there may be some people with good stories, mine was not. After 6 months of paying premiums I filed a small claim for the medication to treat a skin condition. I knew It was small and would go toward my deductible. But the claim process is too lengthy. After submitting all the paperwork and vet exams they wanted more documentation. I knew this was a terrible sign if the amount was just $50, what would happen when it was the major incident for lots of money. I canceled the insurance and will just start saving that amount monthly to cover unexpected vet bills.

I have been with Healthy Paws for about 4 years now. I pay $90 something a month for 4 of my 6 cats. The only time this insurance proved to be any worth is when one of my cats had a UTI and a blockage which required an emergency vet overnight stay. Other than that with the $100 deductible, we don't cover vet exam, don't cover a plethora of meds, and then 70% copay. I have submitted claims for $300 and gotten maybe $20 back.

Screw this company. Use a different insurance company! I have 2 dogs and I use Embrace and Healthy Paws to insure my 2 dogs. I got my youngest dog insured through Healthy Paws LITERALLY as soon as I got her as a puppy, so there were no pre-existing conditions. I have been extremely fortunate in that this particular dog is very healthy and needs very little medical attention beyond routine care. So imagine my delight when I had to file my first claim ever when my dog was about 2.5 years old. She was presenting possible neurological issues and I took her in for a neurological exam. We were, again, very fortunate in that it was not neurological, but she was, unfortunately, still sick. I went ahead and filed the claim (the bill was somewhere around $600 I believe, with 90% reimbursement and a $100 deductible). Oh joy, here's what happened:

I've never had to leave a review like this before. Healthy Paws is a complete scam and I've had to file a complaint with the Better Business Bureau because their customer service literally refuses to respond to me (I'm not even joking, it's the most insane thing I've ever experienced). So, after paying over $1,000 dollars in premiums they have repeatedly refused to cover any of my pet's medical conditions. When I first rescued my dog, he had Giardia, poor thing. Once we cured that, he started having some other - shall we say - tummy troubles. Healthy Paws refused to cover any vet bills because of his "pre-existing condition" (aka, the Giardia). But surprise! This time around, he didn't have Giardia. He had an allergy, which we didn't know about because until then, he had been on a special medical diet. So, two unrelated conditions. But Healthy Paws didn't care.

Healthy Paws claims policy premiums do not increase annually based on age so I insured my puppy. At 8 weeks old her premium was $.47.19 per month. At age 4 years (on her birthday month) her premium increased from $66.63 to $91.65 Per month. Because Healthy Paws Assured me that the price increase was not based on age I decided to get a price quote for a eight week old puppy and guess what, the price was $33.26 per month.

I have made one claim with Healthy Pet and they have under reimbursed me by about $100 due to innumeracy on their part. When I called to point out their error, the response wasn't, let's see what we can do to rectify this error, instead it was, "Tough luck buddy." I may or may not be able to get the $100 due if I pay back part of the bill unrelated to the claim, have the vet resubmit an amended bill, and then have the vet reimburse me separately for my new payback. This is a classic case of an insurance company using the wear them down strategy of nonpayment.

Updated on 07/18/2019: Hi everyone! Please look for me as Diana of Cheshire for the original post 04/04/2019 regarding my puppy getting parvo and Healthy Paws denied the claims despite the fact their website states "a new illness that first shows signs or symptoms after enrollment, including any applicable waiting periods" there he should be "eligible for coverage." There is a computer screenshot with the date 03/15/2019. I posted a screenshot with my original review to show that statement. I also retook the screenshot on my phone on 04/04/2019 to show you that the statement was still current.

After paying 8+ month plus monthly insurance fee, one day I take my cat to do an exam, before the exam I called healthy paws to make sure they cover the exam. But after the claim, they find many reasons to not cover the fee, I was amazed how insurance can be such shameless. DO NOT WASTE YOUR MONEY!

This company seemed like a good company at first. This is why I chose them but then I realized how bad of a decision it was with the rate increases. They start off small like the first year I had no claims so it went from like 50 something for 67 then the following year they charged me more because I moved. Mind you I moved within the same county and only 5 miles away. I didn't move to a different county or a different state. I moved 5 miles and nothing changed about his treatment with his vet and they raised me to 80 something. Now mind it that year my dog needed some treatment so I knew that is why they raised me but they said it's because the higher cost of animal treatment in my new area which is obvious bs.

Terrible, would give it negative stars if at all possible. Firstly they don’t tell you about the 15 day waiting period and that if anything arises in that period it will not be covered. We went in that time not knowing about the 15 day waiting period for a cherry eye, of course that claim was denied. Subsequently my poor dog had to have surgery 2 months later for that since it didn’t get better, which they also denied stating that it was present in that waiting period!! What the hell! So if any health issue at all arises during that time it will basically never ever get covered! And getting these people on the phone takes forever! No one answered the phone for a whole 30 min! And then to top it all, none of these facts are stated on their website, they keep telling me it’s on the policy, but not on the website?! How’s that even legally possible? Horrible company would avoid at all costs!

I can't say enough about Healthy Paws and how it has been a life saver for me and saved me so much money and stress in the end. I have read other reviews about how they have increased their rates every year and I have experienced the same except it was more like every 2-3 years. I have 2 dogs and at times when money was tight, I thought about canceling my policy since I kept my dogs healthy and take them in for their routine check-ups. Here I am 8 years later, and I am so glad I did not cancel.

After our first and only attempt to file a claim we could not get through to anyone on the phone. We had noticed a discrepancy in our vet’s notes where her tech had understandably written down the wrong date of the discovery of a lump. We wanted a chance to explain this issue & suggest they call the vet to clarify. After no answer and no way to leave a message, we mailed a letter explaining why the vet's date was wrong and the emergency vet's date was correct. They completely ignored the letter/never asked us more about it. Multiple requests via email to have someone call us also ignored. Beyond that, I was inundated with requests for more information when everything we had had already been sent twice. They would say they received the records and two days later I would get another email stating they do not have the records needed to process the claim.

Healthy Paw's customer service has been amazing each and every time. I love that they ask how my pet is doing before even discussing business and claims. They have actually made me feel like they care. I had a little bit of a problem initially but that's because I wasn't sending the information from the email that I had listed on file, so it wasn't linking it to my claim. Since that was rectified Healthy Paws has been quick at approving claims and just as prompt at paying the claim and directly depositing it into my account. In a world where I thought customer service had been forgotten- Healthy Paws surpassed my expectations and made me a fan!

I have been a customer of Healthy Paws for over 5 years now. I've had two of my pets covered with Healthy Paws within that time. I've never experienced huge increases in premiums with my first pet's insurance. She was covered for nearly 4 years, but that pet has since passed. Currently, I only have one pet covered since Jan 2016 with a premium of $39.72/month. After one year it increased slightly to $43.70/month, which is reasonable. However, the next year it jumped to $54.18/month, and they just raised it again to $67.81/month this year. These are substantial increases, which they justify as increased cost of vet care. They really put pet owners in a bind and forcing them to choose between what they can afford and their pet's life.

After 2 years with this company I am dropping them. The first year I had some minor issues and they paid out accordingly after my deductible. The second year I had not claims. The reason I am dropping them is that every year they keep increasing the monthly payments. 20% this year! That is ridiculous. I understand increasing rates and the first year was under 10% from what I remember. Better off saving the monthly payments in a savings account and let it grow on its own! I too got the same run around about in my area increased vet costs. That is baloney.

I have been a customer since 2016. I recently filed a claim. All I am receiving is the runaround. I keep getting same messages of need further documentation. I have sent them all they need. Calling them is a hassle as they make you wait 30 minutes and they tell you that their program had to update to process that they did get documentation. A few days later, I’m getting the same messages of need further documentation. How can a pet insurance be more difficult than a human insurance? FIND A BETTER INSURANCE.

When you needed it, HP is there. Always paid promptly and according to plan. Even the $5300 for bloat surgery was paid as usual. Hip dysplasia and arthritis are being covered. Some alternative treatments are allowed. Premium increase has been normal. I really have no complaints. I am now taking out in payments more than I am paying in premiums.

Healthy Paws has excellent customer service, honest service, and clear definitions to what is covered in their policy. I would highly recommend them to anyone looking for pet insurance. They have been honest and even sent me a check back due to a billing error I did not even catch. The turnaround time for their claim payments has been extremely quick.

I cannot say it loud enough, AVOID THIS COMPANY. They are dishonest and have zero integrity. We got a letter in early January that in 90 days they would nearly double our monthly rate due to the fact that our dog was a large breed, we’ve never made a single claim, never late on payments. Surprise, they raised our rate in the end of January! Without letting us know! When I tried to call them to talk about it, they offered no options to keep me as a customer, and I was put on hold for a total of 35 minutes. I’m sure they just wanted me to hang up. I wanted an explanation as to why they raised our rate before the 90 day period, and I just got an email saying, the “state that you live in makes certain requirements, we have to follow”... Total nonsense. AVOID THIS COMPANY. Thank God we never had to make a claim, I’m sure they would have treated us with the same grace they did here. Awful.

I've had Healthy Paws pet insurance for my dog for 3 years. He was 9 months old when I obtained the insurance. The premiums have increased as follows: Year 1: 15.03%, Year 2: 18.93%, Year 3: 24.28%. At this rate by the time my dog is 10 his monthly premiums would be $313.32! According to their website: "Due to the increasing cost of new technology and advances in veterinary and specialty care, your rates will increase slightly to align with the claim payouts of each state. These manageable annual increases provide you the opportunity to offer your pet the best medical and diagnostic options available today." I DO NOT consider a yearly increase of 24.28% to be slight or manageable.

I have since had other experiences with this company which show quality of care and support. Thank you.

The BEST decision I ever made was to insure my Havanese with Healthy Paws. I shopped for months before Jesse came to me. I don't even think Jesse was even born yet while I was shopping :), because I knew my next companion would have health insurance. Like yourself, I read reviews and I wanted to be sure I found the right Insurance company to insure Jesse's health through his years and it had to be the best. I feel everyone in Healthy Paws are awesome and I appreciate all they do to help me help Jesse!! They have been always there every time no matter. I have been a client since 2011 and OH! How time does fly!! Through the years starting with the help from customer services, they are always there when I needed a shoulder with there sincere comfort.

My dog has had multiple surgeries and hospitalization for several several severe conditions. Healthy Paws has paid out over $50,000 in claims without question or delay. My initial monthly premium in 2016 was about $30 and has only gone up to $34 per month even after paying all of the claims. The increase is nothing in comparison to what they have paid. My dog, who is only 4 years old would not be alive today if I did not have pet insurance as the total expense would be too much for my budget. Healthy Paws is not only the best pet insurance company but they are the best overall insurance company of any kind as they paid what they said they would and then they did not "jack-up" my premium. I cannot say enough good things about Healthy Paws!

I am a new pet mom and I enrolled to Healthy Paws insurance for my first cat. Their statement was unclear for me so I make sure I called to clarify before I making any decision. For applying, putting claim, and cancel services, I asked their customer services before I took action. I confirmed if I can try to see if the insurance cover what I need and withdraw services within 30 days. I was told yes once “there is no claim.” I applied. My claim was denied which I understand it was not success claim.

My ragdoll kitten ended up having cryptorchidism. I purchased the policy way before this ever became an issue however, due to the veterinarian putting down that his testicles had not descended (which is perfectly normal at 2 months old), Healthy Paws used that as an excuse to not pay for his surgery. They called it a "pre-existing condition"! When I attempted to fight this, Healthy Paws representatives made it come off as if I was being ridiculous and was only after the $. This type of surgery typically costs $1,000 + dollars and keep in mind under Healthy Paws' "policy", Cryptorchidism is categorized as a hereditary issue - which should be covered according to their ads.

I have been waiting SIXTEEN days since my paperwork was submitted for reimbursement. I MIGHT get it on 11/20. My dog and I are almost out of food and I only have gas for one trip somewhere. The Vet sent the paperwork, but not the invoice. HP sat on my claim for ONE week until I borrowed a phone and called them. They now offer DD but don't tell you that it takes 3-5 Business Days on their end. I could have gotten a check 3 days sooner. Doesn't seem long but when the food is being rationed and your little dog doesn't understand why she is hungry and hasn't left the house for a park in 9 days, it really hurts me DEEPLY. She is my child!!!

I applied for insurance for my (at the time) 3-month-old female Bullmastiff. In October I took her in for a spay and Prophylactic Gastropexy. I didn't think they would cover, but there wasn't anything on their site that said they would or wouldn't. They wouldn't cover it which was fine. I understood that. But they sent me a notice saying I registered my dog as a large mixed breed. When I called them and told them I registered her as a Bullmastiff, they said I did not. I asked them to see the copy of the registration and they refused. I filled out the form on their website and I never received a copy of anything in email or regular mail. I cancelled the insurance because for a full breed dog they wanted double the price I was first quoted.

Healthy Paws checked on my dog Gracie, she’s going through cancer treatment. It’s so hard to watch her go through this she doesn’t understand. They say her blood work looks good and hopefully I'll have lots more time with her. I can’t imagine my day without her. She waits by the door every morning to go to work with me. The other dogs run to the kitchen for food, but not her she just patiently sits by the door waiting to go with me. I have no idea why. I'm not usually popular with some people, I've never been a natural beauty, but to her, I'm her world.

I sent in receipts for my 4 Siamese cats. I called numerous times to see if they were processed. All I was given was the same story. "We only received receipts for two cats". I called again. They said, "We only received a receipt for one cat". Are you that unorganized. How is that possible when they were all neatly, professionally put together and sent to you. Now as of today November 8, 2018 your rep Shelly tells me, "Well if you cancel the policy we can't pay you." Well you have not paid me anyway. Have you.

We purchased Healthy Paws last year for our 8 week old miniature schnauzer. When we spoke with the agent we were advised that the average annual rate increase was 3%. Guess again! On our dog's one year birthday we received a notice that our rate would increase over 18%. When we called to inquire as to why such a high rate increase we were advised that our specific area (zip code) had a major jump in pet care costs, thus, the need to increase our premiums. The agent also denied that we would have been given a 3% increase quote. (Basically called us liars). Since the calls are recorded we recommended they pull the audio file). We had zero claims for the year and had purchased a $250 annual deductible with 80% coverage and no annual caps. We have canceled the policy and are very disappointed in the fact that Healthy Paws used a "teaser rate" to suck us in.

I have used Healthy Paws Pet Insurance for my 5 year old French Bulldog since she was a baby. I chose them after reading as much as I could online and comparing rates, reviews, and coverage. My dog needed a $4,000 leg operation at 6 months old (COVERED). She has always been plagued with gastro-digestive problems and they have never questioned any of the submitted invoices. They always pay 90% of operations, procedures, tests, and medicine. I only pay for office visits and vaccinations. I have paid them about $3900 in last 5 years for premiums. (She is currently $75 per month, which is not high for Frenchies!) They have given me back at least DOUBLE that amount - no questions asked!! I won't be stating they're "THE BEST", because no one should say that when they don't know for certain. But I will say for me, they are EXCELLENT and I hear it from many many doctors and dog owners.

Despite what they claim, they will jack up your prices every year. For two mixed breed dogs, I started at under $75 a month. This year they were increasing my rate from $119 (which is already too high) to $150 a month for the two dogs. They have doubled my premiums in just four years! I think they bank on people getting the coverage when their dogs are young and don't need much care. Since they jack up the prices every year, people will drop the coverage before their dogs get older and need more medical care. These guys are shady, steer clear.

I’ve had Healthy Paws insurance for my dog for 4 years now at the policy cost went up 100% since we got signed up. My dog doesn’t have any health conditions, doesn’t skip the annual exams and always up to date on her vaccinations. Please be aware that the vet fees and vaccinations are not covered by Healthy Paws insurance. At the time I signed up for this insurance I was assured that the cost will may go up by $2-3 annually. Well that was a lie. These people are greedy and they will keep on increasing your policy cost beyond any reason. I just received another notice of policy increase and will be canceling. I’m very disappointed!

I've had the policy 4 years for 3 dogs. Every year they increased the cost by 10-15% and this year it's 20% and I've only had a couple of claims over the years for only one of my dogs. And it was all small stuff. My dogs are 5, 5, and 4 years old so this is crazy. I'm probably just going to drop it altogether and save the money instead. Or get a cheaper supplementary insurance. It's just unfair and impractical considering all the annual increases and all the things they don't cover.

Hello... I don't typically write reviews but I really want to let everyone know that Healthy Paws has provided me with exceptional service! When my best pal Laila needed surgery, they not only made the claim process simple, but also sent benefit payments quickly. A+. Thank you Healthy Paws!

My pets' insurance policy came up for renewal. We have 2 dogs on the policy. Both premiums went up by 20% even though we didn't even meet the deductible to have any claims paid back to us through the last year. When I questioned them about this I was told that because other people had a lot of claims that caused my premiums to go up. I don't think that's fair if my dogs are healthy that I'm expected to endure higher premiums.

My dog tore his ACL. He needed TPLO surgery. They paid 80% of the vet bill (minus deductible). Then he tore his other ACL and needed surgery on that. They paid 80% of that too. The total cost for both surgeries was over $12,000 and they paid $9,000. Payments were timely. I paid with credit card and I had their reimbursement before I had to pay my credit card bill. There was never an issue. Great company, great policy and it was a lifesaver.

I’ve made various small claims ranging from $100-$500 for my 2 dogs since signing up with Healthy Paws about a year ago, and they have always paid out. Recently, we discovered one of my dogs had a defected soft palate so he had surgery to correct it at the same time as he was getting neutered. The bill including the neuter was $3,700, and Healthy Paws covered $3,500 of it. Very happy!

I switched from a prior pet insurance company and am very happy with everything so far. About 6 months after signing up, my dog developed a soft tissue sarcoma. I opted for extensive diagnostics and ultimately went through with a leg amputation. In 2 months, I racked up a bill of close to $10,000. Healthy Paws paid its 90%, minus my $500 deductible and about $400 in exam fees. The first claim took about 2 weeks to complete/pay and once my dog was in the system, payment took about 7 business days. Customer service was pleasant and I've done most of my business with them online. Very satisfied. Be advised that you should read the policy rules and exclusions before signing up and make sure you understand everything first.

I purchased Healthy Paws Insurance almost a year ago. I submitted a claim for severe pain in paw at the after hours Emergency Pet Clinic. The diagnosis was a scorpion sting. I submitted a claim to the insurance. Claim was denied due to waiting period. Claim was denied due to preexisting condition with the second request claim. A third request was denied for not covered by family vet and records. They just kept making excuses to pay out. I immediately canceled insurance on my dog. In the year I paid almost $600. Zero money was reimbursed to me. I was warned that pet insurance won’t pay out. It was true.

I am so angry right now. I changed my billing method last month and was assured it was all changed over and cancelled at the other end. Voila, double charged and I also received a $40 insufficient fund charge as I was in the process of closing the original account I used, which I had explained to the agent. I called and the girl I spoke to WOULD NOT agree that I was double charged, kept saying she didn't see it anywhere, yet she continued to quote my two separate bank account numbers. Finally she said she would pass it on to "Ops", I asked when and she said immediately and this is day four. The agent was very snippy and rude. I will probably cancel my insurance if this is not sorted out immediately. Bad customer service on two counts!

My dog got sick with vomiting and the runs and week after Bravecto. Then I looked at the web page. 7.1% of dogs get these symptoms. Prolonged these symptoms can lead to death from kidney failure. I then took my dog to the emergency pet hospital for fluids to protect her kidneys. So far a bill of about $650 was submitted to Healthy Paws Pet insurance but they are only giving me $50 credit toward the $250 deductible. They pay for almost nothing in an emergency which is why I pay them every month. Do not get this insurance - put some money aside every month instead.

I chose Healthy Paws because I thought it was the very best. It is not. I purchased to best coverage. I purchased policies for 4 dogs in 2014. Since then my rates have increased 62%. This year's increase alone is 25%. This insurance is terrible. They know they get you because now 4 years later my dogs would be at a higher rate if I chose a new insurance company. And any minor issues they've had in the last 4 years such as ear infections would now be considered pre-existing if I switched to a new company. Don't make the mistake I made. Do NOT choose Healthy Paws for your pet insurance. Very dissatisfied customer.

This company took forever to process my pet's claim even after they had all necessary records. It took 4 phone calls over a 2 week period to find out why the claim was just sitting without being processed. After all of this nothing was covered. I read the fine print and they seem to make up exclusions along the way to avoid having to pay anything. Complete lack of communication, and once you get someone on the phone they don't seem to have a clue as to what's going on. Stay away from them... Run fast!!

I cancelled this policy over a month ago using their app. I was billed again. I again contacted them by email and again they billed my account. If they are this incompetent in dealing with a simple administrative procedure just how good will they be when your pet's life is on the line. I have never seen such a disregard for customer care nor this level of administrative incompetence in my life.

I paid into this policy for 2 years without submitting any major claims. When I finally submit a claim for my dog's recent knee surgery, which cost $3000.00, they refuse to pay! They claim it is a preexisting condition, even though it did not arise until after I purchased the policy. The bottom line is that this company will look for any reason to avoid paying out on a policy, even after gladly taking a customer's money for years. Do not buy with them, they are a complete scam!

This company is quick to take your dollar, but slow to reimburse. They love to flag claims, after a four year member, to review in order to delay payment. I regret ever choosing Healthy Paws!! Once your pet has a condition, it’s IMPOSSIBLE to go to another provider, due to that condition being ruled pre-existing!

I have been going to a very well known Pet Grooming place for almost 4 years now. I recently needed to have my dog's hair trimmed within a matter of hours for a family gathering and my usual spot could not accommodate me. I found Healthy Paws and I am more than amazed with the level of professionalism and also the level of dedication they had to make my dog feel like one of their own. #newdogspot!