it has been 3 weeks since my claim was placed. I called him several times and the only answer I get is to continue waiting

I've been with Healthy Paws for 7 years! Since then I've only made 2 claims which borh were denied! I had to issue a dispute for them to reconsider which they only decide to approve one! My Premium jumped 335% starting at $36/month to $160/month!!! Similar to most of the responses here. It appears that HP goal is to increase your deductible to $1,000, putting you in that range so none of your claims will be approved. Unless your pet is on it's death bed!!! If you are considering this insurance for your Pet. Please take this review into consideration! I'm almost certain anyone posting a 5 star review are Bots! Please be warned! If you are considering HP to provide peace of mind for your pet. Please look elsewhere. At the end of the day your claims will be denied!!!

We haven't used it yet Not until October 16th

I have always had a positive interaction on the phone. When applying for my most recent pet I was told they would call back to get me enrolled so the waiting period would be done by the time I had our new dog. They did not follow through. Then today I found out where their policy says they do not cover exam fees this means ANY exam - not just wellness exams. So the fee you are charged for a specialist to evaluate? On you. ER visit fee? Yours. It isn’t included in the money for your deductible. And I didn’t find this out until two of my animals are in need of expensive care around the same time. So I can’t even switch insurances because now there will be preexisting conditions.

Brutal bad. Pretty much what you are reading reviews to try to avoid. Delays, denials, dumb answers...

Had a very difficult time getting my claims processed and paid. My vet sent them records - they say they did not get them - Had vet send them again - they confirm they got them - then a week later when I call back again they tell me they still need more records. They never told me any of this. Would not recommend. Also was not aware that they have co-pays or co-insurance which they charge you for on every line item of your vet bill.

Trupanion: The Most Dishonest Pet Insurance Company You Could Ever Choose Trupanion is an absolute nightmare of a company — a textbook example of how to exploit loyal, trusting customers under the guise of compassion. For years, I paid my premiums faithfully — through every increase, every renewal, every promise that I was “doing the right thing” for my pet. I believed their slick marketing about being transparent, fair, and different from other insurers. But when it came time to actually file a claim, Trupanion showed their true colors: greedy, deceptive, and completely unethical. They cherry-picked one misleading sentence from a single vet’s note, ignored the rest of the medical record, ignored every other professional opinion, and then denied my claim outright. No call for clarification. No effort to verify facts. No compassion. Just cold corporate indifference. Then they pulled their favorite trick — labeling it as a “pre-existing condition.” Here’s the problem: my pet met none of the requirements for that label under Trupanion’s own policy definitions. They simply used it as a catch-all excuse to deny payment, because it’s cheaper to accuse you of violating a term than to actually pay what they owe. Trupanion’s entire model is built on profiting from loyalty and ignorance. They’ll happily take your money for years, but the moment you file a claim, they’ll weaponize fine print and distort your pet’s medical history to justify a denial. To anyone considering Trupanion: don’t just take my word for it — go read their Better Business Bureau (BBB) complaints. You’ll see page after page of customers describing the exact same nightmare: years of premiums paid, legitimate claims denied, and “pre-existing condition” excuses that don’t match their own policies. It’s not just me — it’s a pattern. Trupanion isn’t “coverage.” It’s a corporate con disguised as pet insurance. They don’t protect pets — they protect profits. If you care about your animal and your sanity, run — don’t walk — away from Trupanion. Their coverage isn’t worth the paper it’s printed on, and their compassion ends the moment your pet needs them most.

After doing my research, I signed up with Pets Best and felt I had found a top pet insurance company, one I could really trust to help me take care of my dog -- and all went well for a while. BUT, when I adopted two more dogs, I had difficulty getting their website to recognize that I now have THREE dogs and qualify for a multi-pet discount. As a result, INSTEAD OF GETTING THEIR MULTI-PET DISCOUNT, somehow MY ORIGINAL DOG GOT A NEW POLICY TOO -- AND NOW HER ALLERGY PROBLEM IS CALLED "PRE-EXISTING" AND IS NO LONGER COVERED!!!!!!! Even contacting Pets Best "customer care" and explaining the situation did no good. WOW, talk about being disappointed!!!! Bottom line, since no one will now cover her allergies, I'm switching companies just on principle and share this with the broader pet community as a word of caution!

Would not recommend….okay good thing I can say is the claims they do pay they pay quickly. Their rates increase significantly EVERY year, their website/system is always down or updating but nothing ever improves. Their website is terrible. My dog went fore a wellness visit, was given medicine for an issue but because of this they didn’t pay out her wellness coverage. So what am I paying for???

Failed to payout simple inexpensive claims.