I’m still waiting to receive approval…

Denied my claim. Hard to cancel. The calls are not going through. Avoid and go to a reputable company. This is an offshore scam company probably.

The app is not really accessible for visually impaired users and you try to submit a claim using a screen reader the screen just stops working 

We insured our dog with Healthy Paws the day we brought him home in 2015. We’ve stayed loyal for ten years, paying every single month, because we wanted peace of mind if he ever got sick. When we enrolled, our premium was $33/month. It’s been raised year after year — and we accepted that, because pets get older. But today, after a decade of loyalty and barely $1,000 reimbursed total, our premium is being raised to $352/month. That’s more than 10x what we started at. 1000% increase. Here’s the part that feels truly cruel: this notice arrived immediately after we submitted a claim for testing on a newly diagnosed heart condition. For years, while our dog was healthy, we paid faithfully with almost no return. The moment he needs care? The policy becomes unaffordable. This is not insurance — it’s a bait-and-switch. They happily take your money while your pet is young, and once your dog ages or develops an issue, they jack up your rate so high that you’re forced to drop coverage. It’s predatory and it preys on families who love their animals. We’ve been loyal customers for 10 years. To be treated this way, at the exact moment our dog actually needs help, is shameful. If you’re considering this company, please think twice. Don’t make the mistake we did.

Everything is rejected and what you get reimbursed is not worth it.

I have been a HealthyPaws customer since 2014. I currently have 3 dogs on my plan. When I signed up the policy stated that premium increases were ONLY applied in line with rising costs due to vet care in my particular area. There were supposedly NO increases in premium based on claims made or pet age. My vet has increased their prices across the board roughly 40% over the course of the last 11 years, and yet my premiums have gone up 1,000%. They still claim the increases are due to costs of vet care increasing in my area, which anyone with a basic education can see is a blatant lie. The thing is that they know that pet insurance companies are allowed to deny claims for pre-existing conditions, so when your dog is old and has a condition or two, they jack up your rates because if you leave, you won’t get covered anywhere else. This is absolutely disgusting and absolutely fraudulent. The promise to only increase cost based on vet premiums rising in my area was ON MY CONTRACT when I first signed up. They disable the ability to comment on their social media posts because the posts are 90% people like me who have been seriously wronged by them. Don’t get sucked in. It will be fine for a few years. They are pretty good with handling claims quickly so it’s easy to think this company is great at first. It’s as if they wait until they know your dog has conditions and then they start piling on the increases with no verifiable proof that vet costs have increased. Just run. I hope they get a big fat class action suit and are found guilty of fraud.

I have no problem with the customer service department; they were polite, supportive, and professional... it's the company, itself, that gives me cause for pause. I have been a customer for nine years. This year, when my policy was up for renewal, I saw a 71% rate increase. My pets are healthy and have not had massive claims submitted during that nine year span. The service rep told me the price increase was because of the dogs' ages... that's total price-gouging, imho... I am so fed up... the cost to renew a policy for two dogs was almost $4k per year... WAY more than I spend on vet bills... totally out of control!

Why do you guys use the same excuse to all your customers not to process claims . I’ve gave you all the records, receipts, photos and still you say you havent received them. My hospital tells me you guys find excuses not to pay claims. This needs to be reported. Im going on almost two months fighting with SPOT insurance.

I’ve been a faithful costumer for 3-4 years now and I find it ridiculous I only have a 2500 annual limit for reimbursement. My dog has a 8 thousand dollar surgery and I only get 1200 for it is insane. And I cannot adjust it higher. I’m canceling once my contract is finished. You guys don’t care about pets only want money.

I have a policy with MetLife already I wanted to add a second dog and was given the most ridiculous price quote i ever heard. My Lexus car payment was less than the quote.