I insured my dog when he was only a few months old in 2012 at a monthly premium of $30.21. With annual increases as much as 36.25% my new monthly premium for 2025 is now $480.76. I had to let the policy expire. I’m retired, living on Social Security, and that’s more than two and a half times my monthly Medicare Premium. On top of that, regarding on my last two claims, they denied medications consistently covered in the past. They’re making up the rules as they go.

They wanted me to write a review when the policy hasn't been issued and is waiting. I have given them a 3 star review because it was simple to determine which pet insurance policy is correct for me and the price is right. The program is super easy to use. I'll know more once I actually get the policy paperwork and have a chance to use it!

I was paying $178.47 a month for my 11 year old Aussie. This month, the "new" monthly amount is $476.95. That is a MONTHLY increase amount of $298.48. That is CRIMINAL. I confirmed when I signed up that they only go up a pro-rated amount, which depends on what their overall costs have been for the year, and adjust accordingly. This company is sickening.

Your communication is wonky. You communicated to me about the wrong reimbursement and keep saying it's being reviewed when I;ve submitted multiple variations of the paperwork requested. Additionally, this reimbursement has been approved previously so why the issue now?

I wish I could give 0 stars. I’ve been a loyal Healthy Paws customer for 13 and a half years—since the day I brought my puppy Bellah home. Over the years, I’ve paid thousands of dollars into this policy with the trust and belief that when the time came—especially in her final stages of life—Healthy Paws would be there for us. Instead, with no prior notice, Bellah’s monthly premium has been raised from $250 to nearly $800. At nearly 14 years old, with limited time left, my dog is being priced out of her coverage when she needs it most. I’ve called. I’ve waited. I’ve been hung up on. I’ve sat on hold for hours, only to speak to customer service reps who are either powerless or unwilling to help. Not a single person has shown any compassion or even attempted to work with me. I wasn’t expecting a miracle—but I did expect humanity. Bellah is not just a pet—she is family. And now, in what should be her most peaceful time, she is being made into a financial burden. After over a decade of loyalty, this is the treatment we’ve received: silence, indifference, and a quadrupled premium. Healthy Paws, this is not how we honor the animals who have given us their unconditional love. This is not dignity. This is not care. This is not right.

I did research and thought this would be a good company to go with for my first-ever insured pet. Afterwards, I keep hearing about how difficult Fetch is to work with regarding claims etc. So I am holding off on giving a great review until I've actually used the process. Signing up was easy enough, let's hope the rest goes as smoothly!

Customer service is efficient and very nice. However, they do not cover pre-existing conditions like allergy dermatitis. For this reason, I’ll be switching to a company that does and there are a few others that do.

This is the Worst insurance there is. I don't recommend it to anyone. My pet was sick. I was paying almost $70 a month for six months, and in the end, they didn't want to cover any of the vet bills, even before my pet died. If you want your money stolen and it's not worth it, you can sign up here; that's all they're good for.

After initially thinking I might have finally found a decent pet insurance provider in Spot, I’ve had my confidence in them shattered by one denied claim. My dog’s at‑home cancer screening flagged a moderate risk, so my vet ordered an abdominal ultrasound. Spot refused to classify the ultrasound as a covered diagnostic, even though their illness plan explicitly covers exams, diagnostics and lab tests. Their reasoning? Because the screening test itself is still in the proof‑of‑concept stage, all follow‑up care is “preventive” and excluded. That logic ignores both common sense and Florida law on interpreting insurance contracts. I made it clear I wasn’t asking for reimbursement - just that the ultrasound be applied toward my deductible - but they dug in anyway. Multiple appeals, BBB complaints, and even a letter to the underwriter have produced copy‑and‑paste responses. I’m keeping the policy only because my dog is a senior and switching providers would expose him to new waiting periods. But I’ve withdrawn my recommendation to colleagues and will be sharing this experience with the benefits broker who suggested Spot. If you’re looking for a pet insurer that stands behind medically necessary diagnostics, you might want to look elsewhere.

Cost four times increase in two years - for coverage that we have not used. The customer service has been professional.