It’s all just bluff u have you pay more for premium and they all your vet bills go to ur deductible there are so many better options then fetch try other insurance companies

We have been paying for insurance with Healthy Paws for 10 years. Our premium has gone up substantially and we have rarely used the policy. We recently had a claim where our dog had an illness and the vet gave us his notes documenting the issue. Healthy paws dismissed it as a well visit and refused to pay. We appealed the claim and have not heard back. They keep saying it is being looked at with no resolution. It seems more like a scam and not worth having the insurance with them. We have used other companies in the past that were much more reputable and responsive.

They overcharge for premums once your dog turns a certain age, forcing you to cancel and then leave you with nothing for your pet. Disgraceful!

Great costumer service, super fast claim handling. Very happy with this pet insurance

Update: they did give me a refund and canceled my membership before no show fees for the nighttime appointment were added. I will update if I never see that refund. If I could have gotten ahold of someone immediately besides the vet saying they’d see us at 11:20 at night or I’d get a no show I probably would rate higher. You should be able to talk to someone immediately with an issue like scheduling! 11:20pm Vet appointments are not normal!!! This is a very easy miss for anyone! Thankfully we kept our local one just incase.

Customer experience

Filed a claim on June 26, 2025 for vet visit on June 25th. After multiple notes to the vet and myself sending detailed notes still no answer from claims. I called last week and was promised swift process and still nothing. I pay big $$ for an 8 year old cat and the vet visit was under $300.00. I will give them until Friday, 5 weeks post filing claim and if no decision I will file a BBB and Elderly fraud alert. Our vet recommended Embrace so I will let them know the outcome.

At first I sent in a bill I paid and they denied it because it wasn’t itemized… so I asked the vet for a bill that was itemized and when i received it , I sent in the itemized bill and nationwide is still denying the claim with no explanation.

I haven’t gotten any information about my pet since I’ve submitted the paperwork.

We have been with MetLife for four years now and this year both of my premiums jumped ~$20 for each of my girls. The customer service rep couldn't give me a good answer as to why. I ended up canceling our younger girl's policy and going with another company. I had to keep our other policy because unfortunately we are going through chemo at the moment. With chemo, we are asked to do a follow up CBC on week after each treatment, and after every single CBC, the claim is denied and I'm back on the phone with a rep trying to get them to reprocess the claim when it's clearly stated in the chemo POST note to follow up in a week with a CBC. This current go around, I've been hanging in limbo with MetLife over a claim for two weeks now and no one can seem to resolve the issue. At this point, my policy has renewed and I'm afraid the claim will go towards my current policy.