I provided all of my dog’s information for her new policy, including the reason why she was denied and was told to proceed with the policy only to be officially denied. That was a waste of my time when I could’ve been told on the phone that she was going to be denied. I have been a customer for over 6 years so this was poor customer service.

Items were not covered that should have been from the conversation I had when I signed Sophie up for the insurance.

I think HealthyPaws has one of the best and most painless reimbursement experiences, but I can't justify the steep premium increases anymore - this year they are increasing my monthly premium by 229% from $94.26 to $215.41 for my one dog and it is unfortunately the last straw for me so I have sadly cancelled my policy today. I'm not sure if it's because they were recently acquired by Chubb, but when I spoke to a customer rep, they said that due to a combination of factors (more clients are filing claims, certain state laws are requiring pet insurance companies to be more transparent/ethical with their practices so they can't be sneaky with certain fees, vet costs rising in a few cities, etc.) Healthy Paws is doubling/tripling premiums for many folks this year. Also don't bother trying to negotiate for a lower premium, I've tried many times with no success. All they do is list all the reasons for the increase and that's about it. This is really heartbreaking for me because now as I look for new pet insurance, any kind of medical issue (as small as a tummy ache, chest cough, etc.) that my dog has experienced in his lifetime can be written off as a preexisting condition that the insurance company no longer has to cover. Because of this, I want to really caution folks to do their research and think twice before committing to HealthyPaws unless you have that cash to burn. Even if your estimate is reasonable now, you can see folks on Reddit/in online forums sharing screenshots of their monthly premiums going from $39 to $421 over the years for just one dog. Just to provide some numbers, I have been with HealthyPaws since 2017, with a starting premium of $49.17/month for my one dog. Every year since then, they increased this premium by 10-20%, so every year I would select a smaller reimbursement % (and higher deductible) to help balance things out. Right now I am at $94.26/month at their lowest reimbursement and highest deducible option, but I just received an email that they will be increasing my premium by 229% to $215.41/month. At this rate, the smarter move will be for me to simply set aside $90/month into an emergency fund and letting it slowly grow. I am sad about this because HealthyPaws has always been very quick and efficient about reimbursements, but I cannot recommend this company in good conscience (unless you are incredibly wealthy and can afford your monthly premium spiking over $500/month in your dog's later years).

Turnaround time on claims and mobile app

I signed up when my dog was a puppy 13 years ago. Premiums have increased steadily even though she has been relatively healthy. Now that she turned 13, they are effectively forcing me off coverage by increasing the premium to $4,000 for a $1K deductible and $10K limit. If I reduce the limit to $2K, my premium would only drop to $2K. With a $1K deductible, that means I'd have to pay $2K to get $2K * 90% coverage only if I encounter $3K in costs. I've already opted out of rX and exam fees. I started coverage as a puppy to be able to have coverage throughout her life. To have paid them sizeable premiums for 12 years and to be forced out now that she is old is REALLY upsetting. Their claims process is smooth and easy and I have recommended them to many over the years, but right now I feel like they are just like every other cold-hearted insurance company.

ENDLESS requests for revised paperwork since they stall on reviewing your claim and then say they need ‘new’ doctors notes. All this for an allergy shot reimbursement. God forbid I have an actual large bill to review. They will stall for months and most likely deny. I am going back to Lemonade, this is a joke.

We have been faithful to submit every claim on time, but ONE time, the website was not working and it wouldn’t allow us to submit. By the time we were able to, it was “outside the window” of allowance and our claim was denied. Incredibly frustrating. No flexibility. We will be dropping our pet insurance.

Pets Best is a good pet insurance. I am happy for the most part. My only complaint would be it takes too long to get reimbursed from them. They need to speed up their procedures.

Claim submission system is terrible. Constantly locking up in last phase of processing claim and have to start all over again. Issue has been going on for months.

"competitively" priced (others were more expensive)