Every time I submit something, they tell me that it’s not covered. I’ve been spending money on this insurance for so many years, and it’s just been $$ down the drain while I pay full price at the vet.

Had a whole week of back and forth w no appt availibliies, some video issues and then on the 3rd attempt the Vet didn’t show up for the meeting.

The vets may be nice and care, however the website is GARBAGE. Multiple times now the buttons on the website literally don't work when I go to book a vet appointment. As in you click them, and they go nowhere. I have tried 5 different devices. I have cleared my cache and cookies and restarted all of the devices. It's laughable how unhelpful the customer support team is. I'm not dumb, I'm generally nice when speaking on the phone, I'm not technologically illiterate, I've worked in Customer Support in the past, and my experiences when something goes wrong at Dutch have been some of the worst I've ever experienced. I don't know where else to post a review for them or how to get ahold of them.

My claims process has been so difficult because I ordered multiple products some that are covered and some that are not. I explained which items the claim was for but the processors cannot seem to understand that and continue to deny the claim for the items I’m not trying to file a claim for. I have emailed, added a note to the claim and called customer service and no one can help.

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.

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.

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.

I have to constantly resend invoices and additional info for a dog that they have insured for over 6 years and who has documented renal disease. Also raised my rate from $50+ a month to over $80 a month with no upgrade in services

Turnaround time on claims and mobile app

So set up a zoom appointment and they sent emails stating if I cancel the day of the appointment I will get charged $25. So the day of the appointment my wife and I were waiting for the zoom call. No call but got an email stating they had to cancel our appointment. I wrote them and asked since you canceled the day of the appointment do I get a $25 credit to my account. They said no it only applies to the customer. Poor business practice. Bottom line is they don't care about your time clearly. They can cancel anytime they want with no consequences but the moment I do 25$ charge. No accountability at all. Very disappointed