Constantly increasing monthly premium and then offers no coverage. They will pay out basically nothing and find many work arounds as to why your service was not covered.

Takes a long time to get paid back.

To make a long story short, it took over a month to process and then it was closed. No one bothered to tell me they needed dental records - I have no idea if they even requested them. Plus what dental records could a dog have? He had to have teeth extracted - that should be a simple enough explanation!

Every time we need trupanion they tell us things are pre-existing. We plan to save our money and just pay for services since that’s what happens when we need them. We have paid them for several years and we would have been better off putting our money into savings.

For what I paid out, didn’t get much back.

Conditions like bacterial infection of cats can happen over time. Figo straight up denied claims for simple things as pre-existing conditions. Not worth keeping the insurance. The good thing was that cancellation was easy.

So very disappointed with processing claims , the amount of reimbursement and overall lack of being clear . The customer service was great but never could do anything to help. This is not the Pet insurance company they have an underwriter that doesn’t want to pay out claims. When I called to cancel within the first month and mentioned I was so happy I didn’t cancel my other pet insurance I was asked which one and when I said the name she sounded surprised! She actually said “are you serious?” The other company has paid out on all claims and I’ve never had a problem but I wanted an insurance company that would cover Dental well they don’t if there is anything in the pets file stating they had anything tooth problems prior there is a 180 day waiting period.

I wanted to share my experience to help others make an informed decision. After 14 years with Healthy Paws, I was forced to cancel my policy due to an astronomical premium increase. Over just four years, my monthly premium jumped 572%. I was already paying $431/month—but then they asked for $776 more per month, bringing my total to $1,207/month. Like many newer customers, I started at a very affordable $34/month and had few issues or increases—until my pet turned 10. After that, things changed dramatically. Age suddenly became the biggest factor in pricing, despite what I had been told when I signed up. The stress, fear, and financial uncertainty this created have taken a serious toll. I now face the reality of having an older pet with pre-existing conditions—hard to be insurable elsewhere—because I trusted the messaging that age wouldn’t be a factor that impacts premiums (simply Google this and see how they publicly stated this, such as an article from Consumer's Checkbook). I believed Healthy Paws would provide lifetime support, but the policy model now feels unsustainable and, frankly, unfair to long-term customers. From my research and reading others’ experiences (especially on Reddit), it seems these extreme increases began around 2020–2021, around the time Westchester Fire and Chubb took over operations. This was once a company I proudly recommended. Now, I feel a responsibility to warn others—especially those with aging pets—about what may lie ahead. If you're reading reviews here, take note of how many 5-star ratings are marked as “Invited.” From my experience, these are often from customers who were prompted to leave feedback after a recent claim or support interaction. That doesn’t make them dishonest—but it does suggest they may not reflect the full, long-term experience. Please look beyond the star rating and read reviews from people who’ve had policies for many years. Healthy Paws may still work well for new customers, but it’s crucial to understand how things may change as your pet ages.

Prices were reasonable as puppies. Now that doggies are 7 years old, the rates keep increasing substantially. This year was $25 per policy for each doggie. Plus, they advised today to implement a 2.99% credit card fee unless I move to ACH. They are part of CHUBB Insurance Company. This is the straw that broke the camel’s back. I’ll just save my premiums and hope for the best with my doggies. Pretty soon the cost will be more that my Medicare Supplement Insurance.

Faster reimbursement!