Takes forever to get a claim processed. Even having met the deductible, you still find a way to pay less than you should. Rates are much too high for what we get in return when there is a claim.

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.

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.

They could uphold the terms of their insurance contract and stop wrongfully denying claims.

I’ve paid my monthly payment for years to only to receive a couple hundred and reimbursements. That’s on top of the thousand’sI have paid the Vet. My most recent claim was for oral surgery, which was over $2K. Not a penny was reimbursed because I did not have my pet enrolled before she was six months of age (she was 1 when I got the policy and now she’s 3), so that particular issue can’t be covered. Really? I should’ve known that my dog was gonna need oral surgery at 3 yrs old when she was 3 months old. Just shady so two thumbs down.

I was supposed to receive an additional direct deposit as my full reimbursement was not given to me. I spent time on hold, spoke to a woman who agreed I should have that deposit, but it never showed up.

The underwriters wrote false information about my dogs that they had periodontal disease and one of them was aggressive. They said anything to do with aggressive behavior they would not cover. I called my vet and they verified my dogs, did not have periodontal disease, and they were not labeled as aggressive. The underwriter reasoning for labeling my dog as aggressive was one of my dogs did not want the thermometer in his behind which is normal behavior. I was so outraged by this I did not even want to file a dispute. I immediately cancelled this insurance and demanded a refund. I used nationwide for years with previous pets but never again! Liars!

Its been 7 months, and my claim still hasn't been paid.

I'm writing this review to share my disappointing experience with Healthy Paws Pet Insurance, which ultimately led me to cancel my policy. When my dog developed otitis externa (ear infection), I submitted claims for his treatment, expecting coverage as a loyal policyholder. Instead, Healthy Paws denied the claims, citing "pre-existing conditions" based on a swimming incident that occurred approximately seven years ago. What made this denial particularly frustrating was that I obtained a detailed letter from our vet. He clearly stated his professional medical opinion that the current ear infection was "a new, unrelated medical issue, and not a recurrence or continuation of any problem stemming from years prior." Despite having a licensed veterinarian's expert assessment contradicting their denial, Healthy Paws refused to reconsider the claim. While I understand that insurance companies need to protect against fraudulent claims, completely disregarding a veterinarian's professional medical opinion feels unreasonable. The company seemed more focused on finding reasons to deny coverage than on working with medical professionals to understand the actual medical facts. The appeals process felt dismissive. Even when presented with clear medical evidence from a qualified professional, they simply restated their policy terms rather than engaging with the medical evidence provided. After this experience, I lost confidence in Healthy Paws' willingness to provide coverage when actually needed. I cancelled my policy and switched to a different provider that I hope will be more reasonable when evaluating legitimate claims. Pet insurance should provide peace of mind, but my experience with Healthy Paws created additional stress during an already difficult time when my pet was unwell. When a veterinarian provides a clear medical opinion that contradicts an insurance denial, the company should give that professional assessment serious consideration rather than automatically defaulting to denial. I cannot recommend Healthy Paws based on this experience. There are other pet insurance companies that may be more willing to work with customers and respect veterinary expertise when evaluating claims. EDIT: I got off the phone with a CLM one minute ago, today, 11JUN2025, and was told that they have no need for information from TrustPilot after I said I was on a trip and the link to respond via the "Find a reviewer" had expired. They looked up my name and matched it to the account, and he said there was nothing to do; so I left it at that. Like I said, these folks don't care.

I can't rate you yet because I don't know if I've been approved.