They denied my claim and totally fucked us over. What’s the point of having insurance if they don’t uphold their end of the bargain? AVOID AT ALL COSTS! DO NOT WASTE YOUR MONEY WITH THESE THIEVES!

We started our policy when we got a new puppy, who ran into a handful of medical issues. Our vets/pet hospitals insist they've provided all required medical records, and ASPCA insists they never received them. All claims denied.

Healthy paws has just increased my monthly premium from $250 to over $600 per month. This is outrageous and they appear to be blaming it on our state (California, the usual whipping boy for everyone). I have been a customer for many years with barely any claims. One of my dogs is older now and for almost the first time, I have made sizable claims so I’m pretty sure this is the real reason. But…..this is precisely why you pay into insurance from when they were puppies(in our case 8 weeks old) ….. so that all the years you pay premiums and claim nothing are at least partially offset by the claims you have to make when they age. I don’t know why they couldn’t make up the shortfall (if this story about what our state requires is true) on the back of new customers instead of shafting existing customers. Now I have to look for a new insurer for a dog with preexisting conditions. Shameful!

It's not really clear how to submit a prescription for Heartgard. It's a preventive, medicine that requires a Vet to write the prescription, but yet, there's not a diagnosis available to accompany the claim. You get all these warnings that your submission will be delayed without a diagnosis.

Healthy Paws used to be a great company, but greed has completely taken over. I’ve insured my two dogs with them for nearly a decade, since they were puppies. At first, the price increases were small—$35 per pet per month, then $45, then $65, then $90. Every year, the cost crept up, but I stayed loyal, thinking it was just inflation. Then, after they were acquired by a larger company, they went full-on exploitative. My monthly premium was already an outrageous $243 for both dogs. But now? They expect me to pay $530 per month—more than double! No changes to coverage, no justification beyond their corporate greed. It’s clear they’re preying on loyal customers with older pets, knowing we have fewer options because of pre-existing conditions. It’s disgusting and unethical. They’re banking on pet owners feeling trapped. Well, I refuse to reward this behavior. I’ll find another insurer—even if it costs more—just to ensure my money doesn’t go to a company that puts profits over pets. Do yourself a favor: stay far away from Healthy Paws. They don’t care about your pet—only your wallet.

Requesting coverage for newly adopted puppy with no medical history. Still waiting for determination.

I have placed two claims and inputted all documentation. Both claims get denied. The dog was a rescue and is only a year old so we do not have extensive history. I inputted every document we have including all doctors notes but still no luck. Why do I have insurance if you cannot use it? Policy is WAG0575000-01. Claim numbers 005437452 and 005458142. The first states heartworm which the claim has nothing to do with. These claims are only for xrays taken. So disappointing.

We have heard good things about nationwide pet insurance. The repersentative we dealt with was impatient with our questions. we recieved our policy n the mail today, Mar 31, 2025 and, our pets name is mispelled even though I Spelled it several time to the rep and she even repeated the spelling back to me

We are new haven't used it yet, however the service people are Great in Explaining the Ins. Details. Especially Megan.

Preexisting condition loophole: I have had Trupanion insurance on my pets for over 10 years. I have two policies with 4 pets. DO NOT BRING YOUR PET TO A VET WITHIN THE 30 DAY PREEXISTING WINDOW. Nine years ago I adopted a 3 year old Shih Tzu mix. The vet mentioned some tartar on her teeth, which more than likely have been cleared up by subsequent dental cleanings. Now nine years later they will pay for nothing dental. I now hate Trupanion. I could see if the condition reappeared within five years or so, but nine years later is a rip-off. I recently called Trupanion and asked which teeth had the tartar, but they couldn't tell me. If they could I was going to say than exclude those teeth only. In their defense there are many claims I would give them five stars on. They have paid out many claims over the years for my pets. Remember that Trupanion is a business and in order to stay in business and be able to pay claims they have to make money. Therefore, they will look for a legal way to deny your claim; this does not make it morally correct. Make no mistake they do not care about you or your pet. It is a business and it is about money. If they satisfy ninety percent of the people they stay in business, the rest is collateral damage. With all that being said they are probably one of the better pet insurance companies in the industry. There are many pet insurance companies on the market, because of this claim I will look at other companies if I get another pet. I am sorry for this bad review but I feel very cheated. Please don't tell me that you are sorry for the outcome I will find it insulting.