We have had Healthy Paws for our pets since 2010. They USED TO BE good and processed claims as advertised. Over the years they removed more and more types of services covered. Now it is HORRIBLE to get claims processed. When you call it is awful and impossible to get a straight answer. They always assure you that something will happen right away and then it doesn’t. I am now waiting FIVE MONTHS for claims to be processed. And they stack one on top of the other! They have “claims” and “tickets” and “cases” and they “send direct messages” to each other and repeated emails to me and the vet, yet nothing EVER gets resolved. We are paying over $300 PER MONTH for insurance that doesn’t pay out!!! Time to change to Costco insurance. So sick of their fawning and LIES LIES LIES. Healthy Paws - no need to reply here - reply by actually processing my outstanding claims and quit delaying.

We have our Shelty insured for over a year. Aside from not paying for exams we were denied significant expenses tracking down a shoulder problem. They denied it as pre-existing, but that is not so. Perhaps, they mean pre-existing to making the claim. I think these folks are terrible, go anywhere else.

We had all claims for our 2 pups denied. It's a tribunal every time your puppy catches a cold and you want to get it covered - nothing like human medical insurance at all. I'd look for another option. This company has a lot of negative reviews, especially in recent years, and I wish that I had done my homework before signing up with them....Responding to their reply, the appointments were not all during the waiting period though their reason for rejecting was always "waiting period" in writing but if you called they gave a different answer. You can't win with this group- try somewhere else.

We have had Healthy Paws insurance for our pooch for more than 8 years. Lately the premiums have increased astronomically year to year, with the most recent one going form $141 a month to over $450. This is completely ridiculous. We have had no issues with payment of claims and they say the increase isn't related to claims filed - but they make it impossible to continue coverage with them. I will be taking my business elsewhere.

Same feedback as other reviewers recently. I have had my pet with this insurance company for 9+ years. Over that time, I have taken him in only twice for minor incidents that I had bills of less than $300 each. He just turned 11 and his insurance has gone from $65 a month to $160 a month. From what I see other reviews, I fully expect it to go up to $500 next year. This means that they are purposely trying to kick people off of their insurance as your pup ages which is at least unethical if not down-right illegal. Please research other providers before using this company.

I’ve had Healthy Paws insurance since adopting my girl at age 1. Back then, I was paying around $40/month. Over the years, despite never meeting my deductible and having a perfectly healthy pup, my premiums steadily rose—eventually reaching $93.25. I stayed with them because I believed the rhetoric that early enrollment protected me from age-based price hikes, and I knew it would be difficult to get new coverage as she got older. Yesterday, I received notice that my monthly premium is jumping to $236.81 in just two months. That’s a 254% increase from what I’m paying now—and nearly a 600% increase from when I started. For the exact same dog. With zero claims. I feel blindsided and betrayed. This is not just inflation or rising vet costs—this is a textbook bait-and-switch. Healthy Paws markets itself as different, claiming their premium increases are based on broader trends, not your individual pet’s age. But that’s clearly not true. Only now did I learn there was a class action lawsuit filed over this very issue. I wish I’d known sooner—but the damage is done. After years of faithfully paying premiums just to preserve coverage for my aging pup, I now can’t afford the care she might need because the rug has been pulled out from under me. It’s heartbreaking. Healthy Paws built its brand on compassion and transparency. This is neither. If you’re thinking of signing up, read recent reviews. This story isn’t unique—just buried until it’s too late.

Have used this insurance for a few years now, their service level has gotten much worse. For every claim we make now, they are requiring to send full medical records for the pet for the pet's entire life -- even if they already have the records because they made us send them previously!!! Our pets have been with healthy paws since we adpoted them (at 8 weeks), we provided their adoption visit records and have provided full medical records multiple times now. But to complete any new claim they are requiring us to send the same full medical history every time... Getting very time consuming to use this service and we will look for another - too bad they were good to us for years.

Flat out refuses to respond to the only claim i sent in during the last four years. Just filed a claim w branch of California government that oversees insurers. Changing to costco pet insurance.

We've used Healthy Paws for our two dogs' insurance for many years. Their rate hikes are absolutely astounding and unbearable once you start using the insurance or you're a few years in. Today, we got a letter saying they'll add a 2.99% credit card surcharge to their rates. Considering their parent company, Chubb Limited, brought in over 55 billion dollars in revenue in 2024, they should be able to cover credit card fees. Terrible. Would not purchase again. Stay far away from these money-hungry grubs.

We have been with Healthy Paws since 2019. My 6 year olds monthly premium is about $67 (increasing to $87 soon). My 8 year olds monthly premium is $87 and they’re increasing it to $207. He has had very minor issues this entire time and only a few claims. This is not right and it’s not okay. We currently pay $154 a month total and it’s increasing to $300 a month total. There is absolutely no reason why my 8 year olds premium should more than double. Again, this is not right or okay. We have been customers since 2019 and I can’t believe a company would treat customers this way. EDIT - I have already sent three emails to discuss this with no response.