Warning! Be prepared for steep jumps in premiums as your pet ages & has more health care needs. We are long-time customers of Healthy Paws pet insurance & just got notice our premium is going to jump from $146.71 to $1,210.83 a month. That’s an increase of 725%. Assuming this unbelievable jump in cost had to be a mistake, we contacted Healthy Paws & this was their response: “In the face of steeply rising costs and other veterinary industry developments in WA, after careful consideration, Healthy Paws will be replacing your current pet health insurance coverage...” Even though vet prices may be increasing, that does not justify a 725% increase in premiums. We believe our aging dog, who had cancer surgery this past year, is no longer profitable enough for Healthy Paws. This appears to be a pet insurance company that pushes out dogs as they age & need more frequent vet care. It looks like their focus on profits outweighs their compassion for pets & their owners.

Healthy paws is a rip off and has terrible customer service. I've had them for 3 years, and i'm finally going to switch after too many frustrations. Several times, they don't reimburse the amount they should. And when you appeal it, they don't let you talk to a real person in claims to explain it -- you can only communicate via email (can't call or talk to anyone via phone) and it can take over a month to hear back. When you talk to someone in 'customer success' (not claims), they just tell you to send an email to the claims team. They typically don't speak english well and are reading off of a prompt, so it's like talking to a delayed and unhelpful chatbot.

As a physician I don’t trust health insurance policies to begin with. The pet insurance industry is not nearly as regulated as human insurance so it can be rife with dishonesty and no one cares. This is one of those policies. If you do not get insurance the minute your pet is born, do not bother getting insurance. First they offer you no verbiage of the policy when you sign up. Simply put in your dogs age, breed, and decide how much you would want them to pay if an injury happens. Then start paying your premium. They also don’t send you a written copy of the supposed policy you signed up for. When there is a problem that is common amongst your breed I guarantee it won’t be covered. ACL repair one side only and if your dog already tore one side they will never cover that on any other limb. That goes for anything else that can occur in more than one area. Think tooth abscess, knee dislocation, eye problems, etc… Despite, the fact that they say everything is covered it is not. The policy is in the legal jargon you would expect, completely indecipherable by the regular person. Once again you’ve never been provided a copy of this policy but when they don’t want to pay for something, they will send you a copy of page 4, 6, etc… that you never saw. Furthermore, it won’t even say what they say it does, its so nonspecific and arbitrary that it could be applied to anything. Maybe just maybe this insurance will cover if your dog is hit by a car. However, if a vet has ever jotted down that your dog ran in the street in the past… they will not cover it. I’m pretty sure the people who are raving about this insurance either work for the company or are married to someone that does. Let me add their very clear verbiage that they think is so crystal clear. Judge for yourself. You will find this information in our policy, page 2: 2) PRE-EXISTING CONDITIONS We do not cover pre-existing conditions. Pre-existing conditions mean: a. illness or the recurrence of any illness or condition which first occurred or displayed any signs and/or symptoms consistent with the stated illness or condition prior to the pet policy effective date; b. an injury or recurrence of an injury that occurred prior to the pet policy effective date; or c. any condition or complication resulting from an illness or injury that occurred prior to the pet policy effective date. 4) OTHER EXCLUSIONS h. Abnormalities where clinical symptoms were apparent prior to the pet policy effective date. This includes conditions that are detectable by a routine physical exam by your veterinarian; V. DEFINITIONS 3) Clinical Symptoms. Any manifested anomaly in, or deviation from the regular healthy state or function of a pet, including behavioral traits. Symptoms include any anomaly that is readily detectible by a thorough and complete clinical examination. 5) Condition. Any manifestations of clinical symptoms consistent with a diagnosis or diagnoses, regardless of the number of incident

I have this insurance for my 2 pets, a cat and a dog for 5 years. I started paying $67 for both. Last year or year before the monthly payment increased to $88 for both, and I agreed to it because I thought it happened after we did submit claims after my dog's surgery. But now, only 1 or 2 years after, after I didn't submit any claims, they increased it to $125, which is almost 50% increase! It is insane ! They offer other options which you will need to pay insurance AND deductible not $250 that I have now, but %500 or even %1000. Before it happened I did recommend this insurance for everyone, but now I can say that it is unfair, increase should not effect all customers, it may affect those who did submit claims, even not all of them, only if it was a lot. How much we will pay in a few years, like for car insurance, $ 700 ?????

After four years of constant but reasonable increases (from $31 to $62), current year renewal for a healthy 6 year old 55lbs dog went from $62 to $97. An otherwise great company that I would have stuck with and often recommended ruined by idiotic decisions - note the numerous complaints here and on other social media platforms like Reddit.

Just received a 208% monthly premium for our 2 dogs. Went from $193.37 in May to $597.35 in June for our 6 yr old golden/boxer mix and 10 yr boxer. No health changes for either one. Both had been covered with healthy paws for over 5 years.

Title: False Advertising I enrolled my 1.5-year-old neutered Boxer mix with Healthy Paws based on their reputation and the understanding that rates wouldn’t increase arbitrarily. I was paying $48/month for 80% coverage with a $250 deductible, which felt reasonable. I’ve had a good experience with claims — the app is easy to use, and reimbursements were processed quickly. However, I was surprised and disappointed to see my monthly premium jump to $60, despite having no major claims or changes in coverage. When I signed up, I understood that rates would stay stable unless veterinary costs significantly increased. This hike feels excessive and poorly explained. After some research, I’ve found that many customers have experienced similar increases, which contradicts how Healthy Paws was originally marketed to me. I think it’s important for potential customers to know that premiums can rise sharply, even without claims. I’m now looking into other providers with more transparent pricing.

Heathy Paws is horrible. Bottom line. Anytime you have to file a claim the look for a loophole to deny it. Additionally they purposefully raised my rates 157% with no notification at alll because my animals are older. Horrible company. Editing this to say they never sent a email and are litterally lying. This company discriminates pet owners with older dogs.

Waste of money. They only offer coverage on emergency care and do not cover any preventative care.

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. This is really heartbreaking for me because now as I look for new pet insurance, any kind of medical issue (as small as a tummy ache, chest cough, etc.) that my dog has experienced in his lifetime can be written off as a preexisting condition that the insurance company no longer has to cover. Because of this, I want to really caution folks to do their research and think twice before committing to HealthyPaws unless you have that cash to burn. Even if your estimate is reasonable now, you can see folks on Reddit/in online forums sharing screenshots of their monthly premiums going from $39 to $421 over the years for just one dog. Just to provide some numbers, I have been with HealthyPaws since 2017, with a starting premium of $49.17/month for my one dog. Every year since then, they increased this premium by 10-20%, so every year I would select a smaller reimbursement % (and higher deductible) to help balance things out. Right now I am at $94.26/month at their lowest reimbursement and highest deducible option, but I just received an email that they will be increasing my premium by 229% to $215.41/month. At this rate, the smarter move will be for me to simply set aside $90/month into an emergency fund and letting it slowly grow. I am sad about this because HealthyPaws has always been very quick and efficient about reimbursements, but I cannot recommend this company in good conscience (unless you are incredibly wealthy and can afford your monthly premium spiking over $500/month in your dog's later years).