Healthy paws increased my pet insurance by 212%. They would have charged me $7200 per year for coverage. They said they sent me notice, which I never saw!

Avoid! I've been with this company with two dogs for 7 and 8 years, dogs have been insured since about 4-6 months of age. No issues with small claims over the years, however premiums increase regularly, to the point where I had to cut back to high deductible (more emergency style coverage), verses low deductible in the past. Recently had dentals done on both dogs and the company is requesting essentially full medical records to process the claim "to see when the condition started". This seems a bit ridiculous given the dental are appropriate for age and the dogs have been insured through these fools pretty much their entire lives. I dread the idea of trying to fight these guys to get anything major covered as this has already been a huge hassle and really seems unnecessary for common age appropriate medical procedures. The kicker is their call center is somewhere in southwest Asia, I've called several times over the years and have found it near impossible to have a productive interaction. I stay with them due to preexisting medical conditions but am at the point of just cancelling because it feels like scam if they won't payout for valid claims. After the deductible it will be a few hundred dollars back to me - a big deal for me, probably not so much for them.

I had a great experience w/ Healthy Paws and luckily I only had to file 1 claim and they paid it quickly. I got an email from them informing me of their absurd premium increase, more than double, which is absolutely insane. I saw there's a lawsuit against for the same reason. This is from them-" Current Monthly Premium: $68.00

I had my insurance with Healthy Paws since my dog 🐶 was a puppy.I signed up with Healthy Paws 12/30/2018, my wife recently said why do we not have coverage anymore.

I've used and appreciated Healthy Paws for my (now senior) dog (aged 12) since 2016. Every year they've had to increase rates slightly; I understand, the cost of care increases, etc. Today I got an email they're increasing my monthly cost from $90.63 to $249.87 - a 2.75x increase. While previously they've offered to adjust your annual deductible or reimbursement percentage to help you find a monthly cost that works for you, they've throttled the options available so the lowest this can get is $201/month. An absolute RACKET. Everyone would be better off putting $90 (or whatever you can afford) into a high yield savings account every month.

Update based on their reply:

I had Healthy Paws for years. Then, all of a sudden they increased my monthly payments from $110.74 to $841.61 monthly. I called them but they could not give me an explanation for the increase. I have recommended them in the past but will now let the folks know that they may be in for an unexplained increase and since their pets are young, they will possibly check out other insurance companies. They were great until my cat got older. By that being said, I would think very hard before I would go with them again especially since my cat has been pretty healthy. Money lost monthly for me.

UPDATE: I sent in the medical records for the appeal, now it's taking forever and "under review." Been on phone now over an hour between overseas and US, now being transferred to a supervisor. Very frustrated! ***** Used to be a super great company! US based agents, picked up on third ring. Very nice folks. Really it was the only insurance company I didn't have to argue with. That was then. Now it's overseas customer service, no idea what they are doing. I submitted a claim, they did not pay for blood work even though my dog was sick and should have been covered. I just requested and got transferred to US agent. She said my account terminated 2 years ago for a dog that passed away. I said no I have a current account with a new dog after that. She can't find account. Now I'm on permahold to talk to supervisor. I thought I bet Healthy Paws got bought out, sure enough Chubb bought company in July 2024. Now they are just as bad as any other insurance company. Very sad.

I have paid for YEARS with ridiculous increasing premiums each year. When it's time to reimburse us $400 they keep saying they aren't getting all the info from our vet. Dog was in 2 days in a row and they say they only have info for 1 of the days. The vet sent it all at once, multiple times.

Horrible experience on final claim after losing our dog to cancer. I have had this insurance for 10 years. Never had a claim until March 2025 when we found out our dog had cancer. I submitted 2 bigger claims, but under $500. Another for medications and a final for euthanasia which $150. Never in the previous larger 4 claims did they ever ask for a full 10 year medical record of our dog until the final claim. Seems if a full medical record was necessary it should have been required on first claim, not after losing our dog and on the final claim. This company is unethical and I cannot help but wonder if this about getting yet another payment while they jerk us around.