I filed my first claim for healthy paws pet insurance over a year after I enrolled my new dog. Throughout the entire time I have owned him, I have been diligent in submitting proof of soap notes from previous vet visits (one over a year before I submitted a claim and the other several months before). I also submitted proof of vaccinations as well as negative parasite tests. When Beau injured his leg and needed an xray, I filed my first claim. I was then told that there needed to be more documentation. I emailed back said documentation, but figured I should also call for good measure. The customer service department was unable to tell me what documents they had previously received. (I will note that any time I had submitted documentation I received an automated email). When I asked if I could speak to anyone who worked in the claims department I was told there was no phone number, and the only way to contact them was via email. When I asked for that email, I was given the general customer service email that can be found on the website… so not anyone linked to claims. All emails I have sent have only been answered with automated responses. When I went back and totaled up how much I had spent on this dog insurance service, I was dismayed to find that had I simply put the same amount of money to the side I would have been able to cover my dogs treatment. I think that this company goes out of their way to make contacting them difficult, and receiving information regarding you claim impossible. I hope someone reads this review and saves themselves the money or finds another honest insurance company that will actually cover new injuries.

They are delaying the decision on the claim in every possible way. The first claim has been going on since November 2024, it is now May 19 2025 and still "in process". They are just dragging out time so that you continue to pay monthly. Ridiculous, we paid them for almost two years, our cat did not get sick, but broke a fang, insurance covers this case, our vet provided medical records and all the documents, but Healthy Paws kept asking for more and more documents, more exams, this lasted for three months, as a result, the claim was closed, in March 17th they received another veterinary exam what only they wanted for the claim. So for two months they have had all the documents what they asked but they only respond back that "review of the claim may take 10-14 business days"and repeat to ask us by email for the same vet docs what they have already! This company acts like a scammer. Tomorrow we will call to cancel this insurance and then send a complaint to BBB.

I put in a claim on March 14 and it had been over a year since my last claim. I felt it was taking so long and I never saw a direct deposit in my account, so I got online and saw that the claim had processed and they marked it "closed", however,they never paid me $279.20, which shows the amount I am due. I looked at my account and saw that somehow my direct deposit was not listed in my portal account, so I put it back in and called Healthy Paws to let them know, explained what happened and told them I put my direct deposit info back in the system. It is now May 19th and I called again TODAY, and they told me it should take 10 days from the first time I called and that I should be paid by May 23rd. Seems like a very long time since direct deposit is a very quick thing to correct. I don't have a lot of patience for insurance companies that would cancel me in an instant if I didn't pay my bill, but take their darn sweet time when they have to PAY ME.

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.

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’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.

Have used this insurance for a few years now, their service level has gotten much worse.