This company is really great - at avoiding paying for claims by wearing you down until you finally give up. Trying to explain to a brick wall how the word “urine” on a claim does not mean it is related to a history of urinary tract health has been among the most painful experiences of my life, and my cat is still very, very sick. Not, however, due to a pre-existing condition. But yeah, sure, let me do all the leg work to prove it is unrelated, since you can’t read and have no idea how labs work. Convenient for a (pet) health insurance company. A quick rundown - both humans and pets have a couple of commonly tested fluids, specifically blood, saliva, and urine. Urinalysis is not only completed to evaluate urinary tract health. I really just want to shout “DUH” at the morons processing these claims, and even more at the people writing their guidelines and training them. I pay money to this company with the idea that it will REDUCE stress in the event of horrible illness or accident for one of my pets, but time and again it only INCREASES the stress. I have paid far more in premiums than I will ever get back, which is obviously their goal, but the years they have taken off my life are more than they are allowed to collect. You can’t be there for your pet if the insurance company drives you off a cliff. Don’t do it.

This company is a scam. i started out paying 50 bucks a month for my dog when he was 2. He is now 12 with no chronic health problem. This year they raised my rates by 47 dollars. I'm now paying 206 dollars. It's crap. It's predatory. I hope everyone who works here understands the harm they are doing to pet owners.

i've been a police holder for over 4 years and during that time have made only one small claim. Now I have

Please do a lot of research before accepting this insurance!! This company price increases so much that after having coverage for several years, I am now told I have to pay over $220 a month! I just got an increase of $78 a month. When you increase prices this much year after year then it’s not affordable to have coverage after 4 years and most pets live much longer than 4 years. I will never use this company again since there are many other insurance companies now who have the same coverage plans and won’t increase so drastically each year so I can actually keep coverage to save my dogs life longer than after 4 years.

Updated:

My dog is very healthy, i almost never use the insurance ever year increases 50%.

Been with them 10 years. 1 dog for 10, 2nd for 7. Paid out lots of $$ over $16,000. Reimbursement- $656.52 after deductibles. They used to have late payment option by a few days. Removed it without notifying anyone. Noticed this was after they lost a BIG class action lawsuit. Have a medical emergency in my family and requested a 3 day late payment. 3 days. Denied. Customer service non existent. Had asked about this before and they kept saying I wasn’t a customer and couldn’t find my account but they could keep getting direct payments. There’s other companies out there now with more services. Recommend new people search for better options. We pay more $$$ per month for pet insurance than ours. Get less consideration for loyal customer. 3 days delay. 3. Seriously. It’s not like they’re not going to get their money.

I should have left this company four years ago when I had my first and only claim. The claim process was an absolute nightmare and took several weeks to get figured out. Over the last several years they have raised my rates from originally around $20 to nearly $50 a month. So when I recently switched to a new company, I did not notice that there was a two week waiting Period. So I went back to Healthy Paws on the day that I had asked them to cancel it to ask if I can keep it until my new one went into effect. They knew the 2 week wait period and should have reminded me of that instead of basically SEE YA and there is nothing we can do. So… They did absolutely nothing for me. They could care less if my dog had coverage or not for the next couple of weeks. The responses from whoever was sending emails to me, was a complete jerk. I finally had to tell them to stop emailing me back I would not recommend this company to anyone and I’m not really sure why they rank so high. Healthy paws… I’m so disappointed in your lack of caring and customer service.

I have been a very satisfied customer of Healthy Paws Pet Insurance for 3 years until I received an email yesterday notifying me that my monthly premiums will be increasing by 50% !! beginning in 63 days. My claims have been low for my 8 yr old dog with manageable annual premium increases of around 10% each year. I understand pet medical care costs are rising but there is no explanation to justify such a large increase. I have made comparisons with other pet coverage companies and will be saving that 50%.

I have had HP for several years. All of our claims have been quite small - so they are quick. & days ago submitted 3 claims. $208, $5400, $268. So they applied the $208 to deductible. The $268 was missing a digit on the receipt. THey refused to process the $5400 claim until they had the CORRECT receipt number! They were not even related! Vet was out sick and I could't get a reprint for 2 weeks. So I asked for HP to close that claim and process the $5400 - nope refused to!