Healthy Paws, a Chubb Company Reviews

My two dogs have been insured by Healthy Paws since they were puppies. In that time (10 years), I've paid thousands in premiums and have had very few claims, since they do not cover teeth cleaning or extractions. Luckily, those are the only expensive treatments either of my dogs have needed. For the past two years, my premiums have doubled TWICE! I've been forced to reduce coverage to 60% and $1000 deductible. Even so, my premium is still higher than it was last year. This no longer makes financial sense. Since my dogs are 10 years old and pet insurance doesn't cover preexisting conditions, switching to another insurer really isn't an option. At this point, I think I will cancel and just put the premium dollars in a savings account to pay for any issues.

After eight years of paying Healthy Paws insurance and finally getting back the amount close to the amount of the monthly payment. They changed my deductible from $250 to $500 and my reimbursement percentage from 80% to 70%. I dealt with the price increases from 50.07 in 2018, 112.72 in 2024, 152.44 in 2025. This year it was 142.95, down approx 10.00, but reduced policy as stated above.

Had Healthy Paws Pet Insurance for over 9 Years and never filed claim until 2025. This claim from 06/25 has still not been processed and I have had zero response from the company after uploading all the requested documents. This company raised my premiums during this process to $163/Mo and never followed up with me after promising to do so within 10 days on two separate occasions. Please tell anyone you know to never use this service and anyone using the service, to cancel immediately as the company is an absolute SCAM - BUYER BEWARE!

I’ve been a Healthy Paws customer for 13 years and have insured all of my dogs with them. I’ve always had a $250 deductible with 90% coverage, and I have never missed a single payment in all those years. I believed I was a valued, long‑term customer. Recently, I noticed my monthly premium had dropped slightly, which didn’t make sense. When I logged into my account, I discovered that Healthy Paws had unilaterally changed my deductible to $500 and reduced my reimbursement to 70% — without any consent.

Healthy Paws is simply the most corrupt Pet insurance company on the planet. I put in a claim a year ago. I've called 10 times and keep being told they need more information. I provide it to them and call back to be told my case hasn't been reopened. I put in one claim in a year and I'm still waiting to be paid. There can more no more incompetent company than Healthy Paws. Stay away from this company. They promise not to raise your payment, they are liars, they don't pay on claims. They try to wear you down until you give up or cancel. They are crooks.

We've been clients for over a decade and have filed maybe 2 claims ---- both denied. Insurance is a scam...they always find a way NOT to pay. BEST advice - Pay YOURSELF a monthly insurance premium and then use it to pay for your pet's expenses.

Made significant changes to existing policy, that I've had for 6 years, during the autorenewal period that I did not agree to. Decreased coverage percentage and doubled my deductible amount while the monthly premium stated the same. I called and the representative they said there isn't anything they can do. There are no other plan options available. This isn't the coverage I signed up for or want. This along with the premium rate significantly increasing every year (320% increase over 6 years). My dog is older and has pre-existing conditions so I can either cancel or am stuck with this plan.

I adopted Sam, a healthy 7month old Poodle mix, in 2021. Five months later I noticed cloudiness in one of his eyes. I thought there was no way he could have developed a cataract at his young age. After seeing his veterinarian, he was diagnosed with juvenile cataracts in both eyes. He was referred to a veterinarian ophthalmologist. Sam underwent successful bilateral cataract surgery the following month. Without Healthy Paws insurance the out-of-pocket cost to me would have been $5000. Without the surgery Sam would have been blind as a puppy. I paid my $250 deductible and 20% of the final cost of the surgery. I was so thankful that I purchased this policy the day I adopted him.

My pet has been insured with Healthy Paws for 8 years (and my daughter has had her dog insured for about the same amount of time). Although their coverage is fairly thorough, and their rates were reasonable, I am very disappointed with Healthy Paws and will likely cancel their coverage. They have raised their rates on average of 10% per year up until this last year. Then the rates more than doubled (from $101 per month to $265 per month). My daughter (who lives in a different town) also recently reported that she experienced the same type of rate increase.

Never received all the info, never reached out to me, even though I called them on several occasions. And now they say I did not meet my 3-month deadline even though the service agent said I did! Since I have been spending about $160 a month on pet insurance and they are fighting me on what may end up being about $200-$300 in refunds...I am done! Goodbye and Good Riddance, Healthy Paws!