Healthy Paws, a Chubb Company Reviews

I WOULD GIVE ZERO STARS IF I COULD. AVOID HEALTHY PAWS. Do not use Healthy Paws. I am absolutely disgusted with this company. I have insured multiple dogs with them, and my current dog has been insured since he was 3 months old. He is now 7. They started out great, but over the years they have continually found reasons not to cover things, while my premiums have more than doubled. I was even forced to drop from 90% coverage to 50% because the cost became ridiculous.

For the past 7 years, I have subscribed to Healthy Paws. I have 2 healthy dogs insured. My premiums have increased yearly and I have paid literally thousands over the years. It’s bad enough that Healthy Paws does not cover exams. But the biggest blow that the company hit us with was when our oldest dog just turned 7. Without our consent, they changed his coverage to 70% after a $500 co-pay. They also greatly increased his premium. I spoke with two different representatives and they said that they are now changing policies for all senior pets. Just when we might need insurance the most, they have suddenly changed our policy. When I signed up with Healthy Paws, my policy said that our coverage would never change. This deceptive company is now facing class action lawsuits.

After being with Healthy Paws for 10+ years and saying great things about them I wanted to share they recently raised my rates $100 a month for the cost of premiums and also changed my deductible from $250 to $500 and reduced my covered payout from 90% to 70%. Horrible, horrible, horrible!!! I will not use them for any new pets I adopt nor will I recommend them anymore to anyone.

Very disappointed with Healthy Paws. I have had a policy for my 4 cats for over 12 years at the limits I chose. A few months ago, Healthy Paws changed my plan. Coincidentally as my pets are at an age where they will begin to need more care. My plan went from $100 deductible - 10% coinsurance to $500 deductible- 30% coinsurance. This is a very unfair practice and of course, they know it is difficult to find another plan now that the pets are older. This has soured me on Healthy Paws and I would never recommend them. To me this feels like a very shady practice. :(

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!

I have had this insurance since my dog was a pup. I wanted to try the virtual vet (he kept licking his paw-what should I put on it?) but the site said my account was pending cancellation. So I called and was told that I had called and cancelled my policy-I had not. I asked to have it reinstated but was told they can't do that. Hopefully I have better luck with Spot!

Signed up for 2 pets between May-Sep 2024. Currently $114/month ($1368 paid in premiums in past year). In July 2025 I had two new pet issues, ear infection and tail mass visits to cancer vet spec. Over $1,000 in vet bills filed in November 2025 online, coverage $0, explanation: did not file on time. "Anything that involves Dr opinion not covered". Every email from them states "You are committing fraud and a felony if your claim is not accurate". They want complete medical records with each claim filed. I couldn't think of a worse investment for my pets' health. Larry **, Indianapolis, IN

After being a client for 7 yrs with 4 pet insurance policies, Healthy Paws denied my claim submission due to being 2 days late in uploading the documents. I understand the 90 day policy but hoped being a client who always paid on time would have earned us a little grace. They offer none. Extremely disappointed that in these difficult economic times no consideration is taken whatsoever. Approving the claim would have resulted in a reimbursement of around $135. Nothing to a large insurance company but everything to a person that rescues, TNR's, feeds dumped & feral animals and pays for medical care or euthanasia out of their own pocket. Shame on me for thinking they have the best interest of my pets at heart.

I didn't intend to write a review, but can't help wading in. Like so many folks here my premiums recently jumped over 100% for my 12 yo bestie. I was a little surprised by the magnitude of the hike but I also appreciate costs are going up across the board. That said in the twelve years my boy has been insured with HealthyPaws he has had back surgery, two leg surgeries (TPLO), treatment for a heart murmur, CHF, and most recently arterial fibrillation. In EVERY case HealthyPaws paid the vast majority of the expense with my reimbursement from them usually arriving well before my credit card statement. My boy has had more than his share of issues but I have great peace of mind knowing his care hasn't ever had to be compromised for cost reasons. I would definitely recommend Healthypaws to anyone and will be a customer as long as I have pets.

I have been insured since 2014. When my dog turned 12 my rate went up $30. After the Chubb Corporate takeover and my boy turned 13 they raised my premium from $200 to $600. They stated it was because rising costs however none of my dogs services increased more than $6.00 and I live in one of the most expensive place in the country.

I have been with Healthy Paws for 9 years, no claims and all of the sudden they raise the premium to more than double. From $65 to $150. Their justification was that more pet owners file claims in CA right now. Wouldn't backdate my cancellation, even tho I caught it within a couple days of them hiking my rate. Super annoying to be forced to change providers at my dog's age.

Raised my insurance from $ 68.00 per month to $144.00, reduced their share of the cost from 70% to 50%, and increased the deductible from $ 250.00 to $ 1,000.00. I've been with them for 10 years. It's almost as if they are trying to get rid of me by pricing me out.

They do not advertise that the rate increases are huge! Our puppy started at around 60$ a month. It slowly increased to 120$ which is a lot. Today they hit us with the new price of 380! A month! What? She has never had a claim. She is only 11 years old. What’s next? 600$ a 1000$. They will not lock in a rate so can raise any time. It’s not ethical.

I used to love Healthy Paws. They were always quick to process my claims. The turnaround time was incredible. Lately, however, they have dropped the ball tremendously. I have seven claims in for my dog’s medications and have been waiting over two months for them to finish processing then and reimburse me. These are not new medications. These are medications that my dog has been on for over a year. I have called multiple times as well as sent emails. The response I get is they have so many claims they need to process. Last response I got was that a supervisor would be in touch with me. That was over a week ago. I’m still waiting.

I had Healthy paws over approx 4 to 5 yrs and it was pure you know what to get them to pay on a claim even the smallest amounts as well as I had autopsy and only had one claim in 5 yrs and started out at paying 45 a month to a little under 5 yrs they increased me to almost 150 a month and their reason was because so many members were filing so many claims and to make up for all of those members they make other members pay more monthly premiums including me who only used the policy once and had to fight hell to get them to pay for something they should have covered and that a went toward my deductible so they never even had to pay but but 6 dollars on the claim after my deductible yet I'm Being punished for strangers using their policies too much and that was from one of their reps that said that. That's NOT FAIR. How can you punish someone else for someone they don't even know using their policy. Isn't that why we pay a premium??

What a joke of a company. They sit there and bring you along and then when you do actually need to use them for the prime coverage you just paid 130 a month for, when the use comes it takes 3/4 months to get anything back, and they just end up stalling on the claim to make you spend all the money they would have originally given you. It's a scam. All you did was pay yourself back. Don't fall for this crap, they are going to get you fine with the coverage and wait 5 years and then jump the price extremely high. Do yourself a favor and find coverage that's less than 50 bucks a month to make it more manageable and then save 50 a month yourself till you get like 500 and then it should be fine.

I have had Healthy Paws for my terrier mix for 10 years. I adopted her in 2015 and she is about 11 years old. There have been minimal increases over the past 9 years. I was sent an email last week explaining that my monthly premium was going from $88.74 to $224.47. I emailed back in hopes that this was an error and the response was ~ "These changes were made because, as pets age, claim costs increase. To keep premiums manageable and coverage sustainable for all pet parents with older pets, these updates apply to all policies for pets aged 7 and above." My dog has needed an allergy shot maybe 3 times a year and many of the 10 years my deductible was rarely met.

We have had Healthy Paws pet insurance for our last two dogs, Winnie and now Grace. Particularly in the roughest moments, we have been very thankful we chose Healthy Paws for our pet insurance needs. Having our claims processed fairly and efficiently has been so helpful as we have navigated tough health situations with both dogs. We are very thankful we have found a pet insurance we can count on with no lifetime limits and transparent and consistent claims processing. This ensures we don't have to choose between our pet and our financial security if tough health situations happen.

I highly recommend insuring your pet with Healthy Paws pet insurance. I have had this insurance since my dog was a puppy, and I didn’t need to use it until recently. A couple of months ago, my dog was diagnosed with Thyroid cancer. Healthy Paws has really helped us a lot. They have covered all her diagnostics, surgery, and chemo treatments. This has saved us over $14,000 so far. The company has been great to deal with. The way it works is you pay upfront at the vet and then send in the bill to Healthy Paws and they reimburse you for a percentage of the cost based on which plan you have. We were able to choose our vets and get treatment immediately without needing to wait for any preapprovals or anything.

I have fortunately had Healthy Paws insurance on my 2 Shih Tzus since they were 3months old, which is over 10 years. Without the insurance it would have been difficult to pay for both of their multiple surgeries and medications. Healthy Paws have been a pleasure to work with. They are extremely quick on the reimbursement on claims. I would, and have, highly recommend.

I’ve had Healthy Paws for both my dogs. I’ve convinced many friends to buy this specific insurance because of how responsive they have been. The fact that there is no cap on policies is the first no brainer. They have never asked a single question about any claims and pay SO fast and with direct deposit to my bank. My dog was recently diagnosed with a brain tumor and the entire process, from first emergency visit to neurologist, to MRI and radiation has come to around $30k. If I didn't have this insurance, we never could have saved her and now we have a minimum of 2 years more with her. There’s no comfort like being given a bill at vet office and KNOWING I can say yes to anything she needs because of this company. Not to mention they always reach out to me when something big happens. My first dog was hit by a car and I they sent me a hand written condolences card. And with the dog, they emailed to check on her.

My dog is 10 years old and I’ve used Healthy Paws for major health events. As an Equine Mortality Underwriter myself, I must say their customer service, and claims payment times are excellent. I have recommended the company to my friends and colleagues including my vet clinic. Healthy paws is an excellent five star rating pet insurance company.

Each year, my premium has increased exponentially. However, when I’ve submitted claims, they’ve refused to cover anything substantial. I’ve ended up paying far more out of pocket than I ever saved. What’s the point of insurance if it skyrockets in price and provides no real coverage?

I will start with the fact that this company has always shown up and delivered when I most needed. I joined in 2019 with our first dog, and added our second dog in 2020 (my original premium was $100 for both dogs). However, in recent years they have been increasing premiums above and beyond any metrics that relate to veterinarian cost (several lawsuits). I went from a 2023 policy of $123 for my 2 pets to a recent increase to $210, a 70% increase in 2 years (this is after I increased my deductible to lower my premium).

I've been with Healthy Paws for 5 years, since my cat was a kitten. They're responsive, flexible, and especially calm and helpful in an emergency. Scheduling is easy, really feels like they have availability even though I'm sure they're very busy. Can't recommend them enough!

We have used Healthy Paws for over 8 years. We rescued a 7 yr old Boston and at that point NYS law allowed for senior coverage through Healthy Paws and it was so helpful. Sadly at age 11 he got prostate cancer and Healthy Paws made it so easy to submit claims and the reimbursements were so quick. I never had to worry about coverage because it was very clear on what was and wasn't covered after the deductible. All his oncologist visits and chemo meds were all covered. And when it was time to transition him, Healthy Paws was supportive and the cost was covered under the policy. We even got a condolence card from them after George passed. Now with our second dog Ellie, she was rescued at 1 yrs old and we also got her coverage from Healthy Paws.

Good pet insurance if your pet is young but as soon as they become older your monthly premium is going to triple in costs (you know when it would be very difficult to get another pet insurance due to age and preexisting conditions). Rather predatory.

I signed up with Healthy Paws when I got my puppy in 2021. My monthly rate has increased by about $20 in the four years I’ve had it and my pup is very steady and is not accident prone, so I considered canceling earlier this year. Thank goodness I didn’t! She had a serious digestive issue which would have cost us $1600 in vet bills, Healthy Paws helped significantly with that and enabled me to feel comfortable pursuing further testing than I could have afforded on my own. About a month later my pup stepped on a bee and threw up. I decided to take her to the ER vet to be safe because I knew that I had insurance to help cover that, and thank goodness I didn’t! Anaphylaxis presents as GI issues in dogs and she was having a reaction from the sting that required immediate treatment.

Healthy Paws is the BEST! Their care for your fur baby is top notched, they really care, when you file a claim they do their best to turn it around in days. I never had any issues with them and recommend them to all my family and friends. You will not regret going with Healthy Paws.

This is the third time our dog Jasper has had a major health issue that required surgery. Jasper suffered a traumatic eye injury when she went to sniff peanut butter from a live rat trap. The trap sprung and hit her in her left eye. She sustained major damage to her eye and required surgery to save it. Eye surgery is very expensive but since we had Healthy Paws insurance, the decision was easy. I am happy to say that Jasper's eye was saved and she does have some vision back in her eye. We can't thank Healthy Paws enough for their outstanding insurance and absolute ease in submitting claims.

I’ve had Healthy Paws Pet Insurance since my dog Rain was just 3 months old, and they’ve consistently been an incredible partner in keeping my pup happy and healthy. From the start, every claim I’ve submitted has been processed quickly and without hassle. Most recently, my dog suffered a torn CCL and needed TPLO surgery—a major procedure. Healthy Paws not only approved our claim without delay but paid it out in just 8 days. In the middle of a stressful and emotional situation, their fast and compassionate service was a huge relief! We have strong accident and illness coverage through them, and knowing Healthy Paws is by our side gives me peace of mind that my dog will continue to live a high-quality, active life for years to come. I can’t recommend them highly enough. If you’re considering pet insurance, this is the company you want in your corner.