Healthy Paws Pet Insurance

I adopted a kitten from a shelter in 2016. I got a Healthy Paw insurance policy for her right after.

My initial premium was $25. Premium kept rising through the years and today I received notification that its going to be $72(!).

I only filed one claim that was denied without even notifying me.

I called them and they said that my premium is increasing because volume of claims in my area is increasing - so Im paying for everybody elses care and supporting insurance company profits.

I dont recommend this insurance company - dont waist your money like I did for 7 years.

Like other Healthy Paw customers. The premiums have almost doubled.

They are near impossible to contact and just and submitting claims is getting harder and harder to reach reimbursement!

We had HP for 7 years now, and I don't think I would recommend this company. Ignore all the #1 rating you see online, they are exaggerated!

For two and a half years I have plead for transparency. I tried ten plus times between e-mails and phone communications to find out if an issue that is considered hereditary and/or congenial would be covered.

All I needed was 2 minutes of someones time to quickly look through 3-5 pages and tell me yes or no.

Healthy Paws (HP) is setting pet-parents (PP) up to FAIL by forcefully placing me into a hamster wheel.

HP has carefully built a system that blocks all ability for a pet parent to speak to a claims agent and get a straightforward answer, omitting the goal of transparency. HP leaves it up to the pet parent (PP) to interpret convoluted insurance jargon and/or stipulations with no training on their own. The documents provided on the portal are vague and offer no assistance for the untrained plan participant. The only way to get through to someone, is to go through the out of pocket expense (during a pandemic) and hope for approval.

If it gets denied, THEN the PP has the privilege of a 2-3-minute phone call with well-trained/well-versed claims underwriter and/or on-call Vet. not to mention, their website has been down on numerous occasions and the App works when its convenient to collect payments.

Due of HPs selected operating procedures, HP bottom line/goal is to deliberately leave the PP in a guaranteed position of zero support and resolution. When asking for help, PPs are given the standard I am so sorry she /he is not feeling well!, followed by a second apology for an issue that they cant help you. HPs system is clearly flawed - At the end of the day, a flawed system causes harm to the suffering pet.

I am now left with a dog who cannot walk w/o discomfort during COVID.

My experience clearly shows me that HP does not value my loyalty, or practice compassion towards its insured.

I have dealt with premium hikes (based on HP formula for claims payout) and NEVER filed a claim.

Yet, I remained committed to HP. In return, the most their team was willing to do is apologize for an error in 2019 (that could have easily been avoided), shoot me a link for an animal foundation that could potentially help pay for the cost, ultimately brushing this issue under a rug to get it off their queue.

To say I am heart broken and dealing with emotional duress, is an understatement.

NEVER again will I deal with this company.

We just learned that Healthy Paws Pet Insurance is increasing the monthly premium for our dog by about 20%. There was a massive increase last year as well. Now, the policy cost about 5x what it did when he was a pup.

My premium just went up 90% for an 8 year old dog. It went from $74 to $141.

Vet car did NOT go up 90% claiming that is how Healthy Paws claims they figure how much to raise premiums! There has to be something consumers can do to stop these companies from ripping off the consumer.

I recently lost my beloved German Shepherd which was obviously devastating on its own.. For some bizarre reason healthy Paws immediately terminated my account.

and I could no longer access my records.. I believe there are one or two claims that I submitted that have not been paid but now I cannot go online and check anything.. I've called multiple times and emails as well. they do not respond to any of my emails and whole times for calls.

I've been over 45 minutes every time.. I spoke once to an agent who told me this was their process and basically too bad. i asked him for a supervisor and never heard from one.

I emailed again yesterday and now and preparing to file a formal complaint with the Insurance Board. Stay away from this company

Cannot get app to change credit card and been on hold hour and half waiting for person who can. The phone is answered by one woman in Manila who can do nothing for you

I purchased their very expensive insurance for my two dogs and paid my premiums faithfully. My card was hacked, one payment did not go through, and the policy was cancelled in days with no notification whatsoever.

Had my pets had a problem, I would have been high and dry. Of course, you can start over, paying their processing fees and waiting time, during which you pay for nothing. This company cares only about clipping their coupons and nothing about its customers.

I'm glad I found out before I actually needed them. Stick with a reliable company!

Beware ! If your pet requires dental surgery - extractions, anesthesia, medications, etc.

HealthyPaws will pay nothing since they consider it as Dental and not Surgical. My previous pet Insurance company would at least reimburse for surgery and anesthesia for dental procedures. Given this experience, my impression of HealthyPaws is that they are no better than other pet insurance companies. They need to make a profit and their incentive is to find ways not to pay out by bucketizing claims as much as possible in the "not covered" category.

When people purchase these policies they expect surgery costs to be covered given there is no pre-existing condition. One day there will be a better, competitor Pet insurance company entering the market with realistic and fair underwriting that meets more consumer expectations than HealthyPaws.

This company has increased my policy over time, to over $50.00 per MONTH for a single dog. Nearly ($650) a thousand dollars a year.

When I first got the policy a year and a half ago it was about $40.00 . It has rose ever since. Even though I've never made a claim. A person would be better off sticking $50 bucks a month in a credit union savings account than blowing it on an insurance company more than likely going to deny the claim.

After two years of feeding a bank account you will have enough to cover most pet emergencies. Or at least, make a hefty down payment. It you look on BBB/Rip off report there are more complaints than any other comment. And Healthy Paws response is to simply reply to the customer quoting policy.

I was dumb founded how unsympathetic that tactic is, even if the customer is wrong.

But, all they want to do is prove their right, because policy says so. Even though they may be applying the policy incorrectly.

RIPOFF! I've been paying this policy religiously for two pets for several years.

They've made thousands off of me. When one of my pets needed surgery, I had to fork out thousands. The process took a ridiculously long time and I was only reimbursed less than 15% of what I had to spend. So if I had to spend $10,000, I was reimbursed less than $1500.

This charge couldn't be included. That charge can't be included! I worked hard for the money I paid to them to make sure my pets were covered. And when a crisis hit, I feel like I was really taken advantage of.

Not happy! Stay away unless you want to be taken for a fool!

I purchased health insurance for my pets last october '12. I knew when I got it that any of the situations my pets had previously would not be covered.

Illnesses or injuries of any sort. Reasonable on the insurance company's part. My one pet gets frequent urinary tract infections, as humans do. She also has a deformed leg from birth, which I knew was congenital.

We thought she would go through life this way. The vet said it was OK. Well, since that diagnosis her leg has gotten worse and the vet says she needs an operation. I submit it to the insurance.

They say because she was DIAGNOSED before I had insurance, they will not cover it, even though they do cover CONGENITAL conditions. What is the difference if the vet told me before I had insurance that her leg was due to a congenital reason, or she told me after I got the insurance. THEY COVER CONGENITAL PROBLEMS. CONGENITAL means from birth.

It does not mean "when the vet tells you"!!!!!! The UTI's aren't covered either because they are the SAME CONDITION, whether it is a different germ or cause or what. INSANE LOGIC.

I find this to be a twist of the language and a fraudulent practice. I want to know who I can contact to make them see the error of their ways.