Customer ReviewsforHealthy Paws Pet Insurance LLC

Buyer beware! They do not pay after paying 9 years.

We truly appreciate your being part of the Healthy paws family for the past 7 years. As per your plan we do require full medical records for all enrolled pets in order to process claims. Once full records are received (typically we ask for them when you file your first few claims) we will keep them on file for future claims processing and you will never have to submit full records again. In the future, if we do need clarification for a specific claim, we may simply request the date of service exam notes for that visit. Our customer care team covered this in more detail during your call back in the fall of 2023. Our team reached out on your behalf to your veterinarian for those records, but they were never received. Unfortunately, we could not process your pets claims without those records. Were sorry to lose you as a policyholder last year and hope you and your pets stay well.

I had three dogs insured by Healthy Paws. Over 7 years they have raised the rates from $47 to $109. Now too late to change insurance companies. One dog died a year ago due to an aggressive fast growing tumor. They put me through h*** at a time we were grieving always asking for more information and claiming they didnt receive documents. In the end I received approx $900 for a $2400 bill. Save your money, put what you would pay for premiums into a savings account . You will be further ahead and will save yourself a lot of grief!!

We truly appreciate you being part of the Healthy Paws family for the past 7 years and glad we have been able to provide coverage for your claims during that time. We understand that no one likes any form of premium increase. Your premium amount increase is influenced by two primary factors, the increased age of your pet, and the cost of veterinary care services reflected in the claims paid in your specific state. Your premium has gone up because total claim payments to pet parents, among other things, have increased faster than premiums paid by all pet parents in your state. As a result, the premiums for insurance for all pets in your state needs to be increased so that your insurer can continue to provide this type of insurance. Premiums are determined based on the rates and rating rules filed with, and approved by, each states insurance regulator, which reflect the cost of treatment advances in veterinary medicine, and characteristics of the individual pet, in addition to the overall claims experience for the program within the region where the pet resides. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website.

10 plus year member. Never filed a claim. Rates go up as your dog ages. Started at $30 now at $90+/month. Filed a claim a few months back for removal of a mass from his back leg. Provided the detailed invoice from the vet. . They said I needed to go to the vet and get all these additional vet notes *** other forms. Isnt that the insurance companys job? Why am I doing all the work and paying the premium. Then they said they needed all of bodies medical records which they have had for years. I provided documents again and they said there was a gap of some sort. None of this has anything to do with this isolated procedure as detailed in the invoice. We moved and we used some vets one time to keep dog current. There was no claim so I did not provide the invoices. They take your premium the overwhelm you with doc requests when you need to actually use them. Ive paid over $7k in premiums for a policy Ive never used and basically cant unless I harass my vet to provide additional forms that are not normal. Be smarter than I was and just put money away every month for your puppy and youll be set if/when something happens. I cancelled my policy. Wanted to cancel many times but kept sayingwell, Ive already paid so much and now my dog is old so might as well stick around. When I need to use my policy they made it so cumbersome that I just gave up and thats what they count on. The rates keep going up so might as well cut bait and set up a side account for any future vet bills.

We appreciate you being part of the Healthy Paws family for the past 10 years. As per the policy we do require medical records for all enrolled pets in order to process claims, including a copy of the required enrollment examination. Once full records are received (typically we ask for them when you file your first few claims) we will keep them on file for future claims processing and you will never have to submit full records again. In the future, if we do need clarification for a specific claim, we may simply request the date of service exam notes for that visit. We appreciate your efforts in providing medical records, but the majority of those were line item records, which are not actual medical records. One of our Customer Liaison Managers has emailed you with what is missing. They have also reached out on your behalf to the veterinarian hospital that has the needed information. Once received we can process your claim.

Please do not be tricked by this company for bringing you into their company at a reasonable rate, for them to have raised it each year between 15-20% and now in my dog's 6th year with them they raised it 40% over $300 in one year! When I asked why this was happening when my dog barely uses this insurance they stated it is in response to the rest of the dogs in the *********** and their increased needs. The price isn't even determined on MY dog's health background, it's based on the entire state? I'm extremely disappointed in this company and WOULD NOT recommend, especially where my dog now has a "re-existing condition" of allergies, so if we left Healthy Paws she would not be covered elsewhere, so we are stuck with this awful company.

We truly appreciate you being part of the Healthy Paws family and glad we have been able to provide coverage for your claims during that time. We understand that no one likes any form of premium increase. Your premium amount increase is influenced by two primary factors, the increased age of your pet, and the cost of veterinary care services reflected in the claims paid in your specific state. Your premium has gone up because total claim payments to pet parents, among other things, have increased faster than premiums paid by all pet parents in your state. As a result, the premiums for insurance for all pets in your state needs to be increased so that your insurer can continue to provide this type of insurance. Premiums are determined based on the rates and rating rules filed with, and approved by, each states insurance regulator, which reflect the cost of treatment advances in veterinary medicine, and characteristics of the individual pet, in addition to the overall claims experience for the program within the region where the pet resides. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website.

Terrible terrible terrible. I started my policy with healthy paws 10 years. 4th year in I caught them altering documentation about policy increases. I even spoke to the company CEO over this and contact him over linkedin. We had multiple phone calls and eventually they admitted they were at fault and provided me some gift cards as an im sorry. They were worried as I already was reaching out to the **** of insurance in my state. I kept them for several years after that which was my mistake. They are engaging in premium gouging. When I first got my policy it was about 25 a month. 10 years later it went to it went to 186. From year 9 to year 10 it went from 123 a month to 186 a month. They claim it's the cost of doing business in my state. Complete lies. They were sued in the ******************* for this as well. PLEASE LEARN FROM MY MISTAKES! THIS COMPANY IS TRASH. THEY START YOU OUT WITH LOW PREMIUMS AND THEN GRADUALLY INCREASE WITHIN THE FIRST THREE TO FIVE YEARS AND THEN START SKYROCKETING YOUR FROM YEARS 5 TO 10 THEY HOPE THAT THE PREMIUMS GET TOO HIGH AS YOUR DOG AGES SO YOU WOULD CANCEL THE POLICY SO THEY WOULD NOT BE RESPONSIBLE FOR ANY MEDICAL ISSUES YOU'RE OLDER DOG MAY HAVE NOW. AVOID THIS COMPANY AT ALL COST TRASH COMPANY TRASH CUSTOMER SERVICE. AVOID! BETTER OPTIONS AVAILABLE ELSEWHERE.

We truly appreciate you being part of the Healthy Paws family for the past 10 years and glad we have been able to provide coverage for your claims during that time. Your premium amount increase is influenced by two primary factors, the increased age of your pet, and the cost of veterinary care services reflected in the claims paid in your specific state. Your premium has gone up because total claim payments to pet parents, among other things, have increased faster than premiums paid by all pet parents in your state. As a result, the premiums for insurance for all pets in your state needs to be increased so that your insurer can continue to provide this type of insurance. Premiums are determined based on the rates and rating rules filed with, and approved by, each states insurance regulator, which reflect the cost of treatment advances in veterinary medicine, and characteristics of the individual pet, in addition to the overall claims experience for the program within the region where the pet resides. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website.

Signed up for Healthy Paws when my golden doodle was a puppy. The rate increased each year. I used auto charge to pay on my credit card for 6 years. Paid in more than $3,000 over the 6 years and was not even able to use this insurance due to the $500 deductible. I received only one email which was a cancellation notice. Called to inquire and they said I received three emails prior which I never received and a letter to my confirmed address which I never received. They said my credit card on file expired 10 months earlier!Due to the dogs age of 6 years I cannot get new insurance with Healthy Paws. I believe I was scammed. This is how they get rid of dogs that really will be more likely to need this insurance. DO NOT SIGN UP WITH HEALTHY PAWS THEY WILL DO THIS TO YOU!

A Healthy Paws policy is continuous until either canceled by the policyholder or if there is non-payment of premiums. We understand that there are times a policyholder's credit card used on the policy could be lost, compromised by fraud or that there may be a change in bank accounts, expiration date, etc. When an account goes into suspension due to the fact that we are unable to bill the card on file, we make every effort to keep policyholders up to date and informed about the status of their accounts and any upcoming action/changes. Multiple notices were sent via email to the email address a pet parent chooses to use in their account. A Notice of (upcoming) Cancellation (NOC) was sent out via regular post as well to the address used in the clients Healthy Paws account. ******************** Paws meets all compliance requirements regarding this Notice of Cancellation. There is also an automatic grace ****** that is taken into account. However, at a certain point, and at the end of the grace ******, if we do not hear back from the primary account holder (prior to the cancellation effective date) the account must be canceled. In order to be equitable to all enrolled pet parents, we cannot make any exceptions to this, nor to enrollment requirements as that could be considered discriminatory. We're sorry to lose you as a policyholder and hope you and your pet stay well.