Healthy Paws Pet Insurance (www.healthypawspetinsurance.com) has a 4.2 out of 5 rating on OK.one, based on 62 user reviews collected here. It is listed under Public & Local Services and its reputation is good. 77% of reviews are 4 stars or higher and 19% are 1 star; The business has replied to 42% of negative reviews. Last updated 2026-08-10.
When we signed Cooper up for Healthy Paws, we truly hoped we'd never have to use it. Pet insurance felt like one of those things you buy hoping it just sits in the background forever.
I'd heard so many horror stories about claims being denied, endless paperwork, and pet insurance becoming a second full-time job when families were already dealing with the hardest moments.
Then our world was turned upside down. Our sweet Cooper, who had always been healthy, was diagnosed with lymphoma. Suddenly we weren't just navigating a cancer diagnosis, we were trying to make the best decisions for him without letting finances dictate his care.
I can't express how grateful we are that we chose Healthy Paws. Their claims process has been incredibly fast, straightforward, and stress-free. The direct payment option has been a game changer, allowing us to focus on what truly matters: spending precious time with Cooper and giving him the best possible chance to fight this disease.
No pet parent ever wants to be in this position, but if you are considering pet insurance, I can't recommend Healthy Paws enough. They delivered exactly what we hoped for when we needed them most, and for that, we'll always be thankfu
Healthy Paws was very responsive in handling my claims during Griffins illness
I would definitely recommend them to my friends
Barbara Downing
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Warren美国 · 59 reviews · Experienced 2026-07-31 ·
★★★★★
Adverse changes at Healthy Paws
Healthy Paws isn't the company it used to be. I can't help but wonder whether Healthy Paws' acquisition by Chubb contributed to their decline, or some other factor(s) led to Healthy Paws decline. What I know is that the Healthy Paws of today is not the Healthy Paws of yesteryear, as recently as 3 years ago.
If you're shopping for pet insurance, I encourage you to compare options with other insurance companies, before choosing Healthy Paws.
One of the first changes I noticed at Healthy Paws, since Chub’s acquisition of Healthy Paws, was the replacement or significant reduction of its U.S.-based customer service centers and personnel, with an offshore call center. In my experience, the quality of customer service declined dramatically, since the advent of the off-shore call centers. It was much more difficult to get knowledgeable, efficient assistance, whether by phone or email, with the advent of the off-shore Healthy Paws call center in the Filipines, then it was when Healthy Paws customer service phone lines were answered in the USA.
What makes matters even worse is that, after years of loyalty, Healthy Paws is asking customers, today, to pay more while receiving less. Our annual deductible increased from $250 to $500, and our reimbursement rate dropped from 80% to 70%. That means we're paying higher premiums while assuming significantly more of the financial burden for our pet's care. That's a substantial reduction in the value of the coverage.
Our family has been with Healthy Paws for more than 20 years. When our dog's policy comes up for renewal, we will be leaving Healthy Paws, and going to Pumpkin, for dog insurance. Fortunately, our dogs have no pre-existing conditions, which gives us the flexibility to shop elsewhere. After comparing other insurers, I found policies that offer better value along with stronger customer reviews; we, today, selected Pumpkin, for dog insurance.
It's disappointing to leave a company we trusted for so many years, but Healthy Paws no longer offers the level of service or value that originally earned our business.
How does this make sense? This is from our Healthy Paws Renewal Notice:
Your pet's coinsurance (your share) increased from 20% to 30%;
Your pet's reimbursement level (our share) decreased from 80% to 70%;
Your pet's deductible increased from $250.00 to $500.00;
Your pet's premium increased from $162.55 to $183.40
Goodbye, Healthy Paws. It may not be halloween, but, we’re going to Pumpkin (who has fantastic consumer reviews on TrustPilot, and is held in high regard by our animal hospital).
Healthy Paws was prompt and caring. The claim for Archie’s surgery was settled expeditiously and in full allowing us to concentrate on Archie’s recovery. We are very grateful
My dog had an aggressive form of cancer. I would not have been able to afford his treatment without pet insurance. I've had healthy paws for almost 12 years. Their claim process is very easy and they're reimbursement turn around is very quick. My dog wouldn't be alive without their services.
Healthy Paws is amazing! My dog recently underwent a major and very costly surgery, and the entire experience was incredibly daunting and scary. During such a stressful time, the last thing I wanted to worry about was the financial burden. The claim submission and reimbursement process was completely seamless. The claim was processed quickly, communication was excellent, and reimbursement was issued promptly with no hassle. Having pet insurance through Healthy Paws gave me peace of mind and allowed me to focus on my dog's recovery instead of stressing over unexpected veterinary bills. I highly recommend Healthy Paws to any pet owner. Their customer service is compassionate, the claims process is simple and efficient, and they truly come through when you need them most. Knowing that they stand behind their coverage makes all the difference during an emergency.
I
Ian Duncan美国 · 1 review · Experienced 2026-08-03 ·
★★★★★
I WOULD GIVE ZERO STARS IF I COULD
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.
My dog now has severe gum disease and needs multiple teeth extracted. A couple of years ago, Healthy Paws specifically told me that while they didn't cover dental cleanings, they did cover extractions. Now, after years of paying premiums, they have apparently “tightened the language” and told me extractions are only covered if the tooth was injured in an accident — such as being hit by a car or getting hurt in a dog fight.
My dog has a serious disease, and they won't cover the treatment. And their standard answer when you call about coverage is essentially: Go ahead and spend thousands of dollars, submit the claim afterward, and we'll tell you if we feel like covering it.
That isn't insurance.
I have been a loyal customer for many years. I have paid them thousands of dollars in premiums. And now that my dog actually needs significant medical care, they have found another way to avoid paying.
I will NEVER insure another pet with Healthy Paws, and I strongly urge everyone else to stay away.
Absolutely disgraceful. Avoid this company at all costs.
Healthy Paws has been great. Submitting claims is easy, they process our claims quickly, and they've approved our claims per the policy without any issue. We've been their customer for almost a decade and very much recommend them.
R
Richard R. 美国 · 3 reviews · Verified · Experienced 2026-07-30 ·
★★★★★
Great company very transparent and easy…
Great company very transparent and easy to use app. Payments are very quick on claims.
I normally don’t leave reviews, but Healthy Paws has been fantastic. I highly recommend them to anybody looking for pet insurance. They have covered everything for my dogs from cancer to hip. I’ve been using Healthy Paws for nine years and have never had an issue whatsoever.
Your company is one of the easiest to work with. Filing claims is simple and hassle-free, and your turnaround time is outstanding. Claim payments are processed quickly, making it unnecessary to carry the veterinary charges for an extended period. I truly appreciate the efficiency and excellent service you provide.
D
Deborah美国 · 3 reviews · Experienced 2026-07-29 ·
★★★★★
Unreasonable
After being with Healthy Paws for over 10 years I just got a 27% rate increase from $465 per month to $629 per month!
Their coverage has always been thin but in addition to the rate increase they cut benefits.
They don't cover if your dog is sick and you need to take them to the VET! I have been referring them for years, but no more!
My 8 year old golden retriever Lola had GI bleeding that required hospitalization and a lot of medication. It was expensive but without the urgent care, she likely would have had a perforated intestine with a poor prognosis. Fortunately, the care she received was excellent and as always Healthy Paws covered everything that was agreed to per our plan and made the process very easy during a difficult time. A few weeks later, Lola is back to her old self, just finished a 7 mile mountain hike and we have already received the funds from Healthy Paws in our bank account. We tell every pet owner we know that Healthy Paws is the BEST and to please insure their furbabies with them! Thank you once again, Healthy Paws!!! You all are amazing.
I was nervous when I got a $9600 vet bill for my dog who ate two corn on the cobs. I paid the bill and when I submitted the invoice within 24 hours, it was already approved and a check was sent to me within three days. I’m very happy with my experience with Healthy Paws.
I've been with Healthy Paws for 11+ years. For the majority of the time, the rates were fair and just. Overtime (not unexpected) my rates increased year after year. Again, not unexpected as my dog got older and inflation rises. However, not long ago they changed my policy from the original $200 deductible and 90% reimbursement to a $500 deductible and a 70% reimbursement. So basically charging me even more in addition to the yearly rate increases. They did this without notification, although I guess that wouldn't have made a difference. Over the years, they were quick to review my claim and send a direct deposit based on my invoices. All of those claims were for small amounts, the vast majority under $500. This year my dog had major surgery that cost in excess of $15,000. I submitted that claim and after a few days I was told that there was an "error" in the invoice. So, I contacted the animal hospital and had them send a new invoice. I submitted that invoice and was again told there was an "error". So, I called customer service to discuss the issue. I was on hold for at least an hour trying to get through to determine what exactly the issue was. The worst part of all of this is during the period where my dog had a rough recovery from the surgery. My guess is that if a claim reaches a certain dollar figure they give you the run around in hopes that you'll get frustrated and/or drag your feet so the claim doesn't get paid out. Very frustrating dealing with the customer service agents who were fairly clueless. Needless to say I'm very disappointed in this most recent transaction.
So far after our amazing dog, had a car accident the Healthy Paws insurance app and process has been very straightforward. Easy to use efficient and well done. We still have more veterinary care associated with this claim coming up so I’m hopeful they will be as helpful with the future part of this claim but so far they’ve been great.
