I have been a long time member of GRF and have often seen requests from other members asking for recommendations for pet insurance. This has been our experience with Healthy Paws. Initially we had no problems with the company. Our premiums were automatically billed to our credit card and paid monthly. We begin to see exorbitant premiums increases about four years ago (now over $90 per dog, per month). Then one of our dogs was diagnosed with epilepsy. It was then we began to experience problems with repeated demands for veterinary records before the claim would be paid. Our veterinary clinic and ourselves would repeatedly send records (sometimes as many as six times) using the email address and Fax number that Healthy Paws gave us to send records to. They would deny having received records. Eventually the claim would be paid. Recently one of our golden retrievers was diagnosed with cancer and had two mast cell tumors removed. Healthy Paws began the nonsense with record requests again immediately upon our filing a claim. Our veterinary clinics have sent all complete records, dating to the day we got the dog, 15 times. We, personally, have sent them six times. This appears to be a common issue with Healthy Paws and numerous instances of this have been reported to the Washington State Better Business Bureau (the state where Healthy Paws is located). You can view these at
Healthy Paws Pet Insurance LLC | Complaints | Better Business Bureau® Profile
In addition Healthy Paws has a history of cancelling policies when large claims are filed. They have done this to us as well. "Suspending" our insurance for non payment even though our credit card attempted to submit payment on at least five different occasions between March 28 and April 10. Healthy Paws refused to accept payment on all occasions and it is documented by the credit card company that their attempts to make payment had been rejected by Healthy Paws. It's rather interesting that this would occur as they have accepted monthly payments from the same credit card company using the same card for the past seven years.
We have turned this situation over to the Minnesota Department of Commerce (which has the ability to license, regulate and discipline insurance carriers in our state) as well as the Minnesota Office of the Attorney General.
Given the behavior of Healthy Paws and the fact that there are now quite a few companies which provide pet insurance in the United States I would strongly urge members to avoid Healthy Paws. You will pay exorbitant premiums and may well discover that when you file a claim it will be denied. Buyer beware.
For those who have experienced problems with this particular pet insurance company I would encourage you to file complaints with the government agency which regulates insurance companies in your state. Healthy Paws appears to have lengthy history of this sort of behavior.
Healthy Paws Pet Insurance LLC | Complaints | Better Business Bureau® Profile
In addition Healthy Paws has a history of cancelling policies when large claims are filed. They have done this to us as well. "Suspending" our insurance for non payment even though our credit card attempted to submit payment on at least five different occasions between March 28 and April 10. Healthy Paws refused to accept payment on all occasions and it is documented by the credit card company that their attempts to make payment had been rejected by Healthy Paws. It's rather interesting that this would occur as they have accepted monthly payments from the same credit card company using the same card for the past seven years.
We have turned this situation over to the Minnesota Department of Commerce (which has the ability to license, regulate and discipline insurance carriers in our state) as well as the Minnesota Office of the Attorney General.
Given the behavior of Healthy Paws and the fact that there are now quite a few companies which provide pet insurance in the United States I would strongly urge members to avoid Healthy Paws. You will pay exorbitant premiums and may well discover that when you file a claim it will be denied. Buyer beware.
For those who have experienced problems with this particular pet insurance company I would encourage you to file complaints with the government agency which regulates insurance companies in your state. Healthy Paws appears to have lengthy history of this sort of behavior.
