Healthy Paws Pet Insurance Review

Susan - We understand no one likes any form of premium increase. All premiums are based on the rates and rating rules filed and approved by each state’s Department of Insurance. All pet insurance companies, no matter how they market their benefits, will raise rates to keep up with the rapidly rising cost of veterinary care, including specialty and emergency care. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website. We’re sorry that your card was compromised. 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 are sent via email, and a Notice of (upcoming) Cancellation is sent out via regular post as well. There is also an automatic grace period that is taken into account. However, at a certain point, and at the end of the grace period, 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, as that could be considered discriminatory. As you stated in your review, insurance regulations prohibit us from re-instating your policy and a new policy would need to be set up. We're sorry to lose you as a policyholder and hope you and your pet stay well.