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seeh2o

Healthy Paws Massive Rate Increase

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Hey guys another Southern Californian here with Healthy Paws. Searched Google for premium increases and found this forum. I own a couple Dobies and feel your pain when it comes to rate increases. Just like seeh20 I've experienced almost identical rate increases over the last three years. Started out as only 10-15% increases until last week I was notified of a 36% increase going from $165 to $221 for two Dobermanns. I've had many claims for both over the years and am convinced it's because of that on top of overall health-care costs increasing nationwide.

However, their explanations as you've seen on here are less than satisfactory. As I've explained in numerous emails to them I'm just trying to forecast future costs to ensure I have proper coverage for the remainder of their lives. Their ages are only 3 and 5. I actually wanted to insure our other 4 pets, but will avoid doing so until I get further clarification from them. Here's what "Ren" said in his last email when I questioned him on everyone in CA is getting hit with the same increase:

"Every policy owner within California did experience an increase, but the percentages may have varied SLIGHTLY as we also go as specific as the zip code that you and your furry friends reside in. Your rates don't change due to you filing a claim."

 

Sounds like bs to me as I've referred two of my coworkers over the years who live in the same city and same zip. One saw an increase of 13.8% for three dogs (with claims) since Jan 2019 while the other saw an increase of 15% for his two dogs (with claims) since July 2017.  The fact that I'm seeing a 36% increase in the SAME area in CA just doesn't add up. It's one thing to pay astronomically high health insurance for our pets when you know what to expect, but it's another to blindly raise rates and lie saying it's due to the area I live in and not because of the breed/previous claims.  After seeing your posts I sent another email out Today providing them evidence that's contrary to what they've been telling us. I'll share my response if I receive one. 

 

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I am getting my massive rate increase this year. My premium is going up by about $50 a month.  When I asked, they gave me the same “catching up with local rates” spiel and the fact that H is turning 11 this year.  I’ll keep it, because the alternative isn’t better.  We didn’t even meet the deductibles last year for either of them (which is good, from a health stance :) ).  But after having gone through a $16k crisis, I won’t be without health coverage for my dogs again.



Meredith with Heyokha (HUS Me Teddy) and Crow (Mike Milbury). Missing Turbo (Sendahl Boss), Pancho, JoJo, and "Fat Stacks" Juana, the psycho kitty. Canku wakan kin manipi.

"Those who can make you believe absurdities can make you commit atrocities." - Voltaire

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Also, Here4thdogs, Ouch!  I know dobies have more health issues than greys, but ouch! Even with my premium increase, I’m under $200 a month for the two of mine (I think it’s like $180) and they’re 11 and 8.  I’m not in CA, but I’m in the metro DC area, which is just as expensive. Ugh.

Edited by turbotaina


Meredith with Heyokha (HUS Me Teddy) and Crow (Mike Milbury). Missing Turbo (Sendahl Boss), Pancho, JoJo, and "Fat Stacks" Juana, the psycho kitty. Canku wakan kin manipi.

"Those who can make you believe absurdities can make you commit atrocities." - Voltaire

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Danny's jumped up by 25.00 this year.  HealthyPaws.  :(


Wendy and The Whole Wherd. American by birth, Southern by choice.
So many right-winged Christians...so few lions.
"Do not meddle in the affairs of dragons, for you are crunchy and taste good with ketchup!"
****OxyFresh Vendor ID is 180672239.****

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I noticed that the policy 80%/$250 deduct for my 9 yoa Belgian Malinois is $51.42 and

                         the policy for my 4 yoa greyhound 90%/$250 deduct is $59.43.  I think maybe it just cost more to insure a greyhound hound?

Yesterday I signed up a 80%/$250 policy for a 8 week old Belgian Malinois puppy and it was $48.64Same breed, same policies, and only ~$3 difference between a puppy and a 9 yoa.

So I don't have a clue how the rates are calculated. I would be afraid to even try to guess.

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My guess, depending on when you enrolled the 9 year old, is that the rates were lower then, and have increased gradually.   Your new pup has been assigned the current (and therefore higher) base rate. 

I first enrolled dogs with Trupanion in 2009  (Healthy Paws is not available in Canada) and their rates now are much higher than they were then as well.  In fact, looking at what people are paying for HP, even with the increases, it looks cheap to me, and that may be why their rates are climbing so quickly - the revenue pool has not been enough to cover the current cost of care.

As a sidebar, I love, love, love Belgian Malinois <insert envious emoticon here>.

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5 hours ago, Rickiesmom said:

My guess, depending on when you enrolled the 9 year old, is that the rates were lower then, and have increased gradually.   Your new pup has been assigned the current (and therefore higher) base rate. 

I first enrolled dogs with Trupanion in 2009  (Healthy Paws is not available in Canada) and their rates now are much higher than they were then as well.  In fact, looking at what people are paying for HP, even with the increases, it looks cheap to me, and that may be why their rates are climbing so quickly - the revenue pool has not been enough to cover the current cost of care.

As a sidebar, I love, love, love Belgian Malinois <insert envious emoticon here>.

That sounds logical! And yes mals are pretty special too. They are soooo loyal; they'll work until they drop for you and try to hide their true condition so they can! You've got to watch them very closely that they don't work too hard/much. My K9 REBA grins at me sometimes but I haven't been able to get a pic of it. I get the camera on and its gone. I picked up a new SAR puppy over the weekend- meet TURBO :heart

KIMG0107SMALL.jpg

Edited by racindog

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On 1/16/2020 at 11:51 AM, Here4thedogs said:

Hey guys another Southern Californian here with Healthy Paws. Searched Google for premium increases and found this forum. I own a couple Dobies and feel your pain when it comes to rate increases. Just like seeh20 I've experienced almost identical rate increases over the last three years. Started out as only 10-15% increases until last week I was notified of a 36% increase going from $165 to $221 for two Dobermanns. I've had many claims for both over the years and am convinced it's because of that on top of overall health-care costs increasing nationwide.

However, their explanations as you've seen on here are less than satisfactory. As I've explained in numerous emails to them I'm just trying to forecast future costs to ensure I have proper coverage for the remainder of their lives. Their ages are only 3 and 5. I actually wanted to insure our other 4 pets, but will avoid doing so until I get further clarification from them. Here's what "Ren" said in his last email when I questioned him on everyone in CA is getting hit with the same increase:

"Every policy owner within California did experience an increase, but the percentages may have varied SLIGHTLY as we also go as specific as the zip code that you and your furry friends reside in. Your rates don't change due to you filing a claim."

 

Sounds like bs to me as I've referred two of my coworkers over the years who live in the same city and same zip. One saw an increase of 13.8% for three dogs (with claims) since Jan 2019 while the other saw an increase of 15% for his two dogs (with claims) since July 2017.  The fact that I'm seeing a 36% increase in the SAME area in CA just doesn't add up. It's one thing to pay astronomically high health insurance for our pets when you know what to expect, but it's another to blindly raise rates and lie saying it's due to the area I live in and not because of the breed/previous claims.  After seeing your posts I sent another email out Today providing them evidence that's contrary to what they've been telling us. I'll share my response if I receive one. 

 

What do you think of getting Californians who have been hit t with these big - inconsistent - increases and as a group, reporting it to our state insurance commissioner? I know a number of people in my greyhound group and at work who have been hot with huge increases and are not happy about it.


Sunsands Doodles: Doodles aka Claire, Bella Run Softly: Softy aka Bowie (the Diamond Dog)

Missing my beautiful boy Sunsands Carl 2.25.2003 - 4.1.2014

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I'm unfamiliar with the state insurance commission and what authority they have on mitigating rate increases, but let me know how I can assist.

 

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Well!!! I hate to say this but it is time to search yet AGAIN for a decent pet insurance company.    I sent HP the med records on the new pup I signed up and THEY LISTED IT AS A CLAIM!!!!!!!!!!! And I had even sent an email along with it making it VERY clear that I was NOT filing any kind of a claim that I was just complying with their request to provide the records for a new dog prior to making any claim.  I even reminded them that the new dog is not eligible for any claims until Feb 5.  So what did they do? They submitted all the shot, microchip and other charges that we all know is not eligible in the first place and listed it as a claim!!!!!!! And the dog is not even eligible yet for coverage on those charges that were made Feb 1 because he is in the waiting period for new dogs !!!!!!! So clearly they want to make it look like a maximum number of claims are being submitted to justify jacking up the rates even though the dog isn't even eligible for actual coverage yet via the waiting period.  I know they 'say' the # of claims doesn't impact rates but I also know it does. So I sent 3 or 4 more emails to them demanding an explanation for these hi-jinks and got NO REPLY.  So then I went to their FB page and what do I see? Posts from people saying that HP won't contact them; and one saying it had been 30 days and they still had not received their claims check and again no response from HP.  Clearly the new owners are just as terrible as their reputation that preceeded them. Now, where do I go for insurance and one of the dogs is 9 so I'm probably stuck at HP for that one or else if HP isn't going to be honest might be better to cancel all together anyway and risk it on my own. Why pay for coverage if they arn't going to provide it anyway? What a mess. Why do all the good companies get gobbled up and RUINED by the cheap crooked companies?

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Try Prudent Pet. I jumped ship and signed up with them. A friend did it, too, and she just submitted her first claim. Had a very very good interaction with customer service when she had a question. Customer service is not outsourced and the person actually listens to you and responds appropriately, not from reading a script.


Sunsands Doodles: Doodles aka Claire, Bella Run Softly: Softy aka Bowie (the Diamond Dog)

Missing my beautiful boy Sunsands Carl 2.25.2003 - 4.1.2014

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10 hours ago, seeh2o said:

Try Prudent Pet. I jumped ship and signed up with them. A friend did it, too, and she just submitted her first claim. Had a very very good interaction with customer service when she had a question. Customer service is not outsourced and the person actually listens to you and responds appropriately, not from reading a script.

Wow. Thanks!

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10 hours ago, seeh2o said:

Try Prudent Pet. I jumped ship and signed up with them. A friend did it, too, and she just submitted her first claim. Had a very very good interaction with customer service when she had a question. Customer service is not outsourced and the person actually listens to you and responds appropriately, not from reading a script.

I had an estimate done with Prudent Pet and the estimate for 12-year-old Sheba was more than this year's increase from Embrace so I'm sticking with embrace.

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On 2/4/2020 at 9:12 AM, ShebasMom said:

I had an estimate done with Prudent Pet and the estimate for 12-year-old Sheba was more than this year's increase from Embrace so I'm sticking with embrace.

Yikes, good to know.


Sunsands Doodles: Doodles aka Claire, Bella Run Softly: Softy aka Bowie (the Diamond Dog)

Missing my beautiful boy Sunsands Carl 2.25.2003 - 4.1.2014

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Hi everyone

A fellow CA resident here who just received notification from HP that my golden retriever's premium is going form $58 to $72 per month. This was after raising rates by 12% last year. 

I wish I could say I was successful in getting them to change my latest rate hike, but I also just got the generic vet costs going up response. However, I do have one piece of good news:

Healthypaws is now facing a class action lawsuit for abusing rate hikes!

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I'm getting a new young'un in a couple months.  You can bet HP is not getting her. I just don't know which company I'm going with. 

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