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Healthy Paws Pet Insurance Class Action

Healthy Paws Pet Insurance Class Action

The Law Office of Stan M. Doerrer, working with co-counsel, recently filed a class action Complaint relating to Healthy Paws Pet Insurance. The lawsuit alleges that Healthy Paws breached its contract with insurers by taking pets’ ages into account in increasing premiums.

Healthy Paws’ uniform contract states: “Monthly premiums may change for all policyholders to reflect changes in the costs of veterinary medicine.” In spite of this language, the suit alleges that Healthy Paws’ increased premiums yearly based on factors other than the costs of veterinary medicine, including the age of the pet.

As policyholders’ pets got older– monthly premiums increased significantly more than the costs of veterinary medicine. According to the Nationwide Purdue Veterinary Price Index, 2019 update: “Overall, veterinary pricing during the last four years, inclusive (end of 2014 to the end of 2018), has increased by 21.1 percent….” During that same period, the “Plaintiff’s premiums increased from $33.62 to $55.61, a whopping 65.4%. And in the two years’ since, Plaintiff’s premiums have increased from $55.61 to $104.50, an additional 87%”

The State of Washington’s Officer of the Insurance Commissioner recently fined both Healthy Paws and its underwriters (ACE American Insurance Company and Indemnity) for numerous violations, including impermissibly taking into account a pet’s age when calculating premiums. In a consent order, the Commissioner identified the following area of concern, “Allowing Healthy Paws’ producer to increase the pet age factor [in calculating monthly premiums] contrary to policy language indicating the factor would remain constant.”

Plaintiff seeks to represent a nationwide class for claims, including breach of contract, and a California statewide class for violations of California’s Unfair Competition Law. If you are a Healthy Paws policyholder and would like more information, please contact this law firm to discuss your rights.

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7 Recent Comments

  • John ott

    I have two dogs with Healthy Paws and was concerned with the rate increase. Count me in

  • Jen G

    I’ve had my dog insured with Healthy Paws for 10 years now, and the first few years the increases were small, but this year the increase is almost $50/month. Overall I’m paying almost 4 times more than my initial monthly premium, and my deductible also increased last year (without them notifying me in advance). It seems that many people experienced an unreasonable rate increase this year.

  • G.

    I have been a client of Healthy Paws for several years. I adopted a rescue dog who, unbeknownst to me, has a myriad of health issues. While I appreciate Healthy Paws, I feel that I am being penalized for her medical condition as evidenced by the recent inordinate increase in the premium cost. Furthermore, I received no notification of this increase.

  • Tim Anderson

    I’ve been a Healthy Paws policyholder for nearly 10 years. I, too, noticed a drastic increase in premiums last year – jumping from $70’ish all the way to $107+. I don’t see how any insurer can justify that large of an increase – especially since I have not filed a claim in years.

    I called Healthy Paws and, to my surprise, they acknowledged the pet’s age is now suddenly being taken into account for insurance rates. I was even more surprised they acknowledged they literally state that age would not be taken into account in some places, like their website, but since it was not listed in the contract, they’re not legally obligated to stand behind that statement.

    I’m not sure about the latter (what was listed in the contract), so will need to dig for that. But, given I work in advertising, I know how much of an issue it is if a company makes a claim online and doesn’t fulfill that promise. Their response left me dumbfounded, to be honest. It’s just not right. It’s false and misleading advertising at the very least, but seems like an obvious and glaring breach of contract to me.

  • Ellen Winser

    I’ve had healthy paws now for 6 yrs. 2 yrs ago my premium went up 50%. Now I’m getting another increase of 35% . My rate doubled in 2 yrs. Unbelievable. My dog is 6 yrs old. If I can be part of this class action please let me know. Ty

  • Shiva

    My dog has been insured with Healthy paws for 8 years now since he was 1yrs old and my insurance went up 70% last year and now 78% for this year. This is ridiculous and not right. I cant even change his insurance because he has pre- exisiting condition.

  • Melissa Mardarie

    I’m currently enrolled with Healthy Paws and have seen a ridiculous increase in premium over the years. Below is a breakdown of what I’ve paid since June 2015. My Labrador was born March 2014. I have 90% coverage with $100 deductible.

    2015: $50/month
    2016: $55/month
    2017: $61.23.month
    2018: $76.98/month
    2019: $97.45/month
    2020: $146.17/month

    This last increase (June 2020) is the last straw. I’m looking into other options bc I can’t even imagine what next year’s increase will be!

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