How to Cancel Healthy Paws Pet Insurance in 2026 — Switch Without Losing Coverage

Last updated: February 2026 • Difficulty: Easy

⚠️ Important: Healthy Paws is consistently rated one of the best pet insurers — no payout caps, 70-90% reimbursement, fast claims. Before canceling, make sure you're not giving up a good thing. The main complaints are premium increases as pets age (20-30% annual hikes for senior pets), which all pet insurers do.

When to Cancel vs When to Keep

Keep if: Your pet has chronic conditions, is a high-risk breed, or premiums are still affordable
Switch if: You found a cheaper insurer for equivalent coverage (get new policy FIRST)
Cancel if: Your pet is elderly with no history of claims and premiums exceed expected use
Self-insure if: You can commit to saving $100+/month in a dedicated pet emergency fund

How to Cancel

Log in to healthypawspetinsurance.com
Go to My Account → Policy Details
Click Cancel Policy
Or call 1-855-898-8991 (Mon-Fri 6am-5pm PT)
Or email support@healthypaws.com with your policy number
Cancellation takes effect at end of current billing period
File any pending claims BEFORE canceling — you can't submit after cancellation

💡 Get new policy first: If you're switching insurers, start the new policy and complete the waiting period (14-30 days) before canceling Healthy Paws. This ensures no coverage gap.

Healthy Paws Premium Breakdown

Young dog (1-3 years): $25-50/month depending on breed
Adult dog (4-7 years): $40-80/month
Senior dog (8+ years): $70-150+/month — this is where most cancellations happen
Annual increases: 10-30% per year as pet ages
No caps: Unlike most insurers, Healthy Paws has no annual or lifetime payout limits

Alternatives

Trupanion: Similar no-cap policy, direct vet payment feature (no out-of-pocket then wait for reimbursement)
Lemonade Pet: Cheaper premiums ($15-40/month) but has annual caps
Fetch: Covers dental illness and exam fees (Healthy Paws doesn't cover exam fees)
Embrace: Wellness plan add-on + diminishing deductible — good for preventive care
Self-insurance: $100/month in a HYSA — builds $6,000 in 5 years with interest

The Senior Pet Calculation

If your 10-year-old dog costs $120/month to insure (common for large breeds), that's $1,440/year. Average remaining vet costs for a senior dog: $2,000-5,000/year. One emergency surgery ($4,000-8,000) makes insurance worth it. But if your pet is healthy at 10+, you're gambling on whether one big event happens. There's no right answer — just make it an informed decision, not a default one.

🔍 Find All Your Insurance Subscriptions

Upload your bank statement to JustCancel and we'll find every recurring charge — insurance, pet services, streaming, and more.

Scan Your Statement — $5 One-Time

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Quick Cancel Guide: Healthy Paws

Direct cancel link + step-by-step instructions