A lot of reviews of Healthy Paws claim the insurer is one of the cheapest around, and that is true in many cases. Insuring an older pet will be more expensive if you’ve insured them while they were just a cub. But the price you pay per month doesn’t change as your pet grows older. Unless you make changes to your pet’s policy, like reducing the deductible, you shouldn’t be seeing any increase to your monthly bill.