I have the $250 deductible 80% coverage plan but it is disingenuous to call this a $250 deductible. It is a $300 deductible because only 80% of eligible costs go towards the deductible.
In my insurance policy it says: "DEDUCTIBLE: Your pet’s deductible is shown on the pet schedule of the declarations page. Your pet’s
deductible shall apply once per coverage term. "
My declarations page says: Coinsurance
Example, if I have a $1,000 vet bill that are all eligible costs I would expect to pay $400 (assuming its the first claim of the year). This is made up of a $250 deductible and $150 (($1,000-$250)*.20=$150) and Healthy Paws would reimburse me $600. ((($1,000-$250)*.80=$600)
HOWEVER, Healthy Paws looks at the $1000 bill and ($1,000*80%= $800) because "I am responsible for 20% of all vet bills and healthy paws reimburses 80% of total vet bills". They they take the $250 deductible out of the $800 and I am only reimbursed $550 and not $600. This is truly a $300 deductible.
I was told by a customer service liaison (who was incredibly insulting) that deductibles in pet insurance work differently than deductibles such as in homeowners, car, or health insurance policies.
I pay a good amount of money per month for my policy, I've held it for almost 4 years now. I would expect more from this company.