Out of 10

I worked so hard researching insurance companies, it came down to healthy paws and another similar one. My tip for you, 15 day waiting period, actually means 16 - one day to process the sign up, then 12:01 the next day + 15 days wait period...I did not see this clearly stated anywhere that I could fine, however they tell me it is (I signed up on web not on phone). So when I made an appointment for my puppy's vaccine I did the calculation 2 weeks + 1 day. There was nothing wrong, just a well visit, so might as well walk into the vet during coverage period rather than uninsured. Well unfortunately it was major, my poor pup had a severe reaction and needed emergency medical care of $200 (thank goodness he is fine), I was grateful I had waited the 15 days. After submitting the claim I was told how the first day sign up does not count and it actually began the following day and I am not covered. I think the part that annoys me most though...they had no problem billing me on sign up day and no problem billing me that day each month, but yet it doesn't count toward the wait period. I am sure they will cover things in the future, but just be better informed than I was, it could save you a bit of money.

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allergic reaction
Claim Amount
$100 - $500

Mixed Breed

Age of Pet
Under a year

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Posted: 05/07/2014

All the male comments on here are ridiculous!!! The company should say EXACTLY what their policy is and nothing else! Boohoo for your friend Chris! That's got nothing to do with what this review is about. Even if most of her claim would've been eaten up by the deductible, that means the bill would be covered on her next visit instead of her having to pay the full price for 2 visits. And you're wrong, insurance isn't only for MAJOR problems. To call her cheap and petty is ignorant of you!!!! She's paying for the insurance because she wants her vet bills covered not because she wants to donate money to Healthy Paws!

Posted: 06/11/2013

Really Paul a 30 day waiting period...... That's just stupid!?! If I'm paying for insurance I want it to start as soon as possible, Customers want to get their money's worth, I'm with her on this. That is frustrating but thanks for informing other potential buyers so we don't get burned like you did.

Posted: 09/30/2013

Not sure why you complained about vaccines not being covered. Pretty sure that routine preventive care, which would include vaccines isn't covered.

Posted: 03/18/2013

It sounds like you didnt understand the waiting period but yet you gave them almost the lowest rating possible. You even stated you are sure they will cover things in the future.
I just dont think your rating was fair at all.
PS. Fyi, My personal opinion is they should have a 30 day waiting period for everyone instead of the current 15.

Posted: 03/25/2013

This same thing happens when you deposit a check at a bank and it needs to clear. if depoisited after 3 pm, it is now on the next days banking cycle just like if you signe dup for pet insurance on March 1st at 8 pm. of course it wont start that day

Posted: 09/02/2013

Not for nothing but what the heck would you get back for a $200 visit. Between the deductible and them not covering the examination you weren't going to see a reimbursement anyway. How cheap are you to rate them poorly for such a petty reason. Insurance is for when your dog has a MAJOR issue like surgery or hospitalization, in which case you'd be kissing the adjusters feet for sending you money. Who complains about $200. My friend had his dog eat a T-shirt and it cost him $4500. He WISHES he had insurance. Your ridiculous.

Posted: 04/12/2017

OMG! Outrageous. I wanted to get my dog a battery of tests... When signing up for HEALTHY PAWS nowhere did it state their 15 day wait period. When calling to check on that, I was told it is "clear in the FAQ"-- huh? Is the FAQ where a policy start date should be? Did it ask me if I read and accepted the FAQ? In fact, what is really awful is that the 'policy start date' that was on my confirmation page (post sign up) was the day after I signed up. Additionally, the confirmation email said NOTHING about 15 days wait period and actually said "POLICY START DATE" as the same one day post registering. This is a CLEAR example of a company not disclosing the fine print and they are doing nothing to fix it. I was so optimistic when purchasing the insurance sadly it just left a bad taste in my mouth!