A couple years ago, my husband and I decided to get pet insurance for our dogs because, having no kids of our own, our dogs are our family and we want to ensure we are always able to give them the care they deserve. We never want to have to make a decision to put them to sleep because we can't afford care. So, I started doinn research.
I admit, I was a bit disheartened at what I saw at first. Most insurance companies won't cover some types of illness or injury that are "typical" of a breed... such as hip dysplasia in large breeds. Having a German Shepherd, this was a let down. Or their definition of a "pre-existing condition" is anything they had before the start of the CURRENT policy.. meaning, from year to year, you have a new policy and anything your dog had the previous year (even while being insured) has now become a pre-exiting condition. This too was frustrating.
And then I found Healthy Paws Pet Insurance. What they offer is so good that I found myself reading through the policy multiple times because it seemed too good to be true! First, they cover hip dysplasia if it occurs. Second, after only a $250 they will cover 90% of the cost! And they even let you send in your smaller bills throughout the year and keep track of how much your deductible you have used. So you don't have to have one big expensive vet bill before you can use it.
But best of all, for our first claim, we had a check from them in less than a week of submitting the claim! All it took was a s