I have two cavalier king charles spaniels. If you are not familiar with the breed, there are several specific health concerns that are associated with them. Because I wanted to make sure that my animals were able to receive the best care possible, I decided to invest in pet insurance for them. I did extensive research on all of the companies, and ultimately ended up with Healthy Paws Pet Insurance for several reasons:
1. No Anual cap on claims: this was very important to check, as with your premiums, some companies have caps at around 1,500.00 a year. This made no sense to me, given the comparison of premiums and the coverage.healthy paws has no annual cap, the only company I could find that offered no cap.
2. Pre-existing condition coverage: again, this was a fine print obsession for me. My older cavalier had a luxating platella in his right knee prior to obtaining coverage. This is very common, so I wanted to make sure that any insurance company I went with would cover a similar injury to the other leg. In the context of pet insurance, this is apparently referred to as a "bilateral condition". Healthy Paws was the ONLY insurance company who had very minor restrictions on Bilateral pre-existing conditions, only ACL injuries, which seemed very univesal to all companies.
3.Reimbursement values: this was the best around, I ended up selecting the 90% reimbursement, with a slightly higher premium.
4. Adjustable premiums: this allowed a lot of freedom in deciding h
Cavalier King Charles Spaniel