Last February one of my dogs presented very alarming symptoms and was diagnosed with cancer. A month later she was dead and I still had medical bills to pay while dealing with the loss of one of my companions. I also had a healthy 7 year old Japanese Chin, but decided I wanted the piece of mind that comes with an insurance policy. It was difficult finding the right policy for a senior dog, and some companies wouldn't even offer a quote. I will start by saying Healthy Paws was NOT the cheapest quote, but that they answered all of my questions. When I called to speak with a real person, I was on hold for under 3 minutes each time. I scheduled the yearly vet visit for my dog in March 2013 and sent the findings and notes of that visit to H.P. and enrolled my dog with $250 ded/90% coinsurance.
In August, my dog started coughing aggressively and I took her to the vet. She was prescribed antibiotics, cough suppressants and I was told she had a collapsing trachea (common in older snout-free dogs). I sent the bill and notes to Healthy Paws to go towards the deductible. I was already aware that the office visit is not included, and my responsibility to pay as the owner. I received an email stating they needed my dog's medical notes going back to when I adopted her at 8 weeks old. A series of calls and emails to the various offices she had seen in her life took around 30 minutes of my time, and then I sent all my documents to H.P. The next day my claim was processed and