When I got my puppy, I was weighing the benefits of pet medical insurance or just setting aside an emergency fund. Following a lot of research online, I decided on Healthy Paws due to the great reviews in customer service and the option of an annual deductible (instead of per-incident). Knowing that I have a hyperactive herding breed, I was imagining all the potential ACL surgeries or hip issues that my dog might encounter in his life, so I got him on a plan as soon as possible.
I did not have need for them until March, just one month shy of his first birthday. A dog bite at the park on a Sunday sent him into the emergency vet. He required sedation, surgery, and a lot of medication during the follow-up care. I filed a claim with Healthy Paws, knowing that we will not be reaching the deductible (thank goodness I didn't choose a per-incident policy!) and thought nothing more of it. Just a few weeks later, he started having reverse sneezing fits that persisted for more than a day. Back to the vet we went, and they suggested a nasal scope to make sure nothing is stuck up there. The high quote was more than I was expecting, but since I remembered we were almost at our $500 deductible, I did not hesitate to agree. Luckily, he sounded better the next day so we were sent home with antibiotics... which it turns out he is allergic to. After a short stay with the vet, I filed the claims with Healthy Paws and got a reimbursement check in the mail just a week later.
Their claims pro