WHAT A FRAUD! We signed our rescue puppy up a few months after we got him, just in case, and are currently in the process of being scammed by this company. He was always our accident prone pup, with access to woods, so we wanted to make sure he was covered if anything ever happened. A few months before we even signed him up he had gotten in to something in the woods that made him very sick and had to be rushed to the emergency vet for fluids. Thus the reason for the insurance sign up in July. In early September or puppy wad diagnosed with epilepsy and I remember feeling this huge sense of relief having this insurance.....even lucky that we had signed him up and he was past the activation date before his diagnosis. The first claim I submitted was for his visit to the specialist which was denied because they do not cover office visits.....fine. The second, and last claim, I submitted was for his medication which I knew was supposed to be covered. Once this claim was submitted and I provided his medical records, they proceded to use any vet visit he ever had as evidence of his epilepsy, even the instance in which it is clearly noted by our vet that he got into something poisonous. When contacting the company all they had were drones answering the phones that just kept repeating "well, our policy..." but could not answer how he can have a pre existing condition when he wasn't diagnosed with any condition until September? Or why we would go through a rigorous and expensive testing if they already knew what it was? If the doctor didn't know what it was and had to refer us to a specialist, what makes the employees at healthy paws more qualified? The best part is that they denied refunding me in full because I had submitted claims....THAT WERE BOTH DENIED! If we weren't saddled with the cost of treating our epileptic dog, I would seriously consider seeking legal counsel to go over the policy and actions taken by healthy paws because there is something seriously wrong here and now that we have a diagnosis from the neurologist, he will never be eligible for insurance again. Thanks for screwing us in the short and long term healthy paws!