I've had them for over 5 years now and they've paid out about $20,000 in claims for my dog.
My old Great Dane-Rottweiler mix is...danger prone. He just seems to develop issues. They've paid to fix tears, gastro issues, ultra sounds to explore his sudden neurological issues, physical therapy, all kinds of stuff.
A few nights ago he starts panting, dry heaving, looking uncomfortable. Yep, bloat. Since then we've had emergency surgery to fix the bloat, then a gastroplexy to staple the tummy down to prevent it happening again, then while we are in oops remove the spleen. Then he got a post surgery infection.
So $2,700 for the 1st surgery, Another $4,500 for the 2nd round. $1,400 for the emergency infection. And now he's back in today for another who $1,000+ followup ultrasound to see if it was the surgery that got infected or just a routine bladder thing.
Do you have an extra $10,000 just sitting there handy to spend on your sweet old dog? I got Healthy Paws when the economy tanked and I lost my job because I didn't want to have to make a scary decision. I researched the heck out of insurance. Now I'll never have a pet without them.
The other thing I like is they are actually human - none of that faux customer service with canned responses. You actually get people sending you real emails. It's nice.
Once I hadn't cashed the checks and they reached out to me to find out why and reissued them. How cool is that?
I tell every pet owner I know. Even my vet now tells everyone because they've seen the other insurances deny so many things.
The website is well designed too.