15000 $ bills - paid ZERO

Out of 10

Our beloved Lab puppy had a Coccidia infection which caused an intussusception. That was in the waiting period so they didn't pay anything for treatment - that's ok.After that, she needed two more surgeries and a lot of medication due to 2 intussusceptions (in other parts of her intestant, and not connected to Coccidia).
They declined to pay anything because they say it's all related to the Coccidia infection and so in the waiting period and so - Zero. We asked them for a review what they did through their "third-part vet". This vet stated the same, which we knew before as these vets are biased (they are paid by the insurance company). We offered a review by a "real" third-party vet at our expense which they declined.
They are extremly customer-unfriendly (not responding to emails, not providing details, and so on). They never wanted to pay anything right from the beginning.
We are almost broke now. The worst insurance company I ever had to deal with (and I work in the insurance business, btw). Sad but true.

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Claim Amount
Over $1000

Labrador Retriever

Age of Pet
Under a year

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Posted: 12/11/2016

It is always difficult for us to deny a claim for one of our pet parents. We would like to provide a more detailed response to your review, but we could not find your account in our system using the information you provided, so we’ll reply to your issues the best we can.
We use a pet's medical records and notes written by the attending veterinarian to determine if there are any pre-existing conditions which would keep us from approving a claim. As you stated in your review, your pet’s illness stared during the policy’s fifteen day waiting period. Since the signs and symptoms of your pet’s illness were present during the waiting period, we were unable to provide coverage for that illness.

In regards to our appeals process, the third party veterinarians are not employed by Healthy Paws. We only provide the veterinarian your pet’s complete medical records and ask them to make their own unbiased determination on whether coverage should be provided. Since these veterinarians are working outside of their normal business, it is only fair to pay them for their professional opinion. Per your policy, the independent third party veterinarian's decision is final and binding on all parties.

At Healthy Paws, we take strive to offer our pet parents superior customer service. We make every effort to answer all phone calls, voicemail messages and emails on a timely basis. We’re sorry if your customer service experience did not meet your expectations during your pet’s illness.

The Healthy Paws Team

Posted: 12/25/2016

My state job doesnt pay that so a good pet insurance would be benificial to me with costs. I have been paying for vet care out of pocket and i have been taken by some vet clinics that talk procedures & money instead of genuine care of animals and that makes me Damn Madd! I found a good vet that genuinley cares for pets & i could use insurance help as costs sometimes mount up quick.