Extremely Disappointed

Out of 10

After searching long and hard for vet insurance, and reading more reviews than a can remember, I decided to go with healthy paws. I am extremely disappointed. I enrolled both of my dogs (F pitbull, Dutch and M pittbull mix, Duke) for coverage. I have never filed a claim with them until recently. My dog dutch ruptered her cruciate ligament. After paying 2,100.00 for surgery I decided pet insurance was a good idea. So when choosing healthy paws I read to make sure that it would be covered if she were to need any other surgeries or if her other knee needed surgery. According to their website it would not be considered a "pre-existing" condition because it was not genetic, but just an injury that occurs. Well when trying to get pre-approved, luckily I had not completed the surgery yet, they denied me. Now I have wasted money on this insurance which I could have been putting into a savings account. In my opinion, pet health insurance is a waste.

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Torn cruciate
Claim Amount
Over $1000

Pit Bull

Age of Pet
1 - 8

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Posted: 09/14/2016

Absolutely agree with the owner here. Unfortunately, it is not made clear when you sign up with Healthy Paws that most things that an owner would reasonably considered covered (basic prevention, exams) are not actually covered.
Since their agents can use deceptive and dishonest language to say that you could have read the policy in full, vs. a reasonable expectation of coverage, it makes it hard for a normal customer to be able to get coverage.

This company does not provide real insurance (of normal, expected coverage), they are just a premium collection agency.

Posted: 08/23/2011

Unfortunately, Dutch had cruciate ligament surgery on her right knee before Ian had enrolled with us, which made any cruciate ligament injury to the other leg a pre-existing condition. Cruciate ligament problems are the only bilateral exclusion on our policy, unlike many other pet insurance companies that exclude most bilateral conditions (a condition that can occur on both sides of the body).
We really do struggle when we cannot cover a condition due to a pre-existing condition. The only reasons why we deny coverage is due to pre-existing conditions, which are clinical signs or symptoms that occur before enrollment and conditions that occur within the 15-day waiting period.

When we learned that Ian signed up with the intent of having us cover the cost of a future cruciate ligament surgery on the other leg, we refunded 100% of Dutch’s premiums so that he could apply it towards her surgery. We had sent a refund before Ian had posted this review. We wish Dutch luck for a speedy recovery!

Posted: 09/07/2011

I believe this coverage is typical of almost all insurance companies plus it was a given that if the dog had surgery prior to the other knee usually goes a year later at least thats what my vet told me and what happened to my own dog so it was something he should have expected.

Posted: 12/08/2011

My heart goes out to the pet owner, but a rating of "1" does not seem fair. I am a policy holder with Healthy Paws. They are very clear about their pre-existing condition exclusion, and they indicated that they refunded the owner's premium here whereas this review indicated that they "wasted money" on premiums paid.

Posted: 12/09/2011

My heart goes out to the customer with the pit bull - it is an unfortunate situation. However, as a Healthy Paws policyholder for two cats, I believe the company is very up front about their pre-existing policy exclusions - I have read the policy language closely. I believe the rating of "1" is harsh considering that the company reimbursed the policy premium and part of the negative review was that the customer "wasted money." Also, the owner, Rob answers policy questions within a business day - and I asked several questions before joining to make sure I wouldn't have any surprises for our cats if they needed care.

Posted: 01/19/2012

Some people are never happy, no matter what. The "fine print" is very clear and Healthy Paws is always happy to answer any questions you may have. There is no need to retaliate with a poor rating just because things didn't work out in your favor, especially considering how little effort you made to clearly understand their policies.