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Wondeful Company!
Seven years ago when I got my first dog, my cousin advised me to look into pet insurance. I was not sure at the time, but it was the best decision I made. Through research, I found Healthy Paws, and I decided to give them a try since they seem to have great coverage. For the first few years, we did not need to use the policy. However, in 2018, when my dog was about three, our dog had multiple indolent eye ulcers, and he couldn't open his eye. I can credit Healthy Paws for helping me save my dogs eyes. After several costly procedures and many specialist visits, my dogs eyes were healed. They paid all claims in accordance with the contract. Also, it is very easy to submitt a claim by app or online, and the claims are usually paid within a few days. I recently got another puppy, and I looked at insurance policies again. Although, Healthy Paws premiums were a little more expensive a month, I decided to go with them due to their great coverage. My puppy just tured one, and needed surgery on his nares and soft palate to breath better. I was pleasently suprised when Healthy Paws approved the claim a few days later, and even wrote me a persoanl get well message. Based on my current experience with Healthy Paws, I will be a customer for life.
Insurer: Healthy Paws
By: Lindsay Mc Ewen
I highly recommend Embrace Pet Insurance!
Embrace Pet Insurance and everyone who has helped me are excellent! They've always been very informative, professional and friendly. They have responded quickly to any questions I've had regarding claims and fast and fair with reimbursements. I highly recommend Embrace!
Insurer: Embrace
By: customer
It seems like a good pet insurance
It seems like a good pet insurance. Will find out how good it is this week. I have my dog at the vet for an emergency
Insurer: ManyPets
By: customer
Amazing experience !!
Such an amazing experience we had !! We got pre approval done for our dog’s cataract surgery but by the time we got an appointment for surgery , four months had passed and bill was much more then initial quote. Embrace was so prompt in paying the claim, just upload document online snd next day the claim is done. Very impressed with the customer service , they have a customer for life :)
Insurer: Embrace
By: Lata Gadoo
Dafne (Valerie) Mendoza - Excellent!
Dafne (Valerie) Mendoza did an excellent job helping me get my requested information about the coverages I have for my two Siamese cats. She was patient, understanding, polite, and thorough. All customer service agents should emulate her capabilities.
Insurer: Nationwide
By: George Quartell
claim was handled very quickly
claim was handled very quickly. I had a check in my hands in 1 week. good job
Insurer: Prudent Pet
By: Kathleen Galvin
Not worth it
The amount of time it takes to get reimbursed takes way too long. I once waited 2 months for my claim application that I didn’t even get any cash back from. I honestly don’t feel like it’s worth the price. Pets Best Health Insurance seems manipulative with their coverage. For instance, check ups don’t qualify for reimbursement like it’s stated unless it’s a complete diagnosis. Like my pup kept whining for two weeks whenever he got up from laying down so I took him to the vet. The Vet said he’s okay. Joints, spine, etc are okay. Maybe he was just sore from one of our activities. And guess what- that check up was not covered. I would also like to add that they their breakdown of your bill os mediocre and confusing.
Insurer: Pets Best
By: Lovely Mae
Healthy Paws - best decision we made for our pets care
I will attempt to make a very long winded review as short as possible. I have had dogs my entire life and for most of that time I was aware of pet insurance but I though it was a bit of a scam, meaning that it really only paid for emergency type problems and that it was not worth the cost. Fast forward to May 2020 and I get a new puppy and the woman I am dating also has a dog and she tells me about Healthy Paws and how great it is. I get the insurance for my new puppy Ruby. Healthy paws covers pretty much everything but exams, preventative medication (flea, tick, etc.) and vaccinations…. Everything else is covered. So now the long part of how much Healthy Paws helped us. All of the ordeal I am about to go into was covered by Healthy Paws except for our deductible which was 20% and any exam fees. We calculated the payments from Healthy Paws to be around $35,000 over the course of this single problem. In early 2021 Ruby started to have on and off vomiting, so we took her to the vet who did x rays and found no real problem, they though it was viral. The vomiting continued on and off a bit more so we took her to another vet for a second opinion. This vet ran bloodwork, did x rays and an ultrasound and still did not find anything. Fast forward a few weeks and Ruby vomits blood so we take her to a third emergency vet who does an x-ray and an ultrasound and discovers that Ruby had part of a squeaker toy in her large intestine and it has perforated her intestine. It more than likely was in her stomach since she started vomiting but did not show up because it is clear plastic. When it finally made it past her stomach and into her intestines it because stuck because of the size and then perforated her intestine has her body tried to work the squeaker through her GI track. Ruby had emergency surgery that day and a blood transfusion to help with the blood she lost, she spent 2-3 nights at the vet recovering and was doing okay. Because of all the blood Ruby lost she was anemic after the surgery so she required blood test every few days. As we had test, the vet noticed that Rubys red blood cell (RBC) count was not improving. After a week or so of additional testing, it was determined that the area on her intestine where it was cut and sutured by the vet had separated and the sutured needed to be restitched, so Ruby goes back in for a second surgery. Ruby recovered okay for the second surgery but still was anemic with no improvement in her RBC count. We took her to three different vets (our regular vet, the emergency vet, and University of Pennsylvania Vet school). None could find a reason why Ruby was still anemic other than the assumption she had a slow bleed from her surgery site that they felt would eventually heal. At this point we are in July of 2021. Over the next 7-8 months ruby required 3 more blood transfusions, several ultrasounds and 30+ blood test to check her RBC count and other values. Here we are today in March of 2022 and Ruby is almost back to normal. She still is requiring monthly injections of iron and monthly blood test to monitor her improving anemia and RBC count. Everything I mentioned above was covered by Healthy Paws and reimbursements to us were often made the same day, I do not think we ever waited more than 3 days for a reimbursement of a vet bill. Healthy Paws also never questioned any of the bills and we never were required to get preauthorization for a specialty vet or surgery. The only time Healthy Paws ever had anything to say about the bills we submitted was them checking in to see how Ruby was doing and wishing us well. Long story kind of short… get pet insurance. Without Healthy Paws we would have had to make very hard decisions about continuing Ruby’s care due to the cost, as the bills were $40,000+. We would have either burned through a lot of savings/gone into debt or had to put Ruby down.
Insurer: Healthy Paws
By: Jordan M.
Healthy Paws = best decision we ever made related to our pets care
I will attempt to make a very long winded review as short as possible. I have had dogs my entire life and for most of that time I was aware of pet insurance but I though it was a bit of a scam, meaning that it really only paid for emergency type problems and that it was not worth the cost. Fast forward to May 2020 and I get a new puppy and the woman I am dating also has a dog and she tells me about Healthy Paws and how great it is. I get the insurance for my new puppy Ruby. Healthy paws covers pretty much everything but exams, preventative medication (flea, tick, etc.) and vaccinations…. Everything else is covered. So now the long part of how much Healthy Paws helped us. All of the ordeal I am about to go into was covered by Healthy Paws except for our deductible which was 20% and any exam fees. We calculated the payments from Healthy Paws to be around $35,000 over the course of this single problem. In early 2021 Ruby started to have on and off vomiting, so we took her to the vet who did x rays and found no real problem, they though it was viral. The vomiting continued on and off a bit more so we took her to another vet for a second opinion. This vet ran bloodwork, did x rays and an ultrasound and still did not find anything. Fast forward a few weeks and Ruby vomits blood so we take her to a third emergency vet who does an x-ray and an ultrasound and discovers that Ruby had part of a squeaker toy in her large intestine and it has perforated her intestine. It more than likely was in her stomach since she started vomiting but did not show up because it is clear plastic. When it finally made it past her stomach and into her intestines it because stuck because of the size and then perforated her intestine has her body tried to work the squeaker through her GI track. Ruby had emergency surgery that day and a blood transfusion to help with the blood she lost, she spent 2-3 nights at the vet recovering and was doing okay. Because of all the blood Ruby lost she was anemic after the surgery so she required blood test every few days. As we had test, the vet noticed that Rubys red blood cell (RBC) count was not improving. After a week or so of additional testing, it was determined that the area on her intestine where it was cut and sutured by the vet had separated and the sutured needed to be restitched, so Ruby goes back in for a second surgery. Ruby recovered okay for the second surgery but still was anemic with no improvement in her RBC count. We took her to three different vets (our regular vet, the emergency vet, and University of Pennsylvania Vet school). None could find a reason why Ruby was still anemic other than the assumption she had a slow bleed from her surgery site that they felt would eventually heal. At this point we are in July of 2021. Over the next 7-8 months ruby required 3 more blood transfusions, several ultrasounds and 30+ blood test to check her RBC count and other values. Here we are today in March of 2022 and Ruby is almost back to normal. She still is requiring monthly injections of iron and monthly blood test to monitor her improving anemia and RBC count. Everything I mentioned above was covered by Healthy Paws and reimbursements to us were often made the same day, I do not think we ever waited more than 3 days for a reimbursement of a vet bill. Healthy Paws also never questioned any of the bills and we never were required to get preauthorization for a specialty vet or surgery. The only time Healthy Paws ever had anything to say about the bills we submitted was them checking in to see how Ruby was doing and wishing us well. Long story kind of short… get pet insurance. Without Healthy Paws we would have had to make very hard decisions about continuing Ruby’s care due to the cost, as the bills were $40,000+. We would have either burned through a lot of savings/gone into debt or had to put Ruby down. Fortunately we avoided both of those situations because I purchased pet insurance when ruby was a puppy. The only suggestion I can give outside of getting pet insurance through Healthy Paws is to get the lowest deductible possible which I think is 90% coverage (10% co pay) and get it on any puppy as soon as you can.
Insurer: Healthy Paws
By: Jordan