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Great Reimbursement Process and Speed, a couple pain points...
Soon after I got my dog 5 years ago, I decided to go looking for a health insurance company for her. Not wanting to get hit with big vet bills if something happens was an important thought for me. Back then there were less reviews, but based on what I found, I decided to go with Healthy Paws for the following reasons: - My dog was young and the wait period was only 7 days after initial vet exam - No pre-existing conditions that I would have needed to get covered (as far as I know they are hard if not impossible to get covered) - Comparing prices they were cheaper than others - I didn't need routine vet care coverage Over the last nearly 6 years my dog, unfortunately, needed medication and vet attention on numerous occasions and had multiple surgeries, not even talking about a full check up from an animal oncologist. The most recent surgery being a CBLO repair for her cruciate ligament in her back leg. After the initial claim, reimbursement claims are usually approved within 24 hours! I never had an issue with getting anything not covered that I expected to be covered. I get follow up emails from Healthy Paws as well asking how my dog is doing and if she is recovering well. This happened not only once but with every bigger claim I have filed. Now, why only 4 stars? Things to keep in mind: - The exam fees are not covered, only medication, treatments/surgeries, rehabilitation. If you have ever taken your dog to a specialty vet, the exam fee doubles or triples to what a regular vet charges. It would be great if specialty exams would be covered, at least for the amount above the regular vet exam fee. - Premiums are getting higher and higher. This is also not a surprise, but unfortunately, because of the above mentioned 'no coverage of pre-existing' for most all pet insurances, just switching to a cheaper provider after price comparison is not really an option. So what we would do with car or home insurance, we can't do with pet insurance. The selection of a pet health insurance seems to be for the life time of the pet because of this. In more than 50% of cases, when one knee needed a surgery because of the cruciate ligament, the other knee will give out too because of over use. Cancelling or switching insurance would mean that that injury would not be covered at all. Again even with rising premiums they keep them just low enough so it makes sense to keep the peace of mind. - Premiums are depending on your location! Now, I get if you move out of state or from rural to metro, but I moved a town over and my premium per month was $10 higher. Moved 5 mils east (and actually closer to a more metro area, but same population density as before) and my premium went down $15 a month again. I get this for a car insurance, but for a pet health insurance? Seems weird to me. Again, even though there are some pain points, I would chose Healthy Paws again as my dog's healthcare insurance for my next dog. The promptness in payment, in answering any and all questions and care of the employees are the factors that count for me.
Insurer: Healthy Paws
By: Britta Schoenborn
Outstanding, friendly, smooth process
Outstanding, friendly, smooth process
Insurer: Lemonade
By: Hitesh
Excellent process
Excellent service and payment times. Claim was paid in less than 2 minutes. Claim was for wellness/booster shots.
Insurer: Lemonade
By: Michael
Amazing!!
Great customer service. Super fast!!!!!!
Insurer: Lemonade
By: Lisa
Unbelievably Easy
I did extensive comparative reviews TWICE before I was willing to commit to pet insurance. I was skeptical of the value at first but ultimately by the second round of research did the math and spoke to a couple of vets and friends with pet insurance and was convinced of the benefit. If you treat your cats like family, then pet insurance makes sense. The alternative to not having insurance is awful if a pet becomes sick or injured and required costly care. I decided I didn't want to put me or my family in that situation having to make that kind of decision. Once you look at it that way, insurance makes a lot of sense just like it does for people. When I did the comparisons I kept going back to Lemonade for the cost. Then, I started using Lemonade and I cannot believe how easy the entire process is. They handle everything through the app and email with excellent friendly customer service. They respond very quickly and everything is set up to be extremely people friendly - even for those who know nothing about technology. The claims were processed ridiculously quickly and the reimbursement was in my bank account in about 24 hours. I am loving Lemonade and know I made the right choice. I wish more people knew about it.
Insurer: Lemonade
By: S.
Great insurance!
Claims are quick and easy.
Insurer: Lemonade
By: Judy
They are the absolute best!
I love Lemonade Insuance. They are the best. I wish I would’ve known about them years ago as I would’ve had my other yorkie on it and maybe she would still be with me today. I have already recommended Lemonade to other pet parents.
Insurer: Lemonade
By: Monica
I love Lemonade pet insurance
I have insured my cats through Lemonade for almost an year. They provide easy claim process and fast pay out. All the representatives I have interacted with, they all are very professional and offer excellent customer service.
Insurer: Lemonade
By: Kristine