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We decided on pet insurance when we adopted a large mix breed puppy from a pet rescue. When our dog was two and a half we found that he has severe liver damage and is very sick. This has been a long and expensive process and Trupanion has been wonderful. They went back to an earlier visit that showed high liver enzymes and tied it together with then current claim. I have not had to call them and ask about reimbursement they just send me checks.

We decided on pet insurance when we adopted a large mix breed puppy from a pet rescue. When our dog was two and a half we found that he has severe liver damage and is very sick. This has been a long and expensive process and Trupanion has been wonderful. They went back to an earlier visit that showed high liver enzymes and tied it together with then current claim. I have not had to call them and ask about reimbursement they just send me checks.

We have had Trupanion policies for several years, and we recently learned just how grateful we are to have them. Our dog needed a $1,500 surgery unexpectedly and Trupanion worked with me the night before to get the procedure pre-approved so they could pay our vet directly. It was such a blessing to not have to pay out of pocket up front. The customer service we received was fantastic, and the timeliness of responses and claims payments far exceeded my expectations!

We have had Trupanion policies for several years, and we recently learned just how grateful we are to have them. Our dog needed a $1,500 surgery unexpectedly and Trupanion worked with me the night before to get the procedure pre-approved so they could pay our vet directly. It was such a blessing to not have to pay out of pocket up front. The customer service we received was fantastic, and the timeliness of responses and claims payments far exceeded my expectations!

I have had VPI for quite some time for my working GSD. When it was just VPI, they were awesome and turnaround time was 5-7 days. Now, I'm lucky to get anything withing a month's time. They are getting worse on what they will and will not pay for or for the amounts they WILL pay for some things. I pay for preventative medicine as well, and they are now denying some of that. Considering they hiked the prices, they need to pay more. I can't take her anywhere else because she has recently been diagnosed with EPI, however, all her test results have returned to normal and she has gained her weight back and is working again and happy. I am just disappointed in the entire insurance racket for the fur babies. They are cheaper than most.

Horrible experience. 15%premium increase each year. Each Time I need to spend extra time to disagree with their claim decisions. I'm not sure how they concluded pre-existing conditions. It's not clear. I will never use the company in the future. This was my bad mistake.

Josie is being treated for what appeared to us to be seizures. She has not had any further episodes since receiving her VOM treatments. I am happy to say that I've reached my deductible!

My dog recently had spinal surgery which required expensive diagnostics and then the surgery itself, including several days in the hospital. After he was released, he needed extensive rehabilitation, including hydrotherapy and acupuncture. Healthy paws has covered everything, and they have reimbursed me right away, with no hesitation. And to top this off, they emailed me to see how he was getting along, and to wish us well, and send hugs to him. They are genuinely concerned with his health! I could not be more pleased with Healthy Paws, and I love the peace of mind I have since I have coverage by them.

Almost every claim takes about 30-60 days to get paid especially if you have to appeal their decision and have your vet write a personal note. In my situation, they like to always claim a "pre-existing" condition. For example, my dog got a staph infection that was eating away at his skin 11 months after we got the policy. They denied it within a week and said "pre-existing" condition. If that were the case, then my dog would have died by know. No medical records requested at all! Processor likes to deny claims within 7 days or request medical records and deny claims in 14-21 days. Their customer service agents and their call center manager agreed that it should not have been denied and at the very least, medical records should have been requested. Still waiting on decision as we approach 30 days on something that should have been paid weeks ago. On the plus, their online system to submit claims is easy and allows you to even write a comment, so I gave a 3 instead of a 1. Even though I think the claim processors don't read them. Otherwise, they would have requested medical records on the bacteria that was eating away at my dog's skin.

First class through and through. Healthy Paws has a different approach from the other companies I looked at. Most companies will have a catalogue of types of injuries, caps on reimbursement, and deductibles. It was very complicated and confusing. Healthy Paws was simple. If it is an expected expense (vaccines, fixing, or mandatory check ups) they do not help. But, anything unexpected, no caps or restrictions, there is coverage. My puppy Loic broke his leg, and the vet told me if he did not have $4,500 surgery, he would most likely not be able to walk on his back hind leg. Having insurance is one thing. However, having Healthy Paws is completely different. I called them and spoke with Ryan, and he was in constant email contact with me helping me to get the claim filed. I simply had to send them scans of the invoices, and within a week, I had a reimbursement check in the mail. They kept me updated every step of the way. To put the cherry on top, I received an email after all was said and done which simply inquired about how well Loic was recovering from his surgery. Really made me feel like they cared about Loic and my wellbeing.