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Used to be great. Now... stay away!
For the first few years, HealthPaws was amazing. They had reasonable rates and paid every claim we submitted. In the last year, that all changed. It started with a 36% rate hike that came overnight. When I questioned that I was told that it was a one time thing because they had had so many large claims and were also calculating premiums differently now (taking dog's age into account). I was also told that I shouldn't expect another similar rate hike. Then I submitted a claim that they wrongfully denied. It took me talking to 3 different people over multiple weeks to get that resolved, and then they didn't pay for another month. The final straw was when they hiked my rates another 31% AFTER TELLING ME THAT WOULD NOT HAPPEN! When I contacted them about it they gave me the exact same party line that they gave last year and refused to answer many of the questions I asked nor to give any assurance they wouldn't just keep hiking my rates year after year. If you're looking for a reliable insurer, I strongly urge you to look at some of their competitors. Otherwise you may find youself paying hundreds more per year than you thought you were signing up for.
Insurer: Healthy Paws
By: Jonathan Marcel
Never approved anything. Nice phone staff.
We went with Trupanion because our Vet had just become associated with VCA animal hospitals, and that's the insurance they push. Our cat was getting old, so we thought some sort of insurance was probably a good idea. Trupanion seems to offer a simple deductible/monthly premium trade-off. She had some diagnosed conditions going in, mainly hypothyroid. After we got her covered, she was diagnosed with another intestinal condition, which they refused to cover as "pre-existing". The symptoms are similar to intestinal cancer, but the cancer specialist recommended against an invasive test procedure because there is only one treatment regime for cats, cancer or not. In retrospect, it could have been beneficial if the specialist had done something to confirm a new cancer. But Trupanion never approved any of the steroids recommended for her, nor any of the veterinary cat food. When she went into the last emergency vet -- who told us she most likely was going through liver failure -- they didn't cover that either. They may cover the euthanasia, but I doubt it. And if they cover any of it, our deductible eats it all. So medically-speaking, useless. Financially speaking, the premium represented about 1/3 of her medical/insurance expenses. Everyone I ever talked to has been very sweet and sympathetic. But overall, the policy was worthless.
Insurer: Trupanion
By: Charles
Embrace has been there when I needed them!
I've had my policy with Embrace for over 12 years and had not really had many claims until the last couple of years. My baby is being treated for cancerous growths and they provide excellent coverage and process all of my claims promptly. I highly recommend them!
Insurer: Embrace
By: Amy
Trupanion is great pet insurance!
Trupanion rates are good. You can choose your deductible to fit your needs. The claims process was simple and straightforward. I am very happy with Trupanion insurance for Bella Lee.
Insurer: Trupanion
By: Donna
Super fast claims processing and outstanding service
I have had a Healthy Paws policy for my 11 year-old Beagle for 5+ years now. Last month, within the span of a couple of hours, Yodee went from seeming perfectly fine to needing immediate surgery. The emotions that go thru you when having to make decisions about these things is traumatic. But knowing that he had a Healthy Paws policy in place--and especially with the knowledge of how great they are with taking care of claims--absolutely brought reassurance and peace of mind. I can't even imagine how difficult the experience would have been without them. The claim was processed and paid before my credit card payment was due. He is fully recovered now, and doing great. I can't thank them enough. One of the best investments I have ever made.
Insurer: Healthy Paws
By: Ed
Doggie surgery
My dog had ACL surgery. It was an unexpected cost at the holidays and during the pandemic when finances are tight. Luckily, I have Healthy Paws insurance. I sent in my claim by taking a photo and uploading it, easy process. The staff are very friendly and caring. They followed up after my claim to check on my dog. Thank you Healthy Paws.
Insurer: Healthy Paws
By: Martie
Stay away from aspca (United States...
Stay away from aspca (United States fire insurance) I have been paying for years and they denied my claim based on wrong diagnosis .my vet said they are a terrible company and stay away from .don’t waist your money . It’s a shame they have the title aspca . I’ll never donate again . The public should be aware and will be sure to review on all social media . Maria
Insurer: ASPCA
By: Anthony Micieli
I’m glad I chose ASPCA insurance
Very easy to sign up online and an extremely easy claim submission process. My claim was completed within a day
Insurer: ASPCA
By: J Z
Trupanion was a literal lifesaver
Trupanion was a literal lifesaver. In August both my dogs fell ill. My Aussie Shep underwent a multitude of tests, and specific hospitalization. Sadly she had an aggressive form of cancer and she was euthanized. While managing that, my little chi/pug came down with an awful case of pancreatitis. He was hospitalized for 6 days and it was touch and go. Knowing that I had Trupanion as my insurer made it easier to make decisions that cost thousands of dollars. They are a phone call away, and more than once listened to be sob on the phone.
Insurer: Trupanion Canada
By: Alexandra Wright