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I don't know what I would do without Healthy paws!
I purchased pet insurance for my german shepherd akira. Akira's stomach flipped. Bloat is the second leading killer of dogs after cancer. Akira's intervention was 6000 dollars and healthy paws was there to help us through this one. The have being so great. I purchased the 90 percent reimbursement and I am so glad I did because I don't know what could have happened if I didn't have healthy paws. Healthy paws is the best decision I could have made for akira's health.
Insurer: Healthy Paws
By: Alejandra
Unsure of ASCPA Insurance at this time
At this time, I am not sure I am happy with ASCPA pet insurance. I currently have to two pets covered under ASCPA pet insurance - I chose a Level 2 plan for each of them. Between the two pets I recently submitted five claims totaling $853.55 to ASCPA. Out of the $853, I will be reimbursed $258 - approximately 30% of the total. One claim of $470 was for my 8 month old kitten who was spayed. For that particular claim, I will be reimbursed only $100 out of the total $470 claim for the spaying. I thought ASCPA [especially being ASCPA] offered a better care plan for my pets - especially thinking that I had a level 2 plan - my mistake. I am not convinced that ASCPA is a good pet insurance plan to choose. I have yet to see anything close to 90% reimbursement. BE SURE YOU UNDERSTAND THEIR THEORIES ON PRE-EXISTING CONDITIONS AND THEIR 180 day CLAIM WITH 'CURED' BEING THE SKEWED AND KEY WORD here. 30% reimbursement just does not seem adequate to me and it seems they are good at denying portions of your claim leading to them paying much less than the up to 90% as advertised. I thought this was a good and safe choice being ASCPA, but that is very questionaable. I have submitted one more claim. I will look at the percentage that I get back. If it is a low percentage again, I may have to reconsider this pet insurance plan. I also suspect that they may have lied to me. I previously submitted a claim that was denied based on a pre-exisiting condition. I thought my pet would be covered because he had not any symptomotology of allergies for 18 months, but again their interpretation of the contract and the word "cured" did not match what I understand or what I was told on the intial call regarding this insurance. Needless to say, they would not cover the claim and that was that.
Insurer: ASPCA
By: Terry
Great communication!
It's nice to work with a company that truly keeps you up-to-date on what is happening. I even receive emails when my claim has been received and the investigative process has started. Claims are reviewed quickly and the entire procedure is resolved expediently. This is very much appreciated, especially when my dog's health is of primary concern.
Insurer: Trupanion Canada
By: Sandra
Great communication!
It's nice to work with a company that truly keeps you up-to-date on what is happening. I even receive emails when my claim has been received and the investigative process has started. Claims are reviewed quickly and the entire procedure is resolved expediently. This is very much appreciated, especially when my dog's health is of primary concern.
Insurer: Trupanion
By: Sandra
life saver
my newfoundland had many7 leg problems...and in the six years of his short life, we had over 50,000.00 in vet bills....this wonderful insurance paid almost 98% of it minus deductibles.........thank you again VPI......same service with our present Newfoundlander.....wouldn't have ANY other insurance
Insurer: Nationwide
By: charlotte
Canceled after 3 months
After over 3 months of paying for my two dogs, and jumping through all Embrace's "hoops" - ortho check, turning over files, etc., it became apparent that virtually any condition my 7 and 8 year old dogs had was going to be considered pre-existing. Middle ear infection? Sorry, not covered because he had a yeast infection in ear prior. Visit to vet for panting,(which can be a sign of pain in dogs)? Sorry, not covered because he had been brought in previously for "labored breathing." News Flash: Labored breathing/panting is a SYMPTOM of something else. You suggested I can, however, call my vet and have her "write us a letter, explaining why it's different." Really? I don't have time to investigate and fight you over every claim, nor does my vet. (And this was just to go toward my deductible.) I should have known from your initial threatening email practically accusing me of faking my dog's ortho exam (yes, the one you request of new policy holders) that you were not a company to be trusted. I predict that once word gets around, Embrace won't be around for long. I highly recommend you stay away from this company.
Insurer: Embrace
By: Tamie
Every pet owner shoud have Trupanion!!
After my very stressful experience with my kitten having gotten a piece of thread wrapped around her tongue and attached in her small intestine which resulted in intestinal surgery to remove it, my experience with Trupanion was EXCELLENT. This was my first claim for my 8 month old kitten so when I submitted it I also sent all the history for "Punkin" that I had since I rescued her at 4 months old. This included all her vaccine, when she was spayed, shot records and blood work results. Trupanion looked at everything I sent and deducted what they could from my deductible and paid my claim in two days.
Insurer: Trupanion Canada
By: Chris
Every pet owner shoud have Trupanion!!
After my very stressful experience with my kitten having gotten a piece of thread wrapped around her tongue and attached in her small intestine which resulted in intestinal surgery to remove it, my experience with Trupanion was EXCELLENT. This was my first claim for my 8 month old kitten so when I submitted it I also sent all the history for "Punkin" that I had since I rescued her at 4 months old. This included all her vaccine, when she was spayed, shot records and blood work results. Trupanion looked at everything I sent and deducted what they could from my deductible and paid my claim in two days.
Insurer: Trupanion
By: Chris
They came through, again!
My dog had his toe amputated. I put in my second claim with Healthy Paws and was pleasantly surprised that it was as easy as the first claim I made ( for a luxating and fractured patella...don't ask). They offer the best coverage and they are so wonderful to deal with, always pleasant and seem to care about my dog. It was such a great comfort To know that I wouldn't have to hassle or fight with anyone to get the claim processed. They are true to their promises.
Insurer: Healthy Paws
By: Erika
Healthy Paws is Great!
I never write reviews but Healthy Paws really went out of their way for us, they worked with our vet and got our pup pre-approved in less one day for her surgery so we didn't have to worry about the high price and could just worry about our pup when the day came. They even wrote to check in and see how she was doing after her surgery. It was so sweet!
Insurer: Healthy Paws
By: Skye