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Seem EVERYTHING is PRE-EXISTING
Only recently did I learn that the "fine print" of my ASPCA insurance considered ANYTHING DIAGNOSED BEFORE THE CURRENT POLICY PERIOD WOULD BE CONSIDERED PRE-EXISTING. This was especially deceiving given I was paying an additional premium for "continuing care" coverage. My dog had a few cysts, and the Vet aspirated them for lab review. They were just "cysts," so no need to risk surgical complications by removing them. Instead, Vet advised we periodically check them to make sure they remain 'just cysts.' Since we did not have them surgically removed, any annual check-ups on these cysts were deemed "pre-existing." Therefore, if these cysts transformed into something more serious (like moles on people that can become melanoma down the raod), surgery and/or treatments would no be covered because they are "pre-existing." DO NOT USE ASPCA IF YOUR PET DEVELOPS ANY CHRONIC AILMENTS BECAUSE CLAIMS WILL BE DENIED. Unfortunately, I discovered this little 'trick' when my dog turned 13. Now I can't get coverage for ANY of her increasingly chronic conditions. :( Guess I'll have to make that horrible decision down the road between money or her life, as we do not have the financial cushion to afford diagnostics or treatment for serious illness.
Insurer: ASPCA
By: Lynn
the best. just sign up before something happens.
First ever insurance claim-Julie ended up with a piece of wood that caused some problems trying to pass. Multiple visits, x rays, meds, and an overnight at the emergency vet later my bills were over $2000. Everything except the exam fee, my deductible and 20% to be paid by me according to my plan was reimbursed as soon as I got all my records in. They even sent a follow up email to see how she was doing. The only thing is they won't cover any ear infections since she had one before I signed up, which I think is kind of lame
Insurer: Healthy Paws
By: Dana
Excellent service
I was very pleased with the flexibility for the deductible as well as the monthly charge. Service is excellent.
Insurer: Trupanion
By: Karen
Excellent service
I was very pleased with the flexibility for the deductible as well as the monthly charge. Service is excellent.
Insurer: Trupanion Canada
By: Karen
Dental reimbursement fo Cookie
Embrace assisted me with my dental bill for my dog, Cookie. I had a easy process of submitting my paperwork and within the required days I received my reimbursement of $400.00.
Insurer: Embrace
By: Arlene
Tremendous in Handling Claims!
This is so much better than human medical insurance!! I submitted a claim form which had part well and part ill services on it. They wrote me and explained they would be splitting the claim into 2 claims and promptly processed each one and paid out very quickly. I would have expected them to reject the claim and make me resubmit them separately, but instead they took care of it and I didn't have to waste time. Soooo appreciated!
Insurer: Embrace
By: Rebecca
Good Value and Coverage
I compared all the different companies, and found Embrace to offer the best coverage and value for my Golden Retriever. I particularly like the wellness coverage. Claims have been processed promptly and can be deposited directly into your account. I wish I would have found them sooner.
Insurer: Embrace
By: Jeffrey
Great customer service !! Quick response
We have utilized our insurance very quickly after signing up. One situation was emergency surgery for our 6 month cheweenie. Very pleased with response. Healthy paws is quick to respond, easy to file claim and customer service people very friendly. After researching multiple companies could not be more pleased with this company.
Insurer: Healthy Paws
By: J.Askin
Perfect
Every time we have a claim, our vet faxes in the form, and a check shows up before I even remember that I'm expecting a check. Our pup had surgery, and the process was seamless, and they even emailed just to see how he was doing, they're amazing.
Insurer: Healthy Paws
By: Zach
Excellent
Each time I have submitted a claim they have processed in a in less than a week time
Insurer: Trupanion Canada
By: Deborah