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My claim was quickly processed
My claim was quickly processed! Good explanation of the claim.
Insurer: Fetch
By: Cyndi
TERRIBLE COMPANY. This company is incompetent.
TERRIBLE COMPANY. This company is incompetent. They won't approve anything and are terrible. Your denied claims DO NOT go towards your deductible. Something I wish they would have disclosed in the policy when signing up. My pet had a cough due to something completely different than what he is dealing with now, and they won't approve his claims of over $1500 because they think it's pre-existing. I even had my Vet write a letter claiming it was not pre-existing. Still won't approve. I then used their Rx platform to order my dogs antibiotics, I paid for next day shipping. Well it's been 6 days and my pets meds are still not here. When I asked about it, they said someone used a USPS label instead of the FedEx label they were supposed to use that I paid for. The rep said that it would be delivered today, but now it's saying tomorrow. What the heck. I HATE THIS COMPANY. I have never used such a sad excuse for a pet insurance company till Fetch. My pet is battling pneumonia and a collapsed lung and has been without his antibiotics for an ENTIRE WEEK. While the reps are competent and accommodating, the company they work for is such a scam. I am spreading this far and wide and plan to take this to social media to spread the word even further not to use this company.
I haven’t had a ton of experience with…
I haven’t had a ton of experience with this company. I came over from a previous company that I loved but unfortunately could no longer get in my state. Now a few years later an only 1 claim filed for $300 I am not seeing the benefit for staying with ASPCA. The time it took to process the claim was almost a month. If I had to shell out thousands of dollars on a claim I don’t want to wait 4 weeks for a claim to process to get my money back. If you decide you want to add wellness to your policy you have to wait until your next policy renewal period. You have a very short window to make changes to it. Now I have had multiple insurances over the years for different pets of all ages and breeds. Since I have started this policy (2/1/2021) it has increased yearly anywhere from $25 to $50 a month. I had one $50 claim, and have two dogs on my policy (4 and 3). There is no reason for the policy to increase this much. I have asked other people in my area if there policies had similar rate hikes but they did not. I think it might be time to search for a different insurance company.
Insurer: ASPCA
By: Elisabeth Berlowitz
Feeling grateful for having Healthy Paws Pet Insurance!
Less than 24 hours after picking up my one year old pup from five days of boarding, he started showing symptoms of kennel cough. I tried calling the boarding facility (on a Saturday while they were still open) and no one answered or returned my call, as requested. By Sunday the symptoms were terrible and I needed to bring Peanut to the Emergency Vet Clinic. This is something I had tried to avoid by contacting the boarding facility on a Saturday (while my vet was seeing patients). After a battery of tests and X-rays it was determined that my pup had contracted kennel cough (and YES he had the Bordetella vaccine recently). Knowing I had Healthy Paws pet insurance made the decision to go to the emergency vet so much easier. After a night with little rest, I didn't want to wait another day to go to my regular vet. Sunday evening, I received antibiotics and cough suppressant for Peanut and he started feeling better withina day or two. Submitting my claim and requesting reimbursement was so fast and simple. All on my phone through the Healthy Paws App. One note: Do read the fine print of your policy so you understand which costs are covered and which ones are not. Receiving 80% of the cost of this visit (minus the exam fee) is a tremendous help - especially for an emergency visit. I highly recommend getting a Healthy Paws pet insurance policy for your furry loved one!
Easy to use, very reasonable deductible.
Embrace makes it easy to find information about the plan, and easy to submit claims. I wish human health insurance used the same system.
Insurer: Embrace
By: Heather
Christmas Eve Emergency
"My young dog got sick on Christmas Eve and had to go to the emergency vet. Of course, they did lots of tests and procedures to find out what was the problem. After several hours he was able to go home with 2 medicines and orders for his care. Thankfully I had Pets Best Insurance to help with the expense! It was a good Christmas after all."
Healthy Paws - Highly Recommend
I've had HP for 9 years. They consistently provide a no-hassle experience and typically pay claims within days. One of my dogs has required multiple surgeries and procedures - and I've never had a rate hike due to the number of claims submitted, or the cost of claims. So glad I have HP and would highly recommend to all pet parents!
Insurer: Healthy Paws
By: Sarah
It was easy to get my reimbursement
It was easy to get my reimbursement. It took about a week and it was automatically deposited into my account.
Insurer: Spot
By: Amanda Land
Pets Best - Quick & Easy!
Buster had a prescription filled for an allergy issue. I was able to quickly and easily fill out the claim form and attach the documentation for the prescription. Within days I got an email that the claims process was done - I logged on and viewed that it was accepted and put towards my deductible.
This is my Healthy Paws pet insurance Story
This is my Healthy Paws pet insurance policy story. Eight years ago, soon after I retired, my wife and I got a poodle/border collie mix puppy that we named Koa (because I’m from Hawaii and Koa is not only the name of the wood but also means “warrior” or “fearless”). When you’re 65 years old, getting a dog as energetic as Koa was probably not the best choice, but I was old, not dead, and Koa was so much fun! He was just a bundle of energy and perpetual motion and wicked smart to boot. In the first weeks of having Koa, my wife told me that we should get pet insurance, because Koa seemed to be the kind of dog that would eventually need it - he was running hard, crashing into walls, chasing critters, digging up the yard, darting across the beach - all the crazy wacky things that boy dogs do, and that was even before we house trained him.. So that's what I did - after some research, I chose Healthy Paws pet insurance. I knew Chubb from my working days and was happy with their products and services for humans. At the time, very few pet insurance companies, including Healthy Paws, were offering well care, but that wasn't my big concern. I wanted coverage for the other things - CCL and tendon tears, broken bones, stuff like that. Healthy Paws' policy offering was great - 80% off those things with no limits. Sounded great so I signed up when Koa was four months old. For eight years, Koa was very active. Extremely active. So active, that his FitBark tracker constantly ranked him in the 95% percentile for activity. He became a great frisbee dog and could play fetch for hours without stopping. He would wear down the Aussies and retrievers and border collies that would dare chase after his frisbee. But all that took its toll on poor Koa. One day, he just couldn't bear weight on his rear legs. We had previously seen the early signs of CCL problems, but we were hoping that he would one day get better. He did, a few times, and then finally he didn’t, and we found ourselves looking at bearing the costs for bilateral CCL surgery, t-cell therapy, and tendon repair last year at a cost that was the equivalent of a new car. The cost for Koa’s first surgery – the bilateral CCL surgery - was in the five figures. When I submitted the invoice, the voice in my head told me that Healthy Paws would balk at the cost and find some reason to not cover the bill. But to my surprise, they did inside of a week. Koa’s second surgery came a month later – the surgery to repair Koa’s tendon injury. The cost was also in the five figures, but less than the first. Healthy Paws took 48 hours to cover that one. They’ve since covered the weekly cast and bandage changes and probably will cover rehab expenses. So here’s what I’ve learned from poor Koa’s experiences. When Koa was young, I thought paying pet insurance premiums was an extravagance that solely addressed my peace of mind. Now I’m thinking that vet bills are astronomically far more expensive than pet insurance premiums. If you have an active dog that is warrior-like and fearless, you might want to consider pet insurance. I am very pleased with Healthy Paws. They do what you want insurance companies to do when you need them: they do what they promise. And thanks to Healthy Paws, Koa got the care he needed without us having to think about financing or whether to forego treatment for economic reasons.
Insurer: Healthy Paws
By: Wendell Lee