Disingenuous Deductible
I have the $250 deductible 80% coverage plan but it is disingenuous to call this a $250 deductible. It is a $300 deductible because only 80% of eligible costs go towards the deductible.
In my insurance policy it says: "DEDUCTIBLE: Your pet’s deductible is shown on the pet schedule of the declarations page. Your pet’s
deductible shall apply once per coverage term. "
My declarations page says: Coinsurance
(Your Share):
20%
Reimbursement
(Our Share):
80%
Annual Deductible:
$250
Example, if I have a $1,000 vet bill that are all eligible costs I would expect to pay $400 (assuming its the first claim of the year). This is made up of a $250 deductible and $150 (($1,000-$250)*.20=$150) and Healthy Paws would reimburse me $600. ((($1,000-$250)*.80=$600)
HOWEVER, Healthy Paws looks at the $1000 bill and ($1,000*80%= $800) because "I am responsible for 20% of all vet bills and healthy paws reimburses 80% of total vet bills". They they take the $250 deductible out of the $800 and I am only reimbursed $550 and not $600. This is truly a $300 deductible.
I was told by a customer service liaison (who was incredibly insulting) that deductibles in pet insurance work differently than deductibles such as in homeowners, car, or health insurance policies.
I pay a good amount of money per month for my policy, I've held it for almost 4 years now. I would expect more from this company.
- INSURER:
Healthy Paws
- POSTED: 10/19/2021
- BY: Kimberly
- BREED: Mixed Breed Large (70–90 Lbs)
- AGE OF PET: 7 - 10
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Very difficult to file a claim..communication poor
Very difficult to file a claim. Said needed more information from my vet and that they would call. Said they could not contact my vet and closed the claim. I have no idea what additional information they needed but they just went ahead and closed the claim.
- INSURER:
Pets Best
- POSTED: 10/19/2021
- BY: Gary
- BREED: Bernedoodle
- AGE OF PET: 0 - 3
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Unrealistic claims policy
I submitted a claim for an ear infection on an 18-month-old Goldendoodle. It was denied because he had an ear infection before that was treated and was corrected. He got another ear infection unrelated to the first and I was told the denial was because of a previous instance. I was told that we would not get a claim for an ear infection approved for the rest of his life. Dogs with floppy ears periodically get ear infections and Pets Best knew what kind of dog he was when we signed up. If I had wanted catastrophic coverage only, I would have expected the price to be substantially lower than it is. It appears that unless you sign up your dog at birth, little except catastrophic events would be covered. What a waste of time and money. I cancelled the policy.
- INSURER:
Pets Best
- POSTED: 10/19/2021
- BY: Ivan
- BREED: Goldendoodle
- AGE OF PET: 7 - 10
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insurance premium went up 30% after 1st year with no claims filed
After paying $29 a month for the 1st year of my puppy's life they raised the premium to $37 a month and we had not even used the policy one time. I don't understand why our policy went up 30% after 1 year when they advertise that they don't raise premiums for filing a claim. We never even filed a claim so why did it go up so much?
- INSURER:
Healthy Paws
- POSTED: 10/19/2021
- BY: Robin
- BREED: Mixed Breed Medium (20-70 Lbs)
- AGE OF PET: 7 - 10
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Excellent help from the agent, Natalie.
Natalie was very well informed pleasant and polite and easy to talk with.
- INSURER:
Trupanion Canada
- POSTED: 10/19/2021
- BY:
- BREED: Domestic Shorthair
- AGE OF PET: 7 - 10
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Trupanion has always been there for me!
Trupanion has always been there for me!
- INSURER:
Trupanion Canada
- POSTED: 10/19/2021
- BY:
- BREED: Dachshund
- AGE OF PET: Over 11 years
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great to deal with.
great to deal with....always answer emails very quickly....
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I do not want my feedback posted
My dog had an elevated enzyme level (it went from 200 to 1000) and my vet deemed an ultrasound was needed to rule out a tumor or other issues related to her kidneys. She was also urinating frequently. I strongly think all or part of the ultrasound should be covered
- INSURER:
Trupanion
- POSTED: 10/19/2021
- BY:
- BREED:
- AGE OF PET: 7 - 10
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Sarah helped me change my credit card on file.
Sarah helped me change my credit card on file. She made it very easy
- INSURER:
Trupanion
- POSTED: 10/19/2021
- BY:
- BREED:
- AGE OF PET: 0 - 3
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