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Beware of pre-existing condition
I bought a wellness and illness/accident policy to cover my jack russel/fox wire terrier mix dog I adopted from the shelter. When I adopted him, he was wheezing in his chest. I went to the vet and they gave me antibiotic for his infection. I then bought this insurance policy. You have to take your dog to the vet within a year for this policy; otherwise, you have to take him to the vet within 14 days or so when your policy start. Since I just adopted him, I only had the one vet visit to report back to the insurance. Three and half month later, my dog caught Kennel Cough from a dog at the park. I had to take him to the vet to get antibiotic. Since he had an "upper respiratory infection prior to the start of your policy which makes any conditions caused by or related to this condition pre-existing until he has been free of all clinical signs for a full 12 months from the last noted occurrence" I could not get reimbursed for the kennel cough nor will I be able to get reimbursed for any other respiratory infection until 12 month later. I do not understand why I have to wait a full year to be cover for respiratory infection. There are several different type of respiratory infections and some are triggered by several different type of organisms. For instance, Pneumonia and Kennel Cough are caused by several different strains of bacteria, viruses, and fungi. My dog was already vaccinated against Kennel Cough from the shelter; however, he still got it because he caught a different strain the vaccination doesn't work against. So, beware of any pre-existing condition your dog may have had in the past because they won't cover you. FYI: They will contact the your vet and request a copy of your charts. This is probably standard against other pet insurance. I did get reimbursed for a test that was part of my wellness plan, so the I can't complain about the wellness plan. I recommend adding it to your plan.
Insurer: Embrace
By: Cory
Healthy Paws Delivers
Healthy Paws is worth every penny and we are so glad that we signed up for insurance with them. They deliver what they say they will and quickly. Our dog had a terrible stomach bug and spent two days in the animal hospital and they covered us for exactly what we signed up for. They even checked up to see how are dog was doing. Very happy with their service.
Insurer: Healthy Paws
By: Pat
Our confusing claim review was quickly resolved.
The invoice prepared by our vet gave the impression that Clover's visit was illness rather than wellness related. This made a $325 difference in our eligible Wellness Rewards reimbursement. One quick email, and Embrace reviewed their interpretation of the claims, checked with our vet, and, within a few days, we received our full $400 Wellness Reward...complete with an apology. Both professional,and appreciated.
Insurer: Embrace
By: Abigail
The Day Before Vacation?!?!?
The day before I was supposed to leave for a long trip my dog started to cry when going to the bathroom. I took her to a 24hr clinic since our vet was closed. When they started to advise me about what they wanted to do I told them to do whatever was needed because I had the peace of mind in knowing that my pup has great insurance. UTI infection - antibiotics and my "Piper" is well. She hasn't even finished her meds and a check from Embrace is already on the way. And its not all about the money -the people at Embrace are GREAT -always kind, informative, friendly and quick. Well worth it.
Insurer: Embrace
By: Lisa
good experience
They were very on the ball in letting us know where the process was at; always reminding us they were working on it and letting us know the moment it was completed
Insurer: Trupanion Canada
By: Kate-Lynn
good experience
They were very on the ball in letting us know where the process was at; always reminding us they were working on it and letting us know the moment it was completed
Insurer: Trupanion
By: Kate-Lynn
Healthy Paws Makes Pet Healthcare Decisions Easier
My Lucy is a 12 year old West Highland White Terrier. When an infected anal gland abscessed and ruptured, twice, she required surgery. Because she had such a bad infection in the area, her interior stitches from that surgery came loose and six days later she had a second surgery to redo everything. Two months later, a third surgery was required to close a small fistula between her rectum and the anal gland. That was followed by a urinary tract infection, as a result of the other infection in that area of her body and finally, a yeast infection from all the antibiotics. Because my financial situation is not good at present, without Healthy Paws I may have had to have Lucy euthanized, because I couldn't afford the surgeries and follow treatments. I am happy to say Lucy is fully recovered and I couldn't be happier with Healthy Paws.
Insurer: Healthy Paws
By: Lindsey
Typical insurance company.
Do not recommend. Denied my first claim. I had a veterinary exam done for my dog approximately one month prior to signing up for this insurance they said that it was not necessary to get a exam done. After my first claim they change their tune is saying that he needed to have an exam done up to 15 days prior to any claim. I spoke to customer service and they said that I had not made phone calls to them which I had. They also claimed that the vets records said things that were not actually in the vets records. Typical insurance company.
Insurer: Healthy Paws
By: John
Healthy Paws - Great and Quick Service
When my 1-year old dog started vomiting blood we knew it would be an expensive road to figure out why and to treat it. After many tests, x-rays and ultrasounds, she ended up needing surgery at the Emergency Vet Hospital to remove foreign material from her stomach. I submitted the claim to Healthy Paws and received my 90% reimbursement check quickly, no questions asked. I recommend Healthy Paws to everyone I know who has a pet.
Insurer: Healthy Paws
By: Michelle
FABULOUS!!!!!!!
Several times I have used Healthy Paws, I always have a check within five days, hard to believe in this day and age. The last time was about a week ago while at a park my dog ate something that made her violently ill, we took her to the vet and she was sent to a critical care hospital. They suspect she ate marijuana. She spent the night on an IV and recovered quite well. The big was large, but with 90% of the bill covered by Healthy Paws it was quite manageable.
Insurer: Healthy Paws
By: linda