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Great insurance, easy and quick claims
Have had this insurance for 2 dogs and had good experiences for all of my claims. Easy to submit online and they responded quickly . Happy so far!
Insurer: Lemonade
By: Chandra
Recommend
I highly recommend buying Healthy Paws Pet Insurance for your pets. First of all, you should always buy pet insurance, especially for a first-time parent like me, and it is never too early! You can rule out more pre-existing conditions. Also, even a young pet can get unexpected diseases. My cat Felix got diagnosed with cancer even though he is only 5 yo. Without my insurance, I could hardly afford the diagnosis procedure (lab test, blood work, etc.), let alone any treatment plan. But since I have the insurance, I can work with my vet to have some treatments for Felix to help him feel better, and seek help from more expensive specialists, without worrying too much about the financial impact. Second, from my personal experience, Healthy Paws Insurance feels pretty decent. The premium is not that expensive (at least for young pets, my cat was still young so I don't know how it will turn out for more senior pets) in my case. I didn't set a super low deductible though, you might need to pay more if you want a lower deductible, but I feel good with mine. It covers the diagnosis and treatment of almost every disease, as long as it is not a pre-existing condition. I know it doesn't cover any dental treatment, which I do feel kind of disappointing. But I don't know if there is anyone in the market who covers it so I am fine with it. It doesn't cover the office visit fee or consultation fee, which is a bummer, as I live in a place where the office visit fee is quite expensive. For the pre-existing condition, I don't think you should turn around if your pet already has any condition (unless it is lethal), because it can still have you covered in other situations. And one tip, if you plan to buy the insurance and your pet is healthy without any medical record, take it for examination as soon as possible to rule out any pre-existing conditions. The reimbursement process is also very quick in Healthy Paws. I usually get my reimbursement 2~3 days after I file the claim, and it is pretty smooth. And I like the fact that they don't have any cap for the reimbursement. Some diseases can get very expensive. I remember when I quoted all the companies, there are quite some that have a maximum reimbursement amount (yearly or lifetime). Some have adjustable caps based on the premium. And I would say those caps are usually too low for situations like accidents and cancers. Maybe it is because of where I live, but still, I feel it is very easy to exceed the cap in quite common situations. Therefore, I would recommend buying Healthy Paws Pet Insurance because of my experience and the fact that I believe it is a necessity to buy pet insurance. I hope my experience can help you make the correct decision.
Insurer: Healthy Paws
By: Peter
The Fetch Employee was just great and…
The Fetch Employee was just great and helpful and patient with my many questions about Fetch insurance, very knowledgeable
Insurer: Fetch
By: Faris Weheba
Claims submission was easy
Claims submission was easy. Claim processor accurately and fairly evaluated all of my claims.
Insurer: Embrace
By: William Stiles
Excellent Service
Was able to make same day appt with my vet for unwell doggy who had back pain and decreased mobility. The vet had my Trupanion info on file and. Submitted all claims etc directly to insurer. As this was my first time using my pet insurance I was a little concerned re: coverage, submissions, etc, plus worried about pet. Thought it was going to be a hassle. Turned out to be intervertrebal disc disease. After X-rays, bloodwork, etc. following treatment, pet vastly improved and on bed rest for next 2 Weeks. Trupanion paid then and there, that day their portion of the claim and I didn’t have to do a thing! So impressed with seamless and easy transaction. They kept me in constant communication. Very happy with both vet and Trupanion..
Insurer: Trupanion
By: Maureen
Quick response to claims
Quick response to claims, easy to understand EOB’s
Insurer: Spot
By: Patricia Wicker
Lack of communication
I asked for estimated coverage twice and didn’t get answer. Called no answer. Didn’t know wellness was going to be used for coverage. Kind of ridiculous that cleaning teeth isn’t covered as health expense since her gums were swollen.
Insurer: Embrace
By: Peggy Lucero
Adjustments to vehicle policy
I recently retired and would not be using my vehicle to commute to work every day. I was curious to know if a reduction in kms per year would reduce my premium. I also inquired about taking insurance off a vehicle if it was not going to be used for an extended period of time. I received a quick response and was provided step-by-step instructions on how to update my information which was great. I am a happy camper!
Insurer: Sonnet
By: Jodi H
Game changer
Game changer. We have 3 dogs, all of them have a plan with Healthy Paws. Recently, one of our dogs underwent a major surgery that was extremely expensive. Decisions have to be made quickly and cost is always a factor. However, that's why we got insurance in the first place. Healthy Paws covered 80% within about 10 days of the initial claim and continue to cover 80% of her medications afterwards. Their customer service is excellent and they genuinely care about your pets. We are so grateful for everyone at Healthy Paws. I wish human health insurance was this good!!
Insurer: Healthy Paws
By: gina martocci