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Healthy Paws - SImply fantastic
We've had Healthy Paws since we got TJ as a rescue and they've been simply fantastic. Unfortunately we've had to use their services far too often for TJ but each time their online claim service was super easy and efficient. I've set my payment option for direct deposit to my checking account and usually within three days of claim submission the payment is in my account. As with any pet insurance policy the rates do go up every year but I feel their annual monthly premium increase is quite reasonable and they never raise your rate other than the normal annual policy rate increase no matter how many claims you submit in my experience. The few times that I've needed to contact them by phone they've always been very efficient and helpful in resolving my issue. When originally shopping for pet insurance they had the best rates and coverage. They get ten stars in my opinion.
Never again
March 2023. Spent 3 hours on phone with customer service to determine if this company was good for my pet. Went with them only to discover they promised the world and delivered an island when it came to paying on policies. May 2023 pet died due to cancer. Reason for non-payment was pet had "pre-existing condition" but never said what it was. Can't by law deny claim without listing condition. Refused to pay claim of over $900. That was for my pet who passed. Enrolled new pet in June 2023 - cat, 2 years, while waiting for payment from deceased kitty's visit to emergency hospital to find out what was wrong. On new pet they have decided not to cover his special food because of another "pre-existing" condition. How could I know of a pre-existing if I just got the kitty and issue didn't develop immediately? Last straw was they refused his dental cleaning expenses because according to them, "He had SOME tartar." If he is free from tartar for a year, they claim they will pay. When is a human or pet ever FREE from SOME tartar. Stay away. Just a scam! It was a vet who discovered their sneaky way of getting around paying claims.
Insurer: Embrace
By: Sharon
Don’t waste your money with this…
Don’t waste your money with this company! I paid premiums for years on several of my Goldens and referred a ton of my clients to them. Never filed a claim unless it was for something major. They used to cover almost everything and were prompt to reimburse. Not any more. They barely covered half of his ER visit and nothing g for his cremation and took forever to process the claim. Will never use or recommend ever again.
Insurer: Trupanion
By: customer
New to this company
New to this company, and so far no complaints My first claim submitted was completed in a couple days, and reimbursement was just as fast. +-
Insurer: Pets Best
By: Nancy
Prudent pet is such an amazing company
Prudent pet is such an amazing company. No hassle reimbursement, the adjusters reached out to me immediately when they had a question, they helped retrieve some of my cat’s records from a problematic vets office and I got reimbursed for my cat’s medical within 48 hours of filing a claim. The best part about it is, I did not even realize I had a policy during the time my cat got injured and I was still able to go back and file a claim! Awesome company for pet insurance! Highly recommend!
Insurer: Prudent Pet
By: Rebeca Khoury
PREMIUM INCREASE
I submitted no claims during the first year of coverage for my 4 year old German Shephard mix. The renewal premium increased by 32%.
Insurer: Figo
By: ZEUS
Thank you
Thank you for making the claims process simple and paying so quickly!
Insurer: Spot
By: Cynthia Dykhouse
The process is extremely easy and…
The process is extremely easy and customer service is very helpful.
Insurer: Embrace
By: Melanie Romalin
Abusive premium increase
I have never needed to claim, I am lucky I have a young healthy dog. Sadly my premiums have gone up very quick even if she’s only 2 1/2 years old. First time it went up 37%… which in my opinion was a bit abusive. Then again this year it went up another 48%… that’s more than 80% in 2 years. Other insurances went up, but not early as much as this! I had a fire at my house and claimed for more than 200 000$ and my premiums went up less than 10%. 80% in 2 years, I’m wondering how they can find this acceptable. Soon people won’t be able to afford this insurance. Starting to regret my choice and feeling scammed.
Insurer: Trupanion Canada
By: Natalie