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They WILL find a way to deny your pet!!
Update: I received the canned response from Pumpkin about pre-existing conditions. I have filed an appeal because my dog’s treating doctor agrees that there was NOT a pre-existing condition and the previous visit was completely and totally unrelated to the claimed visit. We will see if they listen to the actual doctor who treated my puppy, but so far they still maintain it is a pre-existing condition despite what the licensed veterinary doctor says. ****previous review below**** While I understand that insurance companies exist to make money, there is a point where the coverage that is advertised as covered is nowhere near what is actually covered, which results in customers who trust this company with the health of their beloved pets only to be completely let down. I signed up for Pumpkin and then had an issue where my 3 year old chihuahua woke up and did not want to eat and was nauseous. I took her to the vet, who said something must be bothering her tummy, and gave her anti-nausea medicine. She was fine a day later. My claim was then DENIED by Pumpkin because 170 days ago (before she was covered on the plan) she had an upset stomach and we took her to the vet where she was given medicine for a day and was completely better. Because she had not gone 180 days without any GI symptoms, I was told this was a pre-existing condition. AN UPSET STOMACH IS A PRE-EXISTING CONDITION!! This can be caused by viruses, bacteria, parasites, trauma, ingestion, as well as other physical ailments that manifest as nausea in dogs, but somehow an upset stomach, regardless of the cause, IS A PRE-EXISTING CONDITION!! Now, my poor chihuahua must go another 180 days WITHOUT ANY GI SYMPTOMS AT ALL or no matter what it is, it will not be covered. To me, this means the company who advertises caring about your pet is actually trying to ensure that your pet does NOT get the help they need. There is no trust here, and I am severely disappointed. I believe there is a way to make money with pet insurance without completely eliminating promised coverage at the expense of the health of your pet.
Insurer: Pumpkin
By: Anthony Gomez
BUYER BEWARE
BUYER BEWARE! READ THE FINE PRINT! Healthy Paws will hide behind its policies to deny claims, no matter how unreasonable and despite letters from veterinarians to the contrary. But they are very happy to take your premium payments for many years. Shameful.
Insurer: Healthy Paws
By: Caroline
The claim process is easy & fast
The claim process is easy & fast. Very friendly helpful customer service people.
Insurer: Spot
By: Mm
Fast response with our very first claim…
Fast response with our very first claim for Rocco 👍🏻
Insurer: Spot
By: Virginia DeRiggi
How friendly and listening to what I…
How friendly and listening to what I actually was saying thank you
Insurer: Spot
By: Jose Morales
I’ve never had insurance for my animals…
I’ve never had insurance for my animals but I knew at my age on a fixed income and a brand new puppy I should check it out. I found Spot to have the best and affordable coverage even with preventative.
Insurer: Spot
By: Debbie Griffin
I'm glad that we have this service!
I'm glad that we have this service for our dog since it has been a huge help. My only complaint is that when I first got a message saying that the items needed to be itemized, I didn't know what they were referring to since everything appeared to be itemized. The second time I got that notice, I called and the agent that helped me told me that it was a generic message. But she was able to help me figure out what was missing.
Insurer: Pets Best
By: Matt Leikam
BUYER BEWARE
BUYER BEWARE! READ THE FINE PRINT! Healthy Paws will hide behind its policies to deny claims, no matter how unreasonable and despite letters from veterinarians to the contrary. But they are very happy to take your premium payments for many years. One short email from them requesting initial medical records as a gating item would have saved me thousands of dollars. Shameful.
Insurer: Healthy Paws
By: Caroline
Latest 1 comments
We're sorry you were not satisfied with your plan. We do our best to be transparent throughout our website, during the enrollment process, and in the plan documents available to each client in their online Healthy Paws account regarding the limited exclusions of our plan. Those exclusions are pre-existing conditions, preventative/routine care, and the office visit fee (veterinary exam fee). Anyone visiting our website can see this information under our "Frequently Asked Questions" and in the sample plan. As per the plan we do require medical records for all enrolled pets to process claims, including a copy of the required enrollment examination. In situations where there is not a ton of medical history available, at minimum we require the notes from the enrollment exam as outlined in your plan documents to process claims. Based upon the medical records for your pet, we could not provide coverage for the claims in question due to it falling into one of the limited plan exclusions.
Aucun service
ESSAYONS DE CONTACTER PAR TELEPHOINE DEPUIS 3 JOURS SANS RESULTATS. MISES EN ATTENTE INDEFINIMENT. NOUVEAU CLIENT AYANT REMPLI TOUTES LES CRITERES. C'ESTEXISTAIT PAS. QUI FAIRE???
Insurer: Pet Assure
By: Pierre