Stay away from this insurance company. They would try all possible ways to NOT PROVIDE insurance benefits to the customer. When I first enrolled with them, I provided all the medical records and confirmed my pet has no pre-existing conditions. Within my first 3 claims, since they were all within my deductibles, the claims were quickly processed through. And of course, I received no reimbursement whatsoever. I paid all vet visits out of my pockets. Up until my fourth claim, once it hit the limit of deductibles, they started causing troubles with us, asking me and my vet sending all the prior lab results and past medical records multiple times. We basically had to submit similar documents repetitively to them. And even so, we complied. And the claimed took them 24 days to process. After that, they sent me an email, stating that my vet visit was due to an ongoing condition prior to my enrollment. So it was not within coverage. That was clearly a lie. The tail injury on my pet was superficial and it only occurred after my recent move to a new apartment. I was enrolled with them for more than 7 months. Plus, upon my enrollment, we both confirmed my cat has no pre-existing condition. After rounds of document exchange and conversations for this claim, I don't want to go into trouble again to call and challenge them. And this honestly doesn't even worth my time. I advise all of your pet owners out there to AVOID HEALTHY PAWS PET INSURANCE at all costs.
Verified