"After not having pet insurance for our 9 yr. old Bichon-Frise, my husband and I decided to finally purchase some for him. We had not been able to find anything we liked until we read
' column on pet insurance in The L.A. Times. ...more He is a respected writer and after having read his column we decided on
. We pay $49./month and have an annual deductible of $500. which seems fair. I did mention that he had 2 pre-existing conditions (Dry eyes and hot spots) which I understand is not covered. Fine. What I am having a difficult time understanding is that once we had signed up, we got an email saying
would be covered starting on June 1, 2014--the day after we had signed up. Ok--he's covered. Great, I thought. Well, not so fast. I go on to read that he will not be covered for accidents or illness until the 15 day waiting period is up! For heavens sake, those are the things that are covered under his health insurance and why I signed him up! How can they say he is covered on June 1, but not for accidents or illness?!! This makes no sense to me. I am sure
wasted no time putting our first months payment into their bank and yet my dog really isn't covered until June 15!!
At this time,
is healthy and ,yes, I did contact
and got a form letter in response from a woman named
telling me what I already knew. I again wrote to her asking for an explanation, but have not heard back.
From the excellent reviews this company has received, I am sure if and when (after 15 days)
has a problem, I will be reimbursed, but I am still having a hard time understanding the wait--especially when I am told he is covered immediately!! "
Rated Review by Robin O.
"My 7 year old beagle became very ill on a Sunday night and we took him to the emergency vet clinic. He had an intestinal blockage from eating rocks(!), which were blocked due to a slow growing tumor that had gone undetected by his regular vet. (There ...more would have been no way to detect it without an ultrasound.) He had to have an emergency surgery to remove most of his large intestine, the tumor and the rock blockage. The next day, he became septic from internal leaking and a surgeon was called in to operate again. We were told at this time he may not make it through the surgery, which was devastating. Miraculously, he did make it through the surgery, even after having his small intestine completely removed, and was in intensive care for around 10 days. During all of this time, the emergency clinic, then the surgeon, kept us informed of the mounting expenses for our boy's care. I told them I was not concerned because I had the best policy
had to offer and was sure we would receive a good bit back from the insurance. Boy, was I ever wrong and dumbfounded.
requires that you file the vet bills with them for reimbursement. Unfortunately, no vet that I know of will accept the insurance up front and bill you the unpaid balance, as "people" insurance will do. I called
immediately and told them that I had substantial bills from the er and specialists, and asked specifically what I could do to expedite reimbursement of these claims, since I was now in debt a lot of money on my credit card. I was told that there was nothing that could be done to expedite reimbursement; basically first come first served, but to have the vet clinics give me detailed medical notes on everything so that
wouldn't have to ask for them. So that's what I did. It still ended up taking up to 3 weeks for the first reimbursement, which was from the surgical clinic, and I just knew it had to be a huge mistake. The surgical clinic's bill totaled approximately $9,200.00, and I received approximately $3,300.00 back from
. I could not believe it. I called them and was told, hey, that's a very good reimbursement! Are you serious? I bought the best policy from you available (at that point I was told, well, we actually have a better policy than that now, you mean you weren't notified?) and counted on you after never having filed a major claim with you, and this is a good reimbursement? I was told that they have a schedule (where they came up with these numbers I have no clue) that they abide by, for example, the surgery was $4,600.00, and they only allowed $600.00. He then had the nerve to ask me why the surgeon charged so much! I told him that I wasn't exactly discussing specific charges with the doctor when I was more worried about my dog's survival. He was of no help whatsoever, and then weeks later when I received the second reimbursement check for the emergency vet bill, I was even more shocked. The emergency vet's bill totaled around $5,100.00, and
reimbursed me almost $1,100.00. So, for over $14,300.00 that I had to pay,
only reimbursed me around $4,400.00. I called and emailed them again to voice my concern but never received any responses from them. They are the worst pet insurance to deal with, and I would tell you to run, not walk away from purchasing pet insurance from them. "
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When it comes to covering the cost of a single pet health incident or condition, pet owners are paying more than ever before, nearly 14,000 claims in 2010. Here are the top 10 conditions.
Angie's List In The Press
Sample Pet Insurance Plans Reviews
"I recently adopted a cat and purchased an insurance plan through
, and was I glad I did! About six weeks later my cat needed surgery for what turned out to be a blocked
duct. The vet bills were staggering (I live in Manhattan, so you can imagine!).
paid out on my claims in less ...more than a week! I (and my credit card company) were thrilled! I was very happy with their service and their follow up emails to check on how my cat was recovering. I highly recommend
fool you by saying they cover preventative maintenance for your pet. Consider your pet like a car. You still have to change the oil it is part of the ownership. They upcharge you on that service only to use it once a year for shots. Over the 4 years I had the insurance I only made ...more 3 claims which none of them fully paid out. My final claim is what set me off. Out of the 500 some odd dollar bill they only paid 120 of it. They asked for medical records and then it took them over a month to deny the claim calling it all pre existing. However it wasn't as I have had this plan since I had the dog. don't be fooled by their gimmick in advertising they are in it to make money not take the bourdon of owning a pet off your shoulder. I would recommend that people stay far away from this company because not only will they deny claims they will take 20 plus days to reimburse you the partial claim. I now left to find a new company and I will now pretty much hAve to accept it as a pre existing condition since my dog is now 4 years old. "
since my dog was a puppy. (he's 7 now) Anytime I submitted expenses to them they were rarely reimbursed. I was not happy with the service. Recently my dog began having seizures. I am taking him for acupuncture treatments which
claims they reimburse. Well my recent reimbursement was ...more $10 of a $72 bill. When I questioned why I was told my yearly limit for "epilepsy" was $168. When I questioned this I was told I should have read my policy better. What pet owner plans on their dog having seizures. And what pet company only reimburses $168 of that disease when it is an ongoing disease. He is not going to stop after $168. I feel like I have wasted my loyalty to this company. There are many other companies out there that do not screw you over!! don't use this one!!! "
"My cat was rushed to the local emergency clinic. He required treatment at the facility as well as follow up care. I submitted my paperwork to
. On the day that I submitted the documents, I called with a question. The representative who I spoke with was friendly, professional, and helpful. She answered my question. Everything ...more was processed immediately and I received my reimbursement check. ALL expenses that I expected to be covered were -- no games.
I have filed two claims with
. I have had the same positive experience both times. Purchasing a Health Paws policy was an excellent decision. "
"We purchased pet insurance for our rescue puppy. They were not sure what breed she is, but that she would be a very large dog. After having large dogs in the past I know how expensive it can be - so we dicided to get this insurance when it was most affordable. After researching the plans with all of the carriers and online/angies list reviews we settled ...more on
. We did not need the state-of-the-art package, but we wanted to be covered for the large issues. We also opted for some well-care reimbursement.
We paid the $70 (two month premium)up front installment and the packet would arrive in 2 weeks.
Well, to no fault of
the dog did not work out. Unfortunately she had to be returned to the rescue and because I called in the original 10 day cancellation window we received a full refund. The gentleman on the phone was also very compassionate and understanding about the situation. We had a refund within 5 days of the request.
I will be sure to use
"My dog recently ingested a large amount of cotton and had to be taken to the emergency vet. 2 days and 10 x-rays later he was released after costing me $1200. I received Sheltercare as a free option when I adopted him from the Humane Society and decided to continue with their service monthly, I've been with them for 2 years and pay $20 every month. ...more I sent Sheltercare all of my dog's medical records with the claim form after the ingestion incident. A couple days later I received confirmation via phone call that they have received the claim and it was then put into processing. I called a couple weeks later to check on the status and talked to a very professional man who told me exactly how backed up they were and when to expect notification of the completion of the claim. A couple weeks passed from the phone call, but the next communication from them was a check in the mail for the $1200 minus my $100 deductible. A letter was included outlining the breakdown of payment. I'd say overall it was about 5 weeks from the time the claim was submitted until I received the check. I was very pleased with the process and think it's a great investment for anyone with any sort of pet. "
"My dog had emergency surgery out of state. The claim form and bill was faxed to the company on Monday. Wednesday I received an EOB of payment and received the check one week from the day they received the claim. I then received a follow up email checking on her recovery. Great service and customer care. Everyone should have pet insurance .
...more is great. My dog is only three years old. $28.00 per month insurance and the claim paid was around $3300.00. "