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After paying out thousands for pet care we finally decided that pet insurance was the way to go. Our Chihuahua is 16 and in really good health but on Sunday I knew there was something seriously wrong. She couldn’t urinate. Never even had a urinary tract infection that we were aware of. Rushed her to the animal emergency hospital where they confirmed that she had stones blocking her bladder. Estimate for care and surgery $10,000-$13,000. I knew we had Trupanion and didn’t think twice about how we were going to afford treating her. We paid our deductible and Trupanion paid the rest directly to the animal hospital. Otherwise, we would have to had close to $10,000 that day to treat her. None of us think this would happen to us but I witnessed other pet parents trying to pay their bill with multiple credit cards and debit cards that day. We made a very wise decision to get pet insurance and to pick Trupanion.

This company has very misleading advertising. They claim to cover 90% of the bill but they don't cover taxes or exam fees! Where I am taxes are 13% which means they cover 77% at best. They claim to not raise premiums based on age but it's clear from reviews you can expect a 50-100% increase when the dog is a few years old. (I feel they rely on cost sunk fallacy.) They don't cover dental extractions if your dog is a heavy chewers or doesn't get frequent cleanings. The deductible is per illness so if your dog starts vomitting after an emergency vet visit you will still be on the hook for the deductible again. Cancelling wasn't too much of a hassle. I cancelled almost immediately after signing up. Hopefully it gets processed quickly.

The worst of all I've worked with over the years. Claims submitted accurately and completely take weeks for any attention and then never communicating if any additional proof needed. Don't believe their 5-10 day processing nonsense. Like clockwork your premium payments are addressed though. They should put that kind of focus on reimbursing their clients

Healthy Paws is the best pet insurance provider for my 2 fur babies. Both have had significant health issues (one had 2 torn CCL and one had a spinal stroke that left him paralyzed in his rear legs for several months). We wouldn’t have been able to provide the needed care for both of them without Healthy Paws. For our paralyzed pup, Healthy Paws also covered rehab services. Very quick claims processing and payout process. Cannot say enough positive things about the coverage and service.

I just purchased Lemonade for my two standard poodle puppies. This was done at the recommendation of my "emergency" vet, Dr. Abolnik @ MY PETS VETERINARY URGENT CARE & WELLNESS clinic in Kirkland, Washington, who said Lemonade is a great insurance company...and Yep, he was right!

We had a fantastic experience with Healthy Paws. Piggy became suddenly paralyzed and needed emergency spinal surgery. This was very stressful and expensive. We submitted our invoice from the hospital and were reimbursed within 2-3 days. Healthy Paws helped turn a horrible incident into a less stressful one with their quick processing time. We would definitely recommend them!!

Apparently the policy excludes conditions that arose in a prior policy year, even if you were insured with PHI at the time. What a scam! I’ve never heard of any insurance working in this manner. Our dog developed a cyst in April but our policy renewed in May. By the time he was seen by a specialist, who is recommending surgery, we were into a new policy year and therefore this is considered a pre-existing condition so none of the specialist fees nor surgery will be covered even though we were insured the entire period. Make sure your pets’ illnesses occur in isolated years otherwise your claims won’t be paid! How ridiculous! I’m sure it’s clearly written in our policy (the lawyers would have made sure of that) but this is so contrary to how I’ve ever experienced insurance that I didn’t notice that restriction. It’s totally understandable if the condition arose before we got insurance but this is nonsense.

I have had my dog insured with Pets Plus Us since he was a puppy. I have never had a large claim until recently. I often thought that I was wasting money since my claims were small. However, recently my dg required treatment that was very costly. I submitted my claim to Pets Plus Us and within a few days I received my reimbursement. I am very happy with the service and so thankful that I kept my dog insured.

Overall they are great.

I cannot say enough good things about these people. My sweet boy, who has never had any real issues had an emergency surgery in February (a successful splenectomy). Then this month, we took him to the vet because he didn't seem to be feeling well, and after discovering lesions on his liver, we had to say goodbye to him three days later. This was the most difficult thing I've ever done, but having insurance gave us the peace of mind to have blood work done, an ultrasound done, a surgical consult, pain meds, and finally, Caring Pathways to come to our home so our Bodie could be comfortable and in familiar surroundings. Pet's Best covered what my policy said they would. We knew with the insurance that we could afford to get the information we needed to make the best decisions for our sweet boy. They handled it all quickly, and with compassion. I am so grateful.