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I will attempt to make a very long winded review as short as possible. I have had dogs my entire life and for most of that time I was aware of pet insurance but I though it was a bit of a scam, meaning that it really only paid for emergency type problems and that it was not worth the cost. Fast forward to May 2020 and I get a new puppy and the woman I am dating also has a dog and she tells me about Healthy Paws and how great it is. I get the insurance for my new puppy Ruby. Healthy paws covers pretty much everything but exams, preventative medication (flea, tick, etc.) and vaccinations…. Everything else is covered. So now the long part of how much Healthy Paws helped us. All of the ordeal I am about to go into was covered by Healthy Paws except for our deductible which was 20% and any exam fees. We calculated the payments from Healthy Paws to be around $35,000 over the course of this single problem. In early 2021 Ruby started to have on and off vomiting, so we took her to the vet who did x rays and found no real problem, they though it was viral. The vomiting continued on and off a bit more so we took her to another vet for a second opinion. This vet ran bloodwork, did x rays and an ultrasound and still did not find anything. Fast forward a few weeks and Ruby vomits blood so we take her to a third emergency vet who does an x-ray and an ultrasound and discovers that Ruby had part of a squeaker toy in her large intestine and it has perforated her intestine. It more than likely was in her stomach since she started vomiting but did not show up because it is clear plastic. When it finally made it past her stomach and into her intestines it because stuck because of the size and then perforated her intestine has her body tried to work the squeaker through her GI track. Ruby had emergency surgery that day and a blood transfusion to help with the blood she lost, she spent 2-3 nights at the vet recovering and was doing okay. Because of all the blood Ruby lost she was anemic after the surgery so she required blood test every few days. As we had test, the vet noticed that Rubys red blood cell (RBC) count was not improving. After a week or so of additional testing, it was determined that the area on her intestine where it was cut and sutured by the vet had separated and the sutured needed to be restitched, so Ruby goes back in for a second surgery. Ruby recovered okay for the second surgery but still was anemic with no improvement in her RBC count. We took her to three different vets (our regular vet, the emergency vet, and University of Pennsylvania Vet school). None could find a reason why Ruby was still anemic other than the assumption she had a slow bleed from her surgery site that they felt would eventually heal. At this point we are in July of 2021. Over the next 7-8 months ruby required 3 more blood transfusions, several ultrasounds and 30+ blood test to check her RBC count and other values. Here we are today in March of 2022 and Ruby is almost back to normal. She still is requiring monthly injections of iron and monthly blood test to monitor her improving anemia and RBC count. Everything I mentioned above was covered by Healthy Paws and reimbursements to us were often made the same day, I do not think we ever waited more than 3 days for a reimbursement of a vet bill. Healthy Paws also never questioned any of the bills and we never were required to get preauthorization for a specialty vet or surgery. The only time Healthy Paws ever had anything to say about the bills we submitted was them checking in to see how Ruby was doing and wishing us well. Long story kind of short… get pet insurance. Without Healthy Paws we would have had to make very hard decisions about continuing Ruby’s care due to the cost, as the bills were $40,000+. We would have either burned through a lot of savings/gone into debt or had to put Ruby down. Fortunately we avoided both of those situations because I purchased pet insurance when ruby was a puppy. The only suggestion I can give outside of getting pet insurance through Healthy Paws is to get the lowest deductible possible which I think is 90% coverage (10% co pay) and get it on any puppy as soon as you can.

Trupanion is a wonderful pet insurance to have as they help to pay my veterinarian bills.

Our poor dog needed his dog equivalent to an ACL repaired. What should have been a relatively normal recovery turned into a nightmare. We ended up getting X-rays every month for the last 8 months, plus a couple pain management overnight stays. HealthyPaws not only processed our claims remarkably fast, but also sent us personalized emails checking in on his recovery. Well now that he’s had his third procedure we think he’s finally in the homestretch. Without HealthyPaws his suffering could have been much worse.

Love the immediate response when I put in a claim

Super easy to enroll and someone answered my questions before enrolling

I needed to add a new pet onto an existing policy that was started through my employer. MetLife was able to do everything over the phone and notify my employer to add the new pet. It was all done within 5 minutes! Very fast and easy!

Our representative was knowledgeable, kind and considerate.

My first time filing a claim was for a very sad situation with my pet and Lemonade was simple and quick when it came to reviewing and settling my claim. A great relief to have for making sure you can get the very best treatment for your furever love.

Our cat Pepper broke his leg in December and needed surgery. It was a heartbroken time for us. There were so many things to worry about from finding a hospital that could schedule surgery quickly to concerning if he could get fully recovered from the injury. But fortunately, we don't have to worry too much about the financial burden because we purchased health insurance when we brought Pepper to our family. The first reimbursement took a few rounds of communication because of the requirements of medical records. But the reimbursement arrived swiftly after there is no issue with documents. The reimbursement for later medical costs was simple and easy. Now we could see our little angel could happily jump and climb just as before. I am very satisfied with their efficient and responsive service.

I have been with Trupanion for eight years now and I really am blessed to have had it to protect my life pal, Ginger Beagle. Customer service reps have been so professional and you can tell they really love what they do. I appreciate everything that this coverage has done for my pet and I would highly recommend it for pets.