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I'm so glad that I purchased this insurance. It's easy to submit a claim and the refund was fast. When my dog became ill, he needed me to be able to focus on him, not just worry about how I was going to be able to pay for treatment. Nationwide made that possible and he is improving. Facing a large, unexpected bill was scary and without the insurance, I don't know if the outcome would have been this good. If you want to be able to make decisions about your pet's health based on what is best for him/her and not based on cost alone, this is the answer.

It's been a great experience working with Nationwide for Champ.

Seek no further. Healthy Paws cares, simplifies the reimbursement process, and communicates so well! We have two doggies -- one has had health issues in the last couple of years. Healthy Paws was there for us without any of the nightmares we often hear about in terms of insurance. On the contrary, they were respectful, caring, and accommodating. The two serious surgeries our dog went through were made a little bit easier by not having to worry about money on top of the health of our boy. Luckily, he is much better now! Thank you Healthy Paws! We recommend your wonderful services to all dog and animal lovers!!!

This complaint is in regards to my dog, Ozzie. He recently had a surgery for a torn ACL. I sent in prior authorization for this claim. My dog is now recovering and his veterinarian is recommending hydrotherapy, physical therapy, dog aquatics, etc. I had never heard of that for dogs before. I called trupanion to ask about coverage. The representative stated that in order for this service to be covered, I would have needed to include it on the prior authorization form and add the service on to the policy prior to the surgery. As far as prior authorization goes, all the veterinarians that I have worked with (which have been many, as I have always had pets) put the surgery information on the PA forms, not the recovery information. Pet owners are not necessarily medical people, so they should not include too much information all at once. But rather, first talk about the surgery. Then, talk about recovery during a follow up appointment, which is what I did. 9 days after the Ozzie's surgery, I made a follow up appointment. During this appointment, the veterinarian explained more about how I should proceed with the recovery process. He stated that hydrotherapy and physical therapy would be a good idea for optimal recovery. At this point I asked trupanion. As far as I was knew, anything related to the issue was covered at 90% after the deductible was met. Why would this be different? I had absolutely no knowledge of PT and hydrotherapy being additional add on services, and I have been a loyal customer for almost 6 years. Other people have tried to even get me to switch to Embrace and I have refused because I have been content with trupanion. Apparently this information was written on the policy. I was never aware of it. Had I been aware, I would have looked into it further prior to all of this happening. I had no idea that this service would have needed to be included in the PA form. This situation is not fair to me because if I want my dog to recover best, I need to pay a lot of money for PT services. It is not fair to my dog because I will not be able to pay for that, as I do not have the extra money to do so. It is not fair to my veterinarian in that he was including surgery info on the PA, not recovery info. It does make sense to include recovery info before surgery when an apprehensive dog owner cannot handle all of that information at one time. Even with human surgeries, doctors are the same. You learn a little bit about the recovery before the surgery, such as diet or resting, but learn more in depth during each follow up visit. Every incident that has happened, I have always done the same thing. I email the claims department the invoice, they add to deductible or cover it at 90%. That is what I was doing with this issue as well. I posted that comment on the Better Business Bureau website. Trupanion basically told me to shove it and that they were available to answer questions. The company never resolved the issue and I am still unsatisfied. They are awful

Thanks for being there through our adventures!

Very nice company to have insure my Sammy

I can’t recommend this insurance enough for people who own pets. It has been a saving grace to me every time or 95% of the time they help take care of the cost for the pats if they are sick and it has been such a help to me it’s allowed me to have my pets be cared for in the right way. I would never have a pet without having insurance not only insurance but Trupanion and I have Had others and they don’t even compare close to what we have now

Our yellow lab, Sully, recently had expensive tests to determine that he has a heart murmur and Dilated Cardiomyopathy. This may be an ongoing issue that we'll have to follow up on and test on a regular basis. We're so glad we have Healthy Paws by our side, as they covered every dollar that they agreed on when we signed up for coverage, and we received our reimbursement in an extremely timely manner. They then followed up by email to check on how Sully is feeling. We HIGHLY recommend Healthy Paws! :)

Excellent claim turnaround!!

My claim for several vet visits, tests and medications was processed easily and quickly. The explanation of benefits is a little hard to understand, though. But since the total reimbursement seemed fair, I didn’t ask for clarification.