|05-15-2014 03:35 PM|
I have Healthy Paws and it paid for itself already after DDog was diagnosed with Pano.
Fast payment and good service.
|05-15-2014 03:29 PM|
Natalie - the selling points for me were
1. Yearly deductible not per incident
2. If an acl blows out they will cover the second which many will not do.
3. they will cover HD if NOT diagnosed in the first year.
I spent quite a bit of time on the phone asking questions and I see more and more good reviews coming out about Healthy Paws.
|05-15-2014 02:17 PM|
|05-14-2014 05:15 PM|
Healthy Paws is what I have. I've had a few claims. Quite happy with them.
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|05-14-2014 04:03 PM|
|Jax08||I did get the Healthy Paws plan. Hvae not had to use it! I hear more and more good things about them all the time so glad I chose them.|
|05-14-2014 03:53 PM|
|01-04-2014 07:29 PM|
Reimbursement is as written in the policy and as always written to protect the insurance company.
This policy shall not cover amounts charged by the treating veterinary clinic that are greater than the
treating veterinary clinic’s standard or published charges.
|01-04-2014 06:08 PM|
Ok...just got off the phone with Healthy Paws.
Sport Dogs are covered. As long as the activities are recreational. Working dogs have exclusions.
Alternative therapies are covered as long as they are recommended by the vet as a medical necessity.
Exam fees are not covered. Preventative care is not covered. (Vaccines, Heartworm)
All diagnostic and treatment for illness or accident is covered at the level you chose.
Reimbursement is actual vet bill, not "allowed" fee.
ACL's- if the animal has been previously diagnosed prior to coverage or during the waiting period, neither leg is covered. If the animal is diagnosed after the waiting period then both legs are covered. (I've read at least one other plan that considers the second ACL a pre-existing condition)
HD - is pre-existing if diagnosed in the first 12 months.
Meds are covered for accident/illness.
Pre-diagnosed illnesses. I used Pano as an example. What she said was if the Pano was successfully treated and it reoccurred 3 months later it is not pre-existing, it's a new case and covered. My next example was Pano and 6 mths later a pulled groin muscle. Same symptoms, different diagnosis. She stated the vet records would be reviewed and as there was a different diagnosis it would be covered.
Pre-existing per their sample police is any illness/condition diagnose prior to policy effective date.
Cost does not increase with the age of the dog. Cost will be adjusted for inflation and historically it has been 0-12%.
Now to fully review Pet Plan
|01-04-2014 03:12 PM|
|Msmaria||I looked at health insurace last month and end up buying healthy paws, mostly because it would allow my 14 yr old dog. Most of the other plans wouldnt allow senior dogs or like trupanion an unspayed dog. (I do have a 500 deductable on her though). Healthy paws just seemed the best fit and was only 118 a month for all 3 of my dogs. I havent used it yet so I cant comment on claims and it wont cover my dogs hip dysplasia because its already been diagnosed. What I like about health paws was it its lifetime coverage. I had VPI years back and didnt like it much. Before you decide make sure to review their policy on diagnosed illnesses, some insurances only coverr that year they are diagnosed and then will not cover that same illness the next year.|
|01-04-2014 02:48 PM|
|Jax08||Yes. That is exactly what I have already read.|
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