|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.|
|01-04-2014 01:53 PM|
|01-04-2014 12:41 PM|
|Jax08||Embrace is almost double the price as Healthy Paws and Pet Plan for the same monetary coverage (90%/$500). Trying to get my hands on a full policy from Healthy Paws. The only thing on their website is a list of exclusions.|
|01-04-2014 12:32 PM|
This clause wild keep me away from them unless its a new pup.
12 months wait is ridiculous for minor things. Skin problems are part of that 12 month if they had something already.
Also way to expensive for what they give in my zip code.
Pre-existing Conditions That Embrace Considers Curable
If your cat or dog has had any of the following prior to enrolling in an Embrace plan any related recurrence will be excluded for 12 months from the date of the last episode:
Urinary tract/bladder infections
Vomiting, diarrhea, and other gastrointestinal disorders
Other curable conditions
If your pet's medical history shows no further episodes subsequent to this then, at our discretion, we will reinstate coverage for these conditions.
If your pet has been diagnosed with a disease of an anatomical area where the underlying cause was undetermined any diagnosis of the same area within 12 months would not be covered. For example gastritis and colitis are both general diagnoses of inflammation, but do not get at the cause of the disorder.
|01-04-2014 12:20 PM|
I looked at healthy paws last night and ripped apart the policy. I didn't see anything I didn't like. I even priced out my new pup. I did not even look at what I am paying on Petplan to compare costs.
I have had such good luck with Petplan I would be reluctant to switch.
I would never do truepanion since I have not fixed either of my dogs. If you add the rider it doubles the price. A really good thing about True is they have vets that can get instant approval so you do not have to lay out money.
Embrace I may have looked at a while back. I can revisit that
|01-04-2014 12:04 PM|
Found it in a link buried in a thread
However, it still says very little about Embrace or Healthy Paws so doesn't do me a whole lot of good.
|01-04-2014 11:55 AM|
|Jax08||I did spend significant time searching. Both on here and on google and I did not see a single post from you on Healthy Paws or Embrace. if you have that thread handy, please post it.|
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