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Topic Review (Newest First)
07-27-2014 10:09 PM
kr16
Quote:
Originally Posted by Ubermother View Post
Ok good. LOL! Good suggestion on her hips and elbows too. Thank you.
I would for real get the hips xrayed since this company has a 12 month HD waiting period. That to me is not good unless you are sure the hips are perfect, especially with a 4 year old. This wouldn't concern me with a puppy. Although I am sure we have some posters here who have had HD in a young dog.
07-27-2014 10:00 PM
Ubermother
Quote:
Originally Posted by kr16 View Post
The answer is always in the written policy so its yes and no lol. Its get one within 15 days of getting the policy or 12 months prior if the dog is under six. If its over six do not get this company since they will never cover HD.

I would get one before and cover the knees and hips in the examination and get it in writing they are all good.



This is from Healthy paws

5) LIMITATIONS
a. A pet less than six (6) years of age on the date of enrollment must have undergone a complete
clinical examination. The exam must have taken place either in the twelve (12) months prior to the
pet policy effective date, or within fifteen (15) days following the pet policy effective date. A pet six

(6) years of age or greater on the date of enrollment must have undergone a complete clinical
examination within thirty (30) days prior to the pet policy effective date, or within fifteen (15) days
following the pet policy effective date. Your failure to submit your pet to a complete clinical
examination may void the policy. If the policy is voided, the policy premium will be refunded.
b. For pets six (6) years of age or greater on the date of enrollment, no coverage shall apply for illness
related to hip dysplasia.
c. For working pets, no coverage shall apply for any condition resulting from activities related to
racing, breeding, law enforcement, guarding or for any commercial use.
Ok good. LOL! Good suggestion on her hips and elbows too. Thank you.
07-27-2014 09:57 PM
Ubermother
Quote:
Originally Posted by Jax08 View Post
If thye don't require an exam, I would buy the insurance, wait the required amount of time for the policy to take affect and then take them in.

FYI - no policy covers yearly exams or vaccinations. But if they should find a medical condition during the exam the meds and testing would be covered. HP does not cover office exam charges.
She's 4. They need to see an exam within 12 months prior to coverage or they require one within 30 days.
07-27-2014 09:54 PM
kr16
Quote:
Originally Posted by Ubermother View Post
Thank you.

Since she hasn't had an exam in about 14months, do you think I should take her in for an examination first or buy the insurance first? I can request a health history review but they do need a current exam.

The answer is always in the written policy so its yes and no lol. Its get one within 15 days of getting the policy or 12 months prior if the dog is under six. If its over six do not get this company since they will never cover HD.

I would get one before and cover the knees and hips in the examination and get it in writing they are all good.



This is from Healthy paws

5) LIMITATIONS
a. A pet less than six (6) years of age on the date of enrollment must have undergone a complete
clinical examination. The exam must have taken place either in the twelve (12) months prior to the
pet policy effective date, or within fifteen (15) days following the pet policy effective date. A pet six

(6) years of age or greater on the date of enrollment must have undergone a complete clinical
examination within thirty (30) days prior to the pet policy effective date, or within fifteen (15) days
following the pet policy effective date. Your failure to submit your pet to a complete clinical
examination may void the policy. If the policy is voided, the policy premium will be refunded.
b. For pets six (6) years of age or greater on the date of enrollment, no coverage shall apply for illness
related to hip dysplasia.
c. For working pets, no coverage shall apply for any condition resulting from activities related to
racing, breeding, law enforcement, guarding or for any commercial use.
07-27-2014 09:47 PM
kr16 This is a bad clause in healthy paws since I did lower my deductible and co insurance and raised my max on my dog with just a phone call.

7) You are entitled to increase your petís deductible level and/or increase your petís coinsurance amount
at any time. This request must be made in writing and will become effective the month following approval
by us. You may apply to lower your petís deductible level and/or decrease your petís coinsurance
amount provided that your pet has not previously filed a claim with us.
This request must be in writing and
will become effective the month following approval by us

This is also not great

d. Illness related to hip dysplasia that occurs or recurs within the first twelve (12) months following the
pet policy effective date.
07-27-2014 09:32 PM
kr16 A lot of policy's cover yearly exams and vaccinations. They are usually the bad companies that offer that since they hardly cover anything else. The good real companies do not. There are only 4 worthy pet insurance companies and some real pathetic ones.

If you want to get blood work covered just say your dog is sick. Get your vet on board with all this. I get a full blood panel once a year at least on both my dogs. Be careful what gets put in that chart since they ask for it for claims.
07-27-2014 08:41 PM
Jax08 If thye don't require an exam, I would buy the insurance, wait the required amount of time for the policy to take affect and then take them in.

FYI - no policy covers yearly exams or vaccinations. But if they should find a medical condition during the exam the meds and testing would be covered. HP does not cover office exam charges.
07-27-2014 08:40 PM
Jax08 How old is she? Do they require an exam first??
07-27-2014 08:16 PM
Ubermother Thank you.

Since she hasn't had an exam in about 14months, do you think I should take her in for an examination first or buy the insurance first? I can request a health history review but they do need a current exam.
07-27-2014 06:54 PM
Jax08 HealthyPaws has no clauses that I know of other than they won't cover anything that is pre-existing (meaning in existence BEFORE the policy came into effect) AND HP will cover both knees if an ACL tears. Most insurances will cover the one but not the other. HP will cover HD if not diagnosed in the first year. And I think HP is hte only one with a yearly deductible instead of a deductible per incident. I also think Embrace is twice the cost of HP but at may have been a different insurance.
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