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post #1 of 12 (permalink) Old 04-05-2017, 07:35 PM Thread Starter
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Pet Insurance

Re: pet insurance.

What is your recommendation as far as insurance for a working dog? Best coverage, cost, ease of use and claims etc?
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post #2 of 12 (permalink) Old 04-05-2017, 08:23 PM
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I would look at healthy paws. I have Pet Plan and I loved it. But they made a recent change that increased my annual premium by about $400 and higher deductibles.

Linc Remington vom Sequoyah Haus, "Remi"- D.O.B 2/3/14

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post #3 of 12 (permalink) Old 04-06-2017, 12:39 AM
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I have had a pretty good experience so far with Healthy paws but it does go up about 10% every year.

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Dutch Shepherd - Ptygo (Tee-Go) de las Flores
Rescue GSD - Freyja (Husband's Dog)
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post #4 of 12 (permalink) Old 04-06-2017, 03:28 AM
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Nationwide has been good for me, I have the basic plan. Some vets fax the form over for you. All insurance companies won't cover pre existing conditions and quickly label such. If I ever get another puppy, it will be insured the day I bring it home as they tend to get tummy bugs then are subsequently excluded from future GI issues, that's my experience anyway.
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post #5 of 12 (permalink) Old 04-06-2017, 03:32 AM
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I would also recommend looking into Healthy Paws. I have them on my female GSD and haven't had any problems at all with them. I have Tupanion on my other two dogs. While their policy is good and their customer service is excellent, they have raised our rates 20% every single year we've had them.
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post #6 of 12 (permalink) Old 04-06-2017, 09:33 AM Thread Starter
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Originally Posted by GypsyGhost View Post
I would also recommend looking into Healthy Paws. I have them on my female GSD and haven't had any problems at all with them. I have Tupanion on my other two dogs. While their policy is good and their customer service is excellent, they have raised our rates 20% every single year we've had them.
Healthy Paws seems to be getting all the votes will definitely give them a look.
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post #7 of 12 (permalink) Old 04-06-2017, 11:50 AM
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Another vote for Healthy Paws. They've been great under the circumstances in which I'm dealing with them.

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post #8 of 12 (permalink) Old 04-06-2017, 12:55 PM
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Same - although again, keep on top of it if you run up against what they call a "pre-existing condition" (in quotes because my dog's was not, and they agreed with my position once I called them).

Their customer service people are really nice and easy to talk to.
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post #9 of 12 (permalink) Old 04-06-2017, 07:10 PM
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Healthy Paws has been very good for us.
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post #10 of 12 (permalink) Old 04-06-2017, 08:06 PM
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The question was about insurance for a working dog so I'm honestly not sure whether Healthy Paws would work for you. Here's the language I found in their policy:
"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."


I would not rely on pet owner experiences to evaluate how that exclusion is being interpreted and applied. I think you need opinions from other working dog owners who've had claims with HP, since they're the only ones with insight into how that exclusion works. This is why I'm always harping in the insurance threads for people to RTDP (read the dadgum policy)--there's stuff like this buried in there that could really matter.

Last edited by Magwart; 04-06-2017 at 08:09 PM.
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