Pet insurance - German Shepherd Dog Forums
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post #1 of 71 (permalink) Old 07-27-2018, 06:50 PM Thread Starter
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Pet insurance

Hi all, wanting get pet health insurance. Looking at healthy paws. Anyone have ? Any recommendations for other companies? Thanks all
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post #2 of 71 (permalink) Old 07-27-2018, 07:14 PM
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Location: Research Triangle, NC
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We have Trupanion and we LOVE it. We've made plenty of claims, and any time we've had a question, the reps have always been very courteous and prompt. Super easy to submit a claim online and, usually within a week, the insurance reimbursement is auto-deposited into our checking account. Very highly recommended.
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post #3 of 71 (permalink) Old 07-27-2018, 08:01 PM
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I have Healthy Paws on two of my dogs. No real complaints. They’ve covered everything and our monthly rates aren’t unreasonable. I have Trupanin on my other dog. I LOVE their coverage, but their premiums are HIGH. They have raised our rates nearly 20 percent every year. No complaints on coverage otherwise, though. I‘ve had to appeal quite a few things with Trupanion, which is a pain. But they have ended up covering things in the end. I had to appeal one thing with Healthy Paws and it was much easier to do than it is with Trupanion.
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post #4 of 71 (permalink) Old 07-27-2018, 08:07 PM
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After forgoing insurance with previous dogs, we opted to go with healthy paws with our current pup. We've only had it for 2 hours so no complaints so far.
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post #5 of 71 (permalink) Old 07-27-2018, 08:41 PM
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We’ve been happy with healthy Paws.
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post #6 of 71 (permalink) Old 07-27-2018, 08:55 PM
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I was considering either Figo or Healthy Paws. Nearly went with Figo but after advices from people, and considering the rates, I went with Healthy Paws. Only had them for 2 months, no claims so far, but their customer service is prompt and quick. Compared to Figo, with the same deduction and % coverage, I save $20 a month, with Figo's annual cap at $10k and Healthy Paws no caps. It was a no-brainer.
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post #7 of 71 (permalink) Old 07-27-2018, 09:27 PM
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Me. I have. Very happy with it. And if you are going to get it, let me know. I get $25 for a referral

Yearly deductible instead of per incident.
Will cover both knees if an acl blows out intead of just one
Will cover hips if not diagnosed within the first year of coverage
I have $250/90% for $37.
Any claims I've had to make have been covered quickly

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post #8 of 71 (permalink) Old 07-27-2018, 09:33 PM
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I went with Figo because it pays the exam fees which Healthy Paws does not and also I can adjust the reimbursemfent and the deductible. So I seleted a $200 deductible and 70% reimbursement. My premium is currently $32/month. This was also the cheapest premium quoted for my area. I did go with the 10K annual cap but there is the option to have a higher cap. Figo also will cover hip dysplasia from age 4 months whereas Healthy Paws is from age one-year. Healthy Paws was about $45 and the others were even more when I was looking for insurance for Baron last year. I will also have the option to further adjust the deductible and reimbursement at the time the premium increases. I have had one claim and it was settled in 3 days. The online form was very short and simple and all I had to do was attach the vet bill and the medical records. I also called them about a question and received a prompt reply. The Pet Cloud is really great as it stores all of Baron's records, claims, and so on. It is easy to access and keeps everything in one place. If Baron were to need vet care while traveling, the vet could access the records online.

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Last edited by Mary Beth; 07-27-2018 at 10:15 PM.
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post #9 of 71 (permalink) Old 07-28-2018, 10:48 AM
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I updated our sticky with my Healthy Paws claim experience.
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post #10 of 71 (permalink) Old 07-28-2018, 11:03 AM
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@Magwart - thank you for sharing your experience. We're heading into allergy testing and possible allergy shots.

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