(Closed) Pet health insurance

posted 3 years ago in The Lounge
Post # 2
Member
5283 posts
Bee Keeper
  • Wedding: October 2017

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bentley0331 :  

we have accident and illness through healthy paws, I’ve liked our experience with them.

 

eta, the drawback is that you have to pay the vet first and then the insurance reimburses you after. I’m not sure if all of them are that way though, it would be nice to pay a copay or deductible instead of being reimbursed after you pay!

Post # 3
Member
826 posts
Busy bee

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bentley0331 :  We use heathy paws for our pupper and thankfully haven’t needed to use it but it covers any accidents/illnesses. Does not cover pre-existing conditions/check-ups/annual shots but I think if you select a different type of coverage it might. I think the price is also very reasonable.

Post # 4
Member
78 posts
Worker bee
  • Wedding: June 2016

When we adopted our dog she came with a month of free pet insurance from 24petwatch. Sadly, our new puppy fractured her leg ( shifted her growth plate) and we ened up using that insurance before it expired and they were very good. We had to pay the vet first, and they reimbursed us very quickly the full amount. I would recommend 24petwatch. 

 

Good luck 🙂 

Post # 5
Member
4250 posts
Honey bee
  • Wedding: April 2016 - Manhattan, NY

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bentley0331 :  We take our dog to Banfield Pet Hospital (in Petsmart) and have their mid-level wellness plan for her. It’s nice that they have different coverege levels and I think they’re pretty good vets, but I can see why some would prefer a mom ‘n’ pop type of office. Our favorite vet just left to start his own practice and I’m half tempted to follow him. 

Post # 6
Member
9388 posts
Buzzing Beekeeper
  • Wedding: July 2016

we use healthy paws.
I don’t know if it’s overprotective, it just makes good financial sense imho.. ours has already paid out over 20k because our dog, turns out, had fuuuucked uuuup bones. her femurs, back knees, and one shin all needed to be cut, rotated, and screwed/pinned/plated back together. then due to a staph infection (from one of the surgeries) they had to go back in and remove the plates, as the staph was apparently hiding from the antibiotics behind the plates (wtf right?!). then, because of the staph infection and third surgery she needed PT a few times a week to learn to use the leg again, as she had decided only her other one (which healed fine) was any good, and so the muscles on that leg were way more developed while the muscles on the other one continued to degrade so any time she tested it, it confirmed to her that it was no good.

we hadn’t had the surgery she would have been unable to walk.. and she was only 3. without the PT she would likely be limping on 3 legs. healthy paws covered all of it, and they called me now and then to ask how she was doing, which was kind.

she’s right as rain now, though.

Post # 7
Member
14 posts
Newbee

I have Healthy Paws for both of my cats. I’m really glad I chose them. The plan I have covers accidents and anything major. Annual vet visits, shots, special food, etc. are not included. I chose a $250 annual deductible and a 80/20 reimbursement plan. I’ve had to use the insurance several times for one of my cats. No problems or pushbacks at all. I simply upload the invoice from the vet in the app and wait to get my check. They’re very clear about what is reimbursed and all the math is calculated out with the check which is helpful. Their customer service is really responsive too. I would highly recommend them, especially for the type of coverage you’re looking for.

Post # 8
Member
1579 posts
Bumble bee

I have healthy paws and like it thus far. I’ve spent less than I’ve gotten thus far too. 

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