Anyone have experience with pet insurers?
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Thread: Anyone have experience with pet insurers?

  1. #1
    Greg M is offline Senior Member
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    DefaultAnyone have experience with pet insurers?

    I have been researching pet insurance and am looking into a company called "Healthy Paws Insurance" based on reviews I found online. If you have a company you use or have used, how has your experience been?
    A wise man makes his own decisions, an ignorant man follows the public opinion.
    -Grantland Rice

    “One of the truest tests of integrity is its blunt refusal to be compromised.”
    -Chinua Achebe

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    kaisdad is offline Senior Member
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    I went a slightly different route. I set up a savings account in which I make a regular automatic deposit each month. Sort of my own insurance where I've made the assumption that I wouldn't likely need to spend a lot on a young healthy dog, other than the usual annual vet visit for vaccinations, etc. As the dog ages, there may be more health issues and by that time there would be considerable savings to use for care. The bonus is that if we go through life not needing to use the fund, I still have the money.

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    zoesmom's Avatar
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    Quote Originally Posted by kaisdad View Post
    I went a slightly different route. I set up a savings account in which I make a regular automatic deposit each month. Sort of my own insurance where I've made the assumption that I wouldn't likely need to spend a lot on a young healthy dog, other than the usual annual vet visit for vaccinations, etc. As the dog ages, there may be more health issues and by that time there would be considerable savings to use for care. The bonus is that if we go through life not needing to use the fund, I still have the money.
    this is what I did also. she has a nice "trust fund" now. If something happens to SU and me, she will go to my sister w/her trust fund.
    Linda and Zoë, the Umlaut
    Honolulu, Hawaii

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    Greg M is offline Senior Member
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    Quote Originally Posted by kaisdad View Post
    I went a slightly different route. I set up a savings account in which I make a regular automatic deposit each month. Sort of my own insurance where I've made the assumption that I wouldn't likely need to spend a lot on a young healthy dog, other than the usual annual vet visit for vaccinations, etc. As the dog ages, there may be more health issues and by that time there would be considerable savings to use for care. The bonus is that if we go through life not needing to use the fund, I still have the money.
    That's an interesting way of looking at it. The plan I was looking at was 42 dollars a month with 90% reimbursement and 50 dollar deductible. It has glowing reviews for customer service and paying out timely as well. I need to get a better idea of what certain surgeries or various treatments might cost to determine if the risk is high enough to warrant coverage like this. Otherwise, your idea looks like it might work for me...
    A wise man makes his own decisions, an ignorant man follows the public opinion.
    -Grantland Rice

    “One of the truest tests of integrity is its blunt refusal to be compromised.”
    -Chinua Achebe

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    Greg M is offline Senior Member
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    Quote Originally Posted by zoesmom View Post
    this is what I did also. she has a nice "trust fund" now. If something happens to SU and me, she will go to my sister w/her trust fund.
    Or you could send her to college

    I could really see this working, 50 dollars a paycheck or even a month or so would add up quickly and provide some cushion. I'm liking this idea more and more.
    A wise man makes his own decisions, an ignorant man follows the public opinion.
    -Grantland Rice

    “One of the truest tests of integrity is its blunt refusal to be compromised.”
    -Chinua Achebe

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    zoesmom's Avatar
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    What do they cover? routine exams? medication? all types of surgery? cancer treatment?
    (sorry, I'm too tired (lazy) to check their website)
    Linda and Zoë, the Umlaut
    Honolulu, Hawaii

    [

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    BauersMom's Avatar
    BauersMom is offline Senior Member
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    Quote Originally Posted by kaisdad View Post
    I went a slightly different route. I set up a savings account in which I make a regular automatic deposit each month. Sort of my own insurance where I've made the assumption that I wouldn't likely need to spend a lot on a young healthy dog, other than the usual annual vet visit for vaccinations, etc. As the dog ages, there may be more health issues and by that time there would be considerable savings to use for care. The bonus is that if we go through life not needing to use the fund, I still have the money.
    We do the same, and for the same reasons. When our golden retriever passed away his account was still quite sizeable, so Bauer started out with a good bit. We just always figured that paying into an insurance policy or paying into an account were similar; the main difference being that if we never needed the money, we would still have it. If we needed it, we would have it.
    Debi and Bauer
    Some people are like slinkies. Not really good for much, but bring a smile to your face when pushed down the stairs.


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    Greg M is offline Senior Member
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    General:
    If it's an accident or illness, and not a pre-existing condition, our plan covers the treatment. It's that simple.
    Your plan benefits include:
    The Best Protection from All Accidents and Illnesses
    Unlimited Lifetime Benefits & No Caps on Claims
    Speedy Claims Processing & Fast Reimbursement
    See Any Licensed Veterinarian including Emergency Care
    Reimbursement Based on Your Actual Vet Bill

    Covered services:
    More Coverage, Better Value. Your plan covers everything that matters including injuries, illnesses, genetic conditions, and emergency care. You pay as little as 10% of your vet bill.
    See any licensed veterinarian including specialists and emergency animal hospitals to treat any accident or illness. From something as minor as a bee sting to more serious conditions like cancer, your pet is covered by Healthy Paws.
    Covered veterinarian services include but are not limited to:
    Diagnostic testing
    Surgeries
    Hospitalization
    Prescription Medications

    Exclusions:
    Our pet insurance plan is designed to protect you and your pet from the unexpected. It does not cover the following areas of care. See our policy for a complete list of exclusions.
    Pre-existing conditions
    Preventative or routine care
    Spay/neuter procedures
    The office visit fee (veterinary exam fee)
    A pre-existing condition means that the condition first occurred or showed clinical symptoms before your pet's coverage started (including waiting periods). Our pet insurance protects you against future conditions and unfortunately no pet insurance company can cover pre-existing conditions.
    A wise man makes his own decisions, an ignorant man follows the public opinion.
    -Grantland Rice

    “One of the truest tests of integrity is its blunt refusal to be compromised.”
    -Chinua Achebe

  11. #9
    Greg M is offline Senior Member
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    Even better, here is a sample policy:

    https://www.healthypawspetinsurance....e%20Policy.pdf
    A wise man makes his own decisions, an ignorant man follows the public opinion.
    -Grantland Rice

    “One of the truest tests of integrity is its blunt refusal to be compromised.”
    -Chinua Achebe

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    zoesmom's Avatar
    zoesmom is offline Senior Member
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    hmmm...it's sort of like taking a gamble. I think some people have insurance. Hope they will see this and reply.
    Linda and Zoë, the Umlaut
    Honolulu, Hawaii

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