I ended up going with Healthy Paws for insurance

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I ended up going with Healthy Paws for insurance

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Old 01-15-2016, 03:26 PM
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I ended up going with Healthy Paws for insurance

I hope it is as good as it's reviews. I went for the 90% reimbursement with a $100 deductible once yearly. My premium is $35 and change monthly. I figure it will be best to choose one early on while she is still a puppy with no health issues.
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Old 01-17-2016, 06:37 AM
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Glad you got your dog insured before any issues occur.

But do you know exactly what you are getting for your money? Have you read the small print? Is it a lifetime cover? Meaning if your dog is diagnosed with an illness that will need treament for the rest of his life, will the insurance payout for the rest of his life? Or does cover stop after 1 year or when the pot of money runs out? Pet insurance can be so confusing.
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Old 01-17-2016, 07:03 AM
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Healthy Paws is the one I'm looking at for my dane, but it's going to cost me double per month for her. I read the fine print and it looks good to me. I don't remember particulars at this point. I have to reread it before signing up. I like that there is no yearly cap, many of the others have it set at 5-10k or so. And that sounds like a lot, until you get into accidents and cancers.
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Old 01-17-2016, 09:44 AM
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Quote:
Originally Posted by icemaiden View Post
Glad you got your dog insured before any issues occur.

But do you know exactly what you are getting for your money? Have you read the small print? Is it a lifetime cover? Meaning if your dog is diagnosed with an illness that will need treament for the rest of his life, will the insurance payout for the rest of his life? Or does cover stop after 1 year or when the pot of money runs out? Pet insurance can be so confusing.
This one has no caps on it. I liked that.
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Old 01-17-2016, 11:18 AM
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I'm not sure what you mean by 'has no caps on it'? Do you mean that the pot of money never runs out?

My dog's insurance cover is 12,000 per annum, and if I use it up in that year, at the renewal the pot is restored to 12,000 for the next 12 months and so on. The money pot always has 12,000 in it, minus any amounts claimed in that year.

So in effect, if a dog lives 10 years, he can spend 120,000 in his lifetime. Is that how Healthy Paws work?
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Old 01-17-2016, 11:39 AM
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There is no cap per year or lifetime. This is from their site: "Our pet insurance plan provides unlimited lifetime benefits with no annual or per incident caps."
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Old 01-17-2016, 11:40 AM
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Oh and my $100 deductible is per year not per incident. I liked that too.
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Old 01-17-2016, 11:42 AM
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Sounds good.
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