C.A.
Healthy Pets has been a lifesaver
I got my dog from a shelter. She was about 6 months old, starving, and in terrible shape with bites and injury wounds all over. A few months down the line, she started appearing with other injuries. After a jump at the park, she fractured a bone. After that, we learned she had luxating patellas (in both knees). Then, elbow dysplasia. She is now 4 surgeries in, on her knees, elbows, and most recently to take a pin out of her knee that had migrated. This would have cost us close to $!2,000, all of which Healthy Pets has covered. Without them, we would have been in serious financial straits, as all of this happened during the pandemic, when my husband was out of work for 8 months. I'm not a fan of everything Healthy Pets does. For example, unlike just about every single insurance company, they will not confirm whether something is covered until you submit a claim. I understand not wanting to make promises, but this is completely absurd and stressful. You should be able to submit a doctor's surgery estimate and get some kind of answer on whether it will be covered, all else being the same. During year 1.5 of the pandemic, it also took them more than a month, with a lot of back-and-forth, to approve one of my claims. But--despite the 3 surgeries at the time of the policy renewal, my insurance only went up about 3 dollars. So, while I think people's complaints are probably valid and different owners have varied experiences, mine have been great, and I will always use Healthy Pets for the first couple of years at least with a new pup. I knocked off one star because I'd like them to address the problem of not approving procedures in advance. When you're considering whether to have a surgery and shopping around for doctors, this is necessary info and there is zero justification for not doing this.