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2.0

My dog was limping. I took her to my vet who noted she showed hind leg lameness.

I decided to wait a few weeks to have x-ray taken in hopes she just injured herself running. Limping was more pronounced as time went by so I brought her in for the xrays. 6 x-rays cost $440. I filed my first claim with Healthy Paws pet insurance and was refused because they said it was a pre-existing condition.

How do you know if there is any condition at all unless you have x-ray taken? So unfair. These people are horrible.

Stay away. Please.

Reason of review: their services are very misleading. uncaring people. they just want to profit, profit , profit without considering really happen.

Monetary Loss: $170.

Healthy Paws Pet Insurance Cons: Theyre main objective is to find a way to not pay a claim.

Location: Monticello, New York

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Regino Glp

Zombie post but this is textbook victim blaming. A good service would have informed their customer they may be over paying for insurance, because your dog is obviously vulnerable right now.

Why didn't you write to the pet owner asking for the first medical appointment? To have this excuse for denial waiting in the wings. Thats why.. You should have alerted them to the fact that all this time they'd been paying for nothing, since no vet visit.

But no, company just accepts checks.

No work was done here. Yet money was made.

Guest

I take my Yorkie to the Vet (VCA) one evening as he was, I thought having a "seizure". They kept him overnight for some pre-cautionary measures.

I had not problem with that at all. VCA are extremely professional. SO I get the bill, not worried about it since I had "Healthy Paws" insurance. I file a claim, very easy to do.

Healthy Paws responds by saying they need more information, regarding his prior examinations. I tell them, this was his FIRST VISIT. They AGAIN, ask for more information, so I call them. Spoke to a Lady and reaffirmed that this was his FIRST VISIT.

She puts me on hold, comes back and says..."You never took him (Auggie) for his pre enrollment physical. I tell her, you NEVER mentioned that in ANY of our correspondence. Two days later I get an E-mail...โ€ฆ"COVERAGE DECLINED' - 'DETERMINED TO BE A PRE-EXISITING CONDITION - NOT RELATED TO AN ACCIDENT, INJURY OR ILLNESS" seems they LOVE to come up with unique and clever ways to NOT pay claims. Ive since cancelled my policy.

Id been with them for the better part of a year. Youd think that maybe...a requirement for a "pre-enrollment physical', would of come up sometime while they were collecting my monthly payment.

Guest
reply icon Replying to comment of Guest-1861346

There's no such thing as a pre-enrollment physical. They ask if you've taken your pet to the vet in the past 12 months for an exam to rule out pre-existing conditions.

If not you have during the 15 day waiting period. It's in bold letters when you sign up.

The agents don't take payments. Quit slandering over your mistake.

Guest

Your pets insurance coverage/policy had to be in effect prior to any limping being noticed. If you can get a written statement from your vet stating that your dog had no noticeable limping issues on prior check up's/office visits.

You may be able to resubmit your claim.

Its always a good idea to have your pet checked less then 30 days by a vet prior to signing up for a pet insurance policy.

This way a vet can verify and chart in the pets records/file that the pet was in good health at the time it was examined and had no known pre-existing medical issues/conditions, prior to you taking out the pet insurance coverage/policy. This helps to avoid the pet insurance carrier from claiming a pet had a pre existing medical condition and less chance for a claim to get denied.

Guest
reply icon Replying to comment of Guest-1142789

BLAH, BLAH, BLAH, BLAH! Xrays taken that tell me what is wrong with the dog is not a condition.

You sound like a God damned politian! We live in a country where common sense means nothing as long as a lawyer and a politian are involved.

Guest
reply icon Replying to comment of Guest-1143382

I didn't see this until now. You're a real *** I'm a politician?

You're a *** Healthy paws employee. Obvious as ***. I put my name ***.

What's yours? Blah, Blah, Blah?

Guest

We're never happy when we have to deny a claim for one of our clients. Healthy Paws makes every effort to be transparent about the limited exclusions of our policy.

Those exclusions are pre-existing conditions, preventative/routine care (which includes routine dental care) and the office visit fee (veterinary exam fee).

Anyone visiting our website can see this information on our "Benefits, Coverage and Exclusions" page.

Claim decisions are based off of your pet's medical records and the signs/symptoms that are noted by your veterinarian. Since your pet had been limping prior to enrollment (and therefore making it a pre-existing condition), we were unable to cover the x-rays for that particular limping issue.

Healthy Paws Pet Insurance

Guest
reply icon Replying to comment of Guest-1061517

The first thing you do when you recieve a claim is to find a way to not pay. That's a fact.

How the *** do you know she was limping from the same thing 3 months later? The first time I brought her in the doctors notes also show they couldn't find anything and she might have broke a nail. They clipped her nails. I know, I paid for it.

I guess that wasn't taken in to consideration. I brought her again after that and the doctor noted lameness in hind legs. I then waited a month or so to have the xrays to find out what was going on because she was still limping. You wouldn't even pay for xrays, let alone the condition itself.

That's a fact. Pre-existing conditions can no longer be used for human health insurance for a good reason, It's wrong. But you find nothing wrong with it, because it saves you money.

Instead of making 20 million a year you might only make 19 million. I'm sure the numbers are higher than that.

Guest
reply icon Replying to comment of Guest-1061671

Dude, take some personal responsibility. You should have read their very clear statements about pre-existing conditions on their website when you purchased the policy.

People often wait to buy insurance until their pet is sick, and then they cancel the insurance when the pet is no longer sick. It's called adverse selection.

If you ran an insurance company, you would put in pre-existing condition provisions too. This isn't Obama-care.

Guest
reply icon Replying to comment of Guest-1324800

While I agree people should take more responsibility. These kind of situations tend to happen a lot.

It is quite frequent people feel 'scammed' or 'mislead' by contracts and user agreements. Have you ever read any of the EUA/Ls from the software you installed on your computer?

Did you know that even though they have you agree to things such as not having liability, it in fact cannot be enforced in court? Which is why these companies do lose in court.

Just because it is in a contract terms does not make it legal, ethical, or moral.

Many people find policies filled with legal jargon they can't understand, or are simply confused.

Some people do in fact read them and come away with a different interpretation. I thought it meant x,y,z and not a,b,c.

At the end of the day, this persons arguments of merit are merely of ETHICS. Even if the company has the legal basis and law to protect them.

Guest
reply icon Replying to comment of Guest-1061517

Yeah, your not happy when you deny. ***!

It's why you insurance *** make so much money. It's a game you cant lose.

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