seeh2o
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Posts posted by seeh2o
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Try Prudent Pet. I jumped ship and signed up with them. A friend did it, too, and she just submitted her first claim. Had a very very good interaction with customer service when she had a question. Customer service is not outsourced and the person actually listens to you and responds appropriately, not from reading a script.
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On 1/16/2020 at 11:51 AM, Here4thedogs said:
Hey guys another Southern Californian here with Healthy Paws. Searched Google for premium increases and found this forum. I own a couple Dobies and feel your pain when it comes to rate increases. Just like seeh20 I've experienced almost identical rate increases over the last three years. Started out as only 10-15% increases until last week I was notified of a 36% increase going from $165 to $221 for two Dobermanns. I've had many claims for both over the years and am convinced it's because of that on top of overall health-care costs increasing nationwide.
However, their explanations as you've seen on here are less than satisfactory. As I've explained in numerous emails to them I'm just trying to forecast future costs to ensure I have proper coverage for the remainder of their lives. Their ages are only 3 and 5. I actually wanted to insure our other 4 pets, but will avoid doing so until I get further clarification from them. Here's what "Ren" said in his last email when I questioned him on everyone in CA is getting hit with the same increase:
"Every policy owner within California did experience an increase, but the percentages may have varied SLIGHTLY as we also go as specific as the zip code that you and your furry friends reside in. Your rates don't change due to you filing a claim."
Sounds like bs to me as I've referred two of my coworkers over the years who live in the same city and same zip. One saw an increase of 13.8% for three dogs (with claims) since Jan 2019 while the other saw an increase of 15% for his two dogs (with claims) since July 2017. The fact that I'm seeing a 36% increase in the SAME area in CA just doesn't add up. It's one thing to pay astronomically high health insurance for our pets when you know what to expect, but it's another to blindly raise rates and lie saying it's due to the area I live in and not because of the breed/previous claims. After seeing your posts I sent another email out Today providing them evidence that's contrary to what they've been telling us. I'll share my response if I receive one.
What do you think of getting Californians who have been hit t with these big - inconsistent - increases and as a group, reporting it to our state insurance commissioner? I know a number of people in my greyhound group and at work who have been hot with huge increases and are not happy about it.
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The reporter came to our Homecoming and followed the dogs through the whole process from picking them up at the pet kennel in TJ through the homecoming and fostering process. Nice article and great photos.
https://www.latimes.com/lifestyle/story/2020-01-24/racing-greyhounds-pets-adoption
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Not Healthy Paws anymore. They used to be great. I just left then and signed up with Prudent Pet.
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Insane increase. What state do you live in?
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Please add Rico aka Clooney. He was only 2.5 years old, died very quick of an aggressive liver cancer. Poor boy had only been in his new home a few months.
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Check out Prudent Pet. I just signed up with the after Healthy Paws did the same thing to me - plus they've shipped their customer service overseas, really bad form.
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I just signed up with Prudent Pet. Healthy Paws has jumped the shark. They've outsourced their customer service overseas, over paid one of my friends, keep denying my other friend's claim (she took both her dogs in, submitted claims wish were clearly separated by soon on the invoice) because they keep mixing the claims up. She asked to speak to a supervisor and was told they couldn't find one, but they would "make an appointment" for her to speak with one. What sad decline of a once really great company.
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Thank you
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I heard back from what I believe to be "Patrick" who wrote me before and he wrote me right away. Never addressed the issue of the 15% discount, but he was quick to point out how much I have sent to them in claims and how much they have reimbursed me since 2011. I was impressed how quickly he responded, was not impressed with his response. I don't think they want me as a customer any more, given the last part of his email:
Thank you for your feedback. I do empathize with the position you are in, as I have two dogs of my own who mean so much to me. Their care is extremely important to me and a decision like yours would be very difficult for me to process.
In the time that you have been with us, the pet insurance industry has changed and grown significantly. Pet parents, who in the past may not have been able to afford life saving or altering treatments for their pets now have the ability and choice to do so. Of course, with the increased usage of the insurance, premiums have had to increase to meet those increased needs. We do try very hard to keep our rates affordable while also continuing to provide unlimited lifetime coverage.However, this unlimited coverage does require us to ensure that we maintain as much of a balance as possible between the incoming premiums against the outgoing reimbursements. With the higher cost of available care in California, comes the unfortunate higher cost of premiums over time. As you indicated, you have been a valued member of Healthy Paws for many years and in that time we have helped cover over $34,000 in claims and have provided over $27,000 in reimbursements for you and your furry family.I hope that during your research, you will find that even with the increased monthly premiums, Healthy Paws still provides a level of service and coverage above that of the other companies. To help you in your research, I have included a few websites that provide a comparison of the various coverage options available.
If after performing your research, you decide that you would prefer to go with another company, you can follow the link below to cancel your policy or you can respond to either of my emails and I will help you through that process.As I indicated previously, I am open and available to discuss this further with you, either over the phone or through email. I truly am sorry for any difficulties that this situation has placed on you. Please let me know if there is anything further that I can do. -
Well, the plot thickens. I have an email from April 2017 stating that I had a 15% discount applied to my account because of my workplace. I and a friend who has HP, called to see if our discount was still current. Hers was, mine was not. I was told that it had never been applied. They saw the email that was sent to me stating that it had been applied.
What are the odds that they will 1) honor the discount and/or 2) retro my over payments to them for the last 31 months? It will be interesting to see what they have to say.
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45 minutes ago, GreyTzu said:
There is a Denamarin Advanced now.
Thanks for that, I just shared it with her. Have you tried it on any of your pets?
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Reviving this thread as a greyhound mix I know has an elevated ALT, it's 361, was 315, went down to 300 on Denamarin, came off Denamarin and it went up to 361. Dog has no symptoms, though lost 2lbs when being boarded. Question: can a TBD cause something like this?
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On 11/3/2019 at 3:47 PM, seeh2o said:
Please add Kimberly, she passed last week. Her companion Greyhound Louise, passed suddenly yesterday, so I guess she becomes a November angel. I'm so so sad for their family, they lost them days apart. Kimmie was not so unexpected as she was 14, but Louise was much younger...no one saw that coming.
Ducky, I think you may have missed my post above. Please add Kimberly in October and Louise in November. Thank youu
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That's a 98.2% cumulative increase from age 7 - 15. I didn't include the increases from age 4 - 6 (I wasn't sure what they were).
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1 hour ago, NeylasMom said:
I would love to see them if you don't mind posting, thanks!
Sure!
Rate increases start after age 3 and go up from 6% - 20% until age 13
@7 years 20%, 8 years 16.7%, 9 years 14.3%, 10 years 12.5%; 11 years 11.1%, 12 years 12.5%, 13 years no increase, 14 years 11.1%, 15 years no increase.
Those are some pretty hefty increases, especially cumulatively.
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Thanks, Jen! I'll keep you posted on what I hear from him, you do the same, too, please!
I had a very interesting call with ASPCA pet insurance, they actually gave me their set rate increases for each age. If anyone is interested, I'll post it as I did write it down. It's steep enough that I decided not to go with them. I had been considering them over over Pets Best.
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Please add Kimberly, she passed last week. Her companion Greyhound Louise, passed suddenly yesterday, so I guess she becomes a November angel. I'm so so sad for their family, they lost them days apart. Kimmie was not so unexpected as she was 14, but Louise was much younger...no one saw that coming.
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On 9/9/2018 at 11:38 AM, NeylasMom said:
The CEO reached out to me and explained why and assured me it wouldn't always be like that. So when I saw last years I wasn't thrilled. Increases happen on your policy renewal so we're due for another one soon. If ours is high again I will be contacting them.
Would you share his email address with me, please? I am getting ready to switch to PetsBest and want him to know why before I do it. I hate to do it, but I can't deal with the rate increase that's supposed to take effect this month.
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LOL, yes, 10 greyhounds and 1 galgo! Here is a little video of them being sooo stressed out.
https://photos.app.goo.gl/ZYzH7tpobT3UG5G47
Let me know if you have problems with the link.
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My friends were evacuated all day yesterday, so from about 7:45am - 6:45pm we had 110 greyhounds and 1 galgo at my house! They went home and the electricity was back on, too.
I can't believe in 2019 rolling blackouts are even a discussion. Our utility companies need to be public, there should never be stock holders for such things
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Bowie
She was also part of Dr. Mason's vaccine study, she was part of the second wave of it, the expanded field trial.
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She looks pretty cool, sort ifof a charcoal color when next to a jet back greyhound. I'm still trying to get a good photo of her color, but it's so hard with a black dog!
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23 minutes ago, greysmom said:
Is it because of white hairs intermingling with/diluting her black? Sort of like a steely blue roan horse? Or really like a true blue fawn greyhound color which looks sort of pinkish or lilac?
I think we need a picture!!!
I know it sounds crazy, but it's not white hair or fur, it's almost like it's turning into all silver blue or steel gray undercoat, no black guard hairs.
I would love to post a picture, I don't know how well it would show up, but I can't seem to post photos anymore now that Photobucket is not viable. If I could email one to you maybe you could post to this thread for me?!
Healthy Paws Massive Rate Increase
in Everything else Greyhound
Posted
Yikes, good to know.