Happi Pets pet insurance is funded through another well-known pet insurer, PetFirst, and because of this, their policies are available throughout the United States. Happi Pets as a company has 18 years of experience in business, but they have only been in the U.S. since 2014 and are based in Indiana.
The enrollment process is really easy, as it is with most pet insurers. You just need to supply your own name and email address along with your zip code, and for your pet's information, you need to give out their name, age, and breed. All of these factors will affect the plans you qualify for and the price of your premium. You'll see a list of plans your pet is eligible for, and you can see what your monthly premium would be for any of the three tiers (Lifetime 5,000, 10,000, or 20,000). The prices will change as you adjust the deductible and reimbursement percentage of your plan. Policies here are 12-month contracts that automatically renew every year, but you can cancel your plan with Happi Pets at any time anyway.
As with PetFirst, Happi Pets offers three basic plans, each with a different annual limit to coverage. All of these plans cover hereditary and chronic conditions, alternative therapy, etc. However, between these provisions and their optional add-ons, you can get coverage for almost any treatment except for preexisting conditions. This includes even breeder costs, prescription foods, and routine care.
One of the best things about Happi Pets is that they don't have an age limit for pets you can enroll in their insurance plans. As long as your dog or cat is, at least, eight weeks old, you can enroll your pet in a plan. This makes the company stand out among competitors, many of whom won't take in pets who are, say, 8 or 10 years old. You also don't need to take your pet to the vet for an exam before enrolling them in a plan; they can be eligible for coverage without this checkup.
It's disappointing to say that this is one of the weakest points about Happi Pets insurance. Member resources are really lacking with this company, and that really hurts the customer experience. First of all, there's no member portal where policyholders could otherwise log in to file claims, check the status of a claim, make a payment, view benefits, or adjust their personal information. Instead, if you need to do any of these things, you have to call or email Happi Pets and have a representative handle it. This is a major frustration, especially if you frequently need to view your policy or file a claim. A member portal makes the main difference between convenience and inconvenience, between customer satisfactions and downright frustration.
There are pros and cons to the claims process, but the main point of concern is that there are no easily accessible claim forms provided by the company. If you need to file a claim, instead of going online to download the needed form on the company's website (as you can do with most pet insurance providers), you need to call or email Happi Pets and request that they send on to you. That alone is a hassle and adds unnecessary length to the amount of time you have to wait for reimbursements. Additionally, most pet insurance companies tell you how they will reimburse you for the care for your pet. However, Happi Pets does not highlight this on their website. Most companies either send you a check or allow for direct deposit into your bank account.
The company does not disclose how long accident and illness waiting periods are while other companies make this information known. This is important because if something happens to your pet right after signing up, you might not be able to get treatment for a while.
Happi Pest gives new customers only 14 days, not 30, to test out a policy and see if they like it. A lot of companies that offer a money-back guarantee give you at least 30 days for a trial, so 14 days is somewhat stingy.