Haven Pet Insurance Review

Overview

Haven Pet Insurance sells illness and injury pet insurance in the U.S. Policies are offered through Odie Pet Insurance, the program administrator, and underwritten by Trisura Insurance Company or Trisura Specialty Insurance Company, depending on the policy and state of issue.

Plans

Illness and injury insurance coverage, with an optional Wellness Plan add-on for routine care. Haven states the Wellness Plan is a routine care benefit plan and is not insurance.

What to check: Confirm which plan types (accident only, accident and illness, wellness add-ons) are currently sold in your state.

Coverage

Covered vet bills at any licensed vet in the U.S. Haven states coverage is subject to the policy’s terms, conditions, limitations, exclusions, waiting periods, deductibles and reimbursement limits.

What to check: Read the sample policy’s lists of covered and excluded conditions, not only the marketing summary.

Deductibles

Annual deductible. Haven’s current official calculator shows $250 and $500 annual deductible options. Options may vary by state and policy.

What to check: Check whether the deductible is annual, per-condition or lifetime, and which amounts are offered.

Reimbursement

Up to 90% of covered vet bills (Haven marketing). The reimbursement level you choose is shown in your policy.

What to check: Confirm the percentages offered and whether payouts are based on the actual invoice or a benefit schedule.

Annual limits

No lifetime caps (Haven marketing). Annual limit options are not listed in Haven’s published materials, so confirm them in your quote and policy.

What to check: Look for annual, per-condition and lifetime limits, and whether an unlimited option exists.

Waiting periods

Waiting periods vary by state, policy and underwriting carrier. In a Haven policy example underwritten by Trisura Insurance Company: accidents 0 days, illnesses 14 days, and orthopedic conditions not caused by an accident or injury 30 days. Haven also advertises that coverage can begin as early as the next day, but the applicable waiting periods still apply.

What to check: Compare waiting periods for accidents, illnesses and orthopedic conditions, and whether they vary by state.

Age restrictions

Haven has breed and age restrictions, but a universal minimum or maximum enrollment age could not be reliably confirmed from the available public materials. Confirm age restrictions in the applicable quote or policy.

What to check: Check the minimum enrollment age, any maximum age, and whether coverage renews for life.

Dental coverage

Haven’s official calculator includes routine dental cleaning as a Wellness Plan benefit. Routine cleaning is not automatically included in the standard insurance coverage. Coverage for dental illness and injury is determined by the applicable policy.

What to check: Find out whether dental is limited to injury or illness or also includes routine cleanings.

Prescription coverage

Medications are included among covered veterinary expenses under Haven’s Illness & Injury coverage, subject to the policy terms and the applicable prescription formulary.

What to check: Confirm whether prescription medication is covered by default or is optional.

Wellness

Optional Wellness Plan add-on for routine care. Haven states it is a routine care benefit plan and is not insurance. The services and amounts included are set out in the plan.

What to check: Compare the add-on’s price with what you would likely spend on routine care.

Claims process

Claims can be submitted through Haven’s online member portal. Haven states that policyholders can submit claims online and receive reimbursement for covered vet expenses within a few days, subject to claim review and policy terms. Direct payment to vets has not been confirmed.

What to check: Ask how claims are submitted, how long reviews typically take, and whether direct payment to the vet is offered.

Pros and limitations

Who may consider Haven Pet Insurance

Pet parents who want illness and injury coverage they can use at any licensed U.S. vet, with up to 90% reimbursement and no lifetime cap, and who will check the deductible, waiting periods and age rules in the policy for their state before buying.