Healthy Paws pet insurance has teamed with the international insurance brokerage Aon Corporation, and the Chubb Group underwrites and issues its pet insurance coverage. Pet owners can receive coverage for accidents, illnesses, cancer, emergency treatment, genetic problems, dental care, and complementary therapies like acupuncture and chiropractic care with Healthy Paws pet insurance.
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Available Programs From Healthy Paws pet insurance
Awaiting a waiting time, hereditary and congenital problems, as well as chronic disorders, are all covered under Healthy Paws’ complete coverage. Cancer, diagnostic procedures, and surgery are all covered by the plan. Healthy Paws pet insurance customers will receive partial reimbursement for the cost of hospitalizations, medications, and emergency and specialty treatment that are covered.
Healthy Paws is unique in that it covers alternative treatments for animals, such as acupuncture and chiropractic care. The fact that vet exam costs are not covered is a drawback.
Prior to the start of Healthy Paws coverage, waiting periods apply in the majority of states. Before filing an accident or illness claim, your pet must have been enrolled in the plan for 15 days, and if it is under six years old, for 12 months for hip dysplasia. There are no waiting periods for accidents or illnesses in New Hampshire or Maryland.
There are no payout caps, incidental caps, annual caps, or lifetime caps with Healthy Paws Pet Insurance.
The optional features of Healthy Paws
Unlike some of the other businesses and organizations on the list of the Best Pet Insurance Companies of 2022, Healthy Paws does not offer optional options. Despite this, you can alter the deductible and reimbursement rate to suit your needs.
For instance, you can lower the reimbursement threshold to get a reduced monthly premium. This implies that your out-of-pocket vet costs will increase. By raising your deductible, you can lower the cost of your premiums, but you’ll pay more out of pocket if you need to visit the veterinarian.
The Pros and Cons of Healthy Paws
Pros:
- No coverage restrictions
- Any veterinarian with a license may be used.
- Since vet bills are submitted via a mobile app or online, there are no claims forms.
Cons:
- Only cats and dogs are eligible for pet insurance.
- There is a 12-month waiting period for hip dysplasia for animals enrolled before the age of six.
- All accounts must be set up for a $25 admin fee.
Healthy Paws pet insurance, which covers both cats and dogs, places an emphasis on illness and injury and has no annual, lifetime, or per-incident cap on claim payouts.
Before accident and illness coverage begins under Healthy Paws, there is a brief waiting period of around two weeks. A 15-day wait time is not unusual for businesses or agencies in our rating. Nevertheless, for newly insured pets under the age of six, there is a 12-month waiting period for hip dysplasia.
The majority of claims can take up to 10 days to process, but there is no paperwork required. You would only need to take a picture of the vet bill following a visit and submit it via the Healthy Paws app or the business website.
Although Healthy Paws does not provide discounts for many pets, its insurance plan allows you to select any authorized veterinarian.
What Is the Price of Healthy Paws?
The price of Healthy Paws Pet Insurance will vary based on a number of variables, including the following:
- Whether you have a cat or dog
- Age of your animal
- Breed
Unlike some of the other businesses in our review, Healthy Paws does not provide discounts for several pets. You will be responsible for the exam costs with this insurance, and preventive care is not covered.
Monthly premiums are what the pricing in the table below refer to.
Price Comparison For Dogs At Healthy Paws
Price Comparison For Cats At Healthy Paws
Healthy Paws FAQ
How can I purchase Healthy Paws pet insurance?
By entering the breed, gender, name, ZIP code, and email of your pet in an online form, you can quickly receive a price from Healthy Paws. Following that, you can decide if you wish to work with the provider to buy a pet insurance policy.
If you’re still unsure whether pet insurance is right for you and would like more information, read our Is Pet Insurance Worth It? guide.
Dental cleanings are they covered by Healthy Paws?
Healthy Paws does not pay for dental cleanings, pre-existing dental conditions, or periodontal therapy brought on by a lack of preventive maintenance. Healthy Paws does, however, provide coverage for accidental dental damage, such as a tooth chipped while chewing on a toy.
These dental problems are also covered by the policy:
- Dental misalignments are an inherited condition.
- Dentigerous cysts are a persistent ailment.
- A gum condition known as stomatitis that typically affects cats
Do they have a wellness program at Healthy Paws?
A wellness package from Healthy Paws pet insurance is not available for standard veterinary appointments like immunizations or checkups.
How can I get in touch with Healthy Paws’ customer support?
Call the Healthy Paws customer service line from 7 a.m. to 5 p.m. PST on Monday through Friday or from 8 a.m. to 5 p.m. PST on Saturday. A representative will reply if you submit an email form instead. According to Healthy Paws, almost all account management difficulties can be resolved online.
Are there any coverage restrictions for Healthy Paws?
There are no coverage caps, such as annual or lifetime maximums, or per-incident limits, with Healthy Paws Pet Insurance. When compared to policies that do have payment limits, this may lessen your out-of-pocket expenses.
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