Healthy Paws Pet Insurance is an excellent option for health insurance for your cat or dog.
They don't have any caps on claims and also give back to the pet community. They also allow you to apply online for coverage.
While they don't offer coverage for your pet outside of the country they are one of the best insurance options for your pet.
Our Healthy Paws Pet Insurance Reviews:
Healthy Paws Pet Insurance is an excellent option because they don't have any caps on claims and they also give back to the pet community. They also allow you to apply online for coverage.
In this review today, I am going to show you how Healthy Paws Pet Insurance enrollment process works, what the policy covers, and why it's one of the best options when searching for pet health insurance for your Dog or Cat.
Who Is Healthy Paws Pet Insurance?
Healthy Paws Pet Insurance is an insurance agency that has partnered with ACE American Insurance Company.
ACE American Insurance Company has been around since 1945, and you probably have never heard of them.
However, on July 1st, 2015 they became the worlds largest publicly traded property and casualty insurance company with the purchase of the Chubb Corporation for $28.3 Billion. After the purchase, ACE adopted the Chubb name globally.
I have put their company disclosure in a quote block so that you can better view it.
*Disclosure - Policies are underwritten and issued by ACE American Insurance Company, Indemnity Insurance Company of North America, ACE Property & Casualty Insurance Company, Atlantic Employers Insurance Company, and Illinois Union Insurance Company, members of the Chubb Group.
ACE Limited & Chubb Limited are rated (A++) Superior by AM Best.
This is an important factor because when it comes to pet insurance, you need to know that you can rely on an insurance company and that they are financially sound.
#1 In Customer Service
Along with being backed by one of the most financially sound insurance companies.
Healthy Paws also has been rated number 1 several times from all of the top review sites for having the best customer service.
Customer service is always an important factor, especially when it comes to purchasing something for our family members.
Check out a few customer reviews from Consumer Advocate:
From: Ali M. of Phoenix Arizona
"Healthy Paws has been taking care of my German Shepherd for many years now, and Caesar would not be where he is today without them. He had multiple hip issues that required a total hip replacement on both sides and Healthy Paws was always there to step in and help cover his medical expenses. They even covered him when he needed endless amounts of physical therapy and medication while he was recovering. He is living and walking pain free because of the excellent support that Healthy Paws provides. They are the best decision I ever made and all future pets will immediately get covered by Healthy Paws. I highly recommend them to any potential pet parent!!!!"
From: Jeannette of Baird, Texas
"We didn't expect we'd actually be using the insurance before our dog even turned a year old, but between some bad luck and a bird-catching pup, we added up the vet trips. I'm so glad we had healthypaws to help with those expenses! The process was easy, their customer service was excellent when I had questions and payments have been prompt."
Every Quote Gives Hope™ Foundation
Healthy Paws has a solid foundation for helping pets. It goes by the name Every Quote Gives Hope™.
Once you get a quote, you give medical care to a homeless pet in need. When you get a pet insurance quote, Healthy Paws donates towards a homeless pet's medical care by making cash grants to pet adoption organizations.
You can check out all of the amazing stories and the pets that have been helped through this program here.
THE SIMPLY INSURANCE WAY
Pet Insurance made easy.
Agents not required.
Get quotes and sign up online without talking to an agent. But, we are here if you need us.
Unbiased, expert advice.
Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.
Coverage in minutes.
You can get pet insurance coverage within minutes of getting your quotes and applying.
Pros And Cons Of Healthy Paws Pet Insurance
Below is a list of some pros and cons of Healthy Paw's pet health Insurance product.
Healthy Paws Review - The Pros
Healthy Paws Insurance Review - The Cons
It's easy to see, the pros outweigh the cons and honestly, isn't that what you want in a pet insurance company? With just one solid policy option with different combinations. Healthy Paws makes getting covered online very easy.
What Does Healthy Paws Pet Insurance Cover?
Below is a list of things your pet gets covered for:
- Illnesses
- Accidents
- Hereditary Conditions
- Congenital Conditions
- Chronic Conditions
- Cancer
- Diagnostic Treatment
- X-Rays, Blood Tests, Ultrasounds
- Surgery
- Hospitalization
- Prescription Medications
- Emergency Care
- Specialty Care
- Alternative Treatment
Annual Deductible
I am glad that Healthy Paws offers an Annual Deductible instead of a Per-condition Deductible.
"In Plain English." An annual deductible is a cost you pay per year for covered health care services for your pet before your insurance plan starts to pay
You only have to meet the deductible once a year, for whatever condition or conditions that may happen.
So:
Let's say you have a $250 Annual Deductible with 90% Reimbursement.
It's the beginning of the year, and your pet has to go in for something like a chronic ear infection.
This can cost around $3,750 to treat. With your above plan this is how it would work:
You would pay the first $250.00 since that is your deductible and then you would only be responsible for 10% of all costs for the rest of the year.
So you would pay a total of $625.00 for the chronic ear infection. At that point, any additional issues or conditions would be covered at 90%.
With a Per-Condition deductible, you would be in a situation of paying a new deductible each time something new came up.
An Annual Deductible not only will save you more money, but also keep you from having to keep up with how many times a condition has happened when it's time to file your claim.
No Caps On Claims
Healthy Paws is the only insurance company that offers unlimited lifetime benefits with an annual deductible at no additional cost.
There is no annual maximum for the number of benefits that can be paid.
If your pet had a really bad year, you wouldn't have to worry if they would be covered.
Once you meet your Annual Deductible, Healthy Paws will cover you for whatever Reimbursement amount you chose for the rest of the year with no caps.
Some companies have your annual benefits maxed out at a specific amount.
For instance:
Some companies will only cover your pet for up to $10,000 in benefits per year.
This means that if your pet has a bad year with accidents or illness, once the bills hit $10,000 the insurance company would no longer cover your pet for the rest of the year.
You can understand that even though the premiums might be lower for your coverage on a month to month basis, your costs could skyrocket if you surpass your maximum before the year is up.
Lifetime Coverage
As long as you enroll your pet before the age of 14, your pet is covered with Healthy Paws for life, as long as you pay the monthly policy premium.
The coverage will not lapse due to age or illness.
INSURANCE WHERE YOU LIVE
Pet insurance by state.
What Isn't Covered By A Healthy Paws Insurance Policy?
Coverage Outside Of The Country
Healthy Paws will only cover your pet while you are in the United States and for a short time in Canada.
This is something you must be mindful of if you decide to take your pet out of the country.
Pre-Existing Conditions
Healthy Paws, like all pet insurance companies, does NOT cover pre-existing conditions.
They define them as shown in the below excerpt:
"A pre-existing condition means that the condition first occurred or showed clinical symptoms before your pet's coverage started (including waiting periods). Our pet insurance protects you against future conditions, and unfortunately, no pet insurance company can cover pre-existing conditions."
So:
If your Cat or Dog is suffering from a condition, before you get your coverage, Healthy Paws will not pay out on a claim for that specific condition.
All other conditions would be covered.
Preventative Care
Healthy Paws will not cover preventative care; this includes things like:
- Spaying & Neutering
- Vaccinations
- Flea Control
- Heartworm Medication
- Parasite Control
- Grooming
- Nail Trimming
- De-Worming
- Titer Test
- Dental Health (Unless It's An Injury)
THE SIMPLY INSURANCE WAY
Pet Insurance made easy.
Agents not required.
Get quotes and sign up online without talking to an agent. But, we are here if you need us.
Unbiased, expert advice.
Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.
Coverage in minutes.
You can get pet insurance coverage within minutes of getting your quotes and applying.
Reimbursement On Your Actual Bill
Unlike some companies, Healthy Paws is going to reimburse you based on your actual vet bill.
Once you have paid your Vet, all you need to do is use the Healthy Paws App to send over a copy of the bill to be paid out on the claim.
Below is an example of how it would work:
Fast & Paperless Claims
The Healthy Paws Mobile App is now allowing you the ability to just take a picture of your receipt and upload it to the app to file your claim.
This is a super simple and fast way to get the process started, no paperwork needed.
One added benefit is that if you add your banking details in the customer center, you can have your claim sent via direct deposit.
This is an impressive feature because now you no longer have to wait for a check to come in the mail, it's all seamless.
Healthy Paws Availability & Policy Options
Annual deductible options of:
- $100
- $250
- $500
- $750
*Reimbursement level options of:
- 90%
- 80%
- 70%
- 60%
*Choice will vary depending on pet’s age.
Eligibility And Waiting Periods:
- Lifetime Coverage For Dogs And Cats Enrolled Before The Age Of 14.
- 15 Day Waiting Period For Accident And Illness.
- 12 Month Waiting Period For Hip Dysplasia.
Veterinary Exam Requirement:
- Pets less than 6 years of age must have had an exam within 12 months prior to enrollment otherwise they must have an exam within 15 days from the enrollment date.
- Pets 6 years or older must have had an exam within 30 days prior to enrollment otherwise they must have an exam within 15 days from the enrollment date.
Is There A Waiting Period?
There is a waiting period of 15-days after your pets' policy effective date. The policy on your pet is effective 12:01 a.m. the day after you enroll your pet(s) with Healthy Paws Pet Insurance.
You can submit claims for accidents & illnesses that occur after the 15-day waiting period. Hip Dysplasia coverage is provided at no extra cost and is subject to a 12-month waiting period.
*Waiting periods do not apply to the states of Maryland and New Hampshire.
Healthy Paws Cancellation Policy
Healthy Paws Offers a 30 Day Free Look period; basically, this is how we say a "30 Day Money Back Guarantee" in the insurance world.
If you have not filed a claim and decide to cancel your policy within the first 30 days, Healthy Paws will give you a full refund.
No questions asked.
This is an excellent way to at the least get your pet covered and see if you like it.
THE SIMPLY INSURANCE WAY
Pet Insurance made easy.
Agents not required.
Get quotes and sign up online without talking to an agent. But, we are here if you need us.
Unbiased, expert advice.
Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.
Coverage in minutes.
You can get pet insurance coverage within minutes of getting your quotes and applying.
Taking Action
I know our Healthy Paws review is one of the longer ones out here.
However, I wanted to make sure that I gave as much detail & information as possible.
If you have been holding off on buying pet insurance for any reason, I say give the 30-day free look period a shot and take the time you need to look over the policy and decide if it's the right thing for you and your family.
Just click here or on any of the above buttons to get started.
