Healthy Paws Pet Insurance Review

Healthy Paws Pet Insurance Review
Coverage
Limits
Deductibles
Reimbursements
Claims
BEST FEATURES
Easy claim processing through their mobile app
Unlimited lifetime benefits
WORST FEATURES
Doesn’t cover exam fees
4.6
OVERALL
Best For:
Pets with Chronic Conditions
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About Healthy Paws

Healthy Paws was founded in 2009 and is located in Bellevue, WA.

Coverage

Works off reimbursements for medically necessary treatments.

Does Healthy Paws cover Pre-existing conditions? No

Waiting period

15 days for illness or injury, 12 months for hip dysplasia

Covers: Dogs and cats

Veterinarian: Your choice of licensed veterinarian, even emergency hospitals and specialists

Claims

Submit claims through the Healthy Paws mobile app, simply take a picture of your veterinary bill and upload to the app. Claims are guaranteed turnaround in 3-10 business days.

Plan coverage

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

Alternative care: Covered

Covers exam fees: No

Distinguishing factor:

They are the only pet insurance company to provide unlimited lifetime benefits with an annual deductible

Rates

As low as $15/month for cats and $25/month for dogs
Unlimited lifetime benefits with no claim limits

Pets age 8+: 60% reimbursement, Annual Deductible $750, Maximum payouts: Unlimited, $28.13/month

Dogs age 5 and under: Reimbursement options: 90%, 80%, 70%

Deductible option: $100, $250, $500; $35/month

Dogs age 6 and 7: Reimbursement options: 80%, 70%, 60%; Deductible $250, $500, $750; $51/month

Reimbursement amounts range from 90% for younger pets to 60% for older pets, and annual deductibles range from $250 to $750 depending on the age of your pet and the plan you choose. The Healthy Paws site is easy to navigate and you can choose the most popular option for younger pets, playing around with the options until your monthly payment and coverage levels are where you want, or you can take what you get from the company for an older pet, who have less options for coverage. Healthy Paws will not cover pets over the age of 14.

Best for:

Pets with chronic conditions who you are able to enroll before their symptoms manifest. Reasonable deductibles, easy claim payments, alternative therapies and fully comprehensive coverage make this a great plan for a pet that will last their lifetime.

Reviews

Yelp: 4.5/5 stars out of 60 reviews

BBB: 3.6/5 out of 20 reviews; rating of A-

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