If you have to find many options to be daunting, Healthy Paws pet insurance’s simplicity may appeal to you. The provider offers a solitary plan that has no annual or lifetime cap and covers both diseases and accidents.
Healthy Paws Pet Insurance
For overall performance, Healthy Paws received a score of four out of five. Our editorial staff determines Nerd Wallet’s ratings. Consumer experience, coverage options, and financial strength ratings are all considered in the grading formula.
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Healthy Paws: Pros and Cons
| Pros | Cons |
| No yearly or lifelong coverage caps | No alternatives for health insurance |
| Many claims are handled within two days | Exam costs, prescription diets, and behavioral change are not covered by plans |
| There might be direct vet payments available | Direct You can be charged a $25 administrative fee when you purchase your policy |
Status of Accessibility
All 50 states as well as Washington, D.C. have granted Healthy Paws licenses to sell pet insurance, while Washington state may have some restrictions on availability.
Plans for Healthy Paws pet insurance
For both cats and dogs, Health Paws offers a single plan that covers accidents and diseases. No per-condition, yearly, or lifetime payout limits exist. The business does not provide wellness or accident-only plans.
What is covered by Healthy Paws pet insurance?
Healthy Paws Pet Insurance offers comprehensive coverage for all of your furry family members. This coverage includes treatments for illnesses, injuries, emergency care, routine care and congenital conditions, and much more. With our plans, you can also get up to 90% back on vet bills and your pets can receive care anywhere, at any licensed veterinarian in the US or Canada. With Healthy Paws Pet Insurance, you can rest easy knowing that you’ll be prepared for anything that life throws at you and your furry family members.
The following are covered by Healthy Paws pet insurance:
For the treatment of diseases like cancer, hospitalization, and surgery.
- Test for diagnosis
- Genetic disorders
- Congenital disorders
- Medicines on prescription
- Alternative treatments including chiropractic and acupuncture
- A few dental issues
What is not covered
Inclusions in your Healthy Paws plan include the following:
- Exam fees for diseases or accidents.
- Treatment for hip dysplasia if your pet’s coverage began at age 6 or older.
- Routine dental treatment, extractions owing to dental disease, or reconstructions.
- Diets on prescription.
- Cost of burial or cremation.
- Preventive or wellness treatment, including spay and neuter procedures.
- Pre-existing conditions, including those that develop after you acquire your coverage during the waiting period.
- Psychological treatments.
- Experimental procedures.
- Pregnancy or reproduction.
- Cruciate damage to one leg when the other has already sustained one. It’s referred to as a bilateral exclusion.
Following Coverage Options for Healthy Paws
- Payment amounts: Payment quantities vary similarly, with 70% and 80% being the most popular choices we observed in our sample quotes. But, depending on your pet and region, you could be able to select a percentage as low as 50% or as high as 90%.
- Deductibles: You may have some or all of the following options: $100, $250, $500, $750, and $1,000, depending on your location, your pet’s age, and breed.
- Coverage Limits: There are no coverage restrictions on Healthy Paws insurance.
Limitations and Waiting Times
Age Restrictions: Pets may enroll up until their 14th birthday and must be at least 8 weeks old to be covered.
Waiting Periods: There is typically a 15-day waiting period for any accident or illness in most jurisdictions. Moreover, there is a 12-month waiting period for hip dysplasia if your pet is under the age of 6 when the coverage first commences. Hip dysplasia is not covered for pets aged 6 and up.
Discounts: There are no discounts available at Healthy Paws.
Customer Experience |Healthy paws coverage
- Website
On the Healthy Paws website, you may quickly acquire a price and purchase insurance. After you have a policy, you can utilize the online portal to update your billing information, file and track claims, and make policy changes.
- App
The mobile app for Health Paws provides capabilities that are comparable to those on the website, such as the ability to file claims, check policy specifics, and modify payment information. However, the software may not function correctly for all users, according to the App Store and Google Play’s low reviews.
- Claims
You can submit claims by email, mobile app, or online. Although some claims take 10 days or longer to complete, the company claims that the majority are handled in two days.
Here is how Healthy Paws pet insurance compares to some other well-known options
Healthy Paws VS Trupanion
Trupanion offers a single accident and illness plan with unlimited coverage, similar to Healthy Paws, in the majority of states. While Paws offers a range of reimbursement options between 50% and 90%, depending on your pet and where you reside, Trupanion’s plan also has a typical 90% reimbursement rate.
The main distinction between the two businesses is how they approach deductibles. While Trupanion gives lifetime condition deductibles in most states, Paws charges its deductible on an annual basis. You would only need to cover the Trupanion deductible once if your pet develops a chronic disease that requires treatment on an annual basis.
When It Comes to Coverage?
There are a few minor changes in terms of coverage. Alternative therapies are included by Healthy Paws’ regular plan, but behavioral therapies are not, whereas Trupanion charges extra for both types of coverage. Neither business offers a payment plan for wellness services or covers the cost of exams.
There is a 15-day waiting time for illnesses and injuries at Healthy Paws. For injuries, Trupanion has a five-day time limit, whereas its term for diseases is greater (30 days). Both businesses provide speedy claims processing with the choice of paying your veterinarian directly.
| COVERAGE | HEALTHY PAWS | TRUPANION |
| Deductible | $100 to $1000 annually. (Not all pets are eligible for all options.) | 0 to 1000 dollars per condition (except in Florida, where no deductible applies). |
| Reimbursement | 50%, 60%, 70%, 80% or 90%. (Not all pets are eligible for all options.) | 90% (except from Florida, which allows you to select any reimbursement amount between 50% and 90%). |
| Limit Each Year | Unlimited | Unlimited |
Healthy Paws VS Pets Best
With only one accident and illness coverage, Healthy Paws keeps things simple, whereas Pets Best offers a variety of policies and riders. You can choose an illness and accident plan with Pets Best or a plan that only covers mishaps. Both preventative care and exam costs, none of which are covered by Paws, are up to you to decide how your plan will be paid for.
Behavioral consultations with a veterinarian are covered by Standard Pets Best accident and illness plans, but not by Healthy Paws. Chiropractic and acupuncture treatments, meanwhile, are free with Paws insurance plans but are extra with Pets Best.
For injuries and illnesses, Pets Best has shorter waiting periods than Healthy Paws: three days and fourteen days, respectively.
| COVERAGE | HEALTHY PAWS | PETS BST |
| Deductible | $100 to $1000 annually. (Not all pets are eligible for all options.) | $100 to $2,000 annually. |
| Reimbursement | 50%, 60%, 70%, 80% or 90%. (Not all pets are eligible for all options.) | 70%, 80% or 90%. |
| Limit Each Year | Unlimited. | $5,000 or no cap on accident and sickness insurance. $10k for plans that cover accidents only |
Healthy Paws pet insurance VS Nationwide Pet Insurance
Two accident and illness plans are offered by Nationwide. Its Whole Pet programme, which covers a variety of conditions and reimburses a portion of your vet fee, is comparable to the Paws plan. In contrast to Paws, it covers exam costs when you go to the vet because of an injury or illness. Additionally, it pays for behavioral consultations and prescription diets, while Paws does not.
The Major Medical plan from Nationwide operates differently, with claim payments based on a predetermined benefit schedule for each ailment. While Major Medical’s plan doesn’t give as much coverage as Paws’ does, it does provide wellness insurance as an add-on option. No wellness-related costs are covered by Paws.
Most claims are processed by Healthy Paws in two days as opposed to Nationwide’s 30-day turnaround period.
| COVERAGE | HEALTHY PAWS PET INSURANCE | NATIONWIDE PET INSURANCE |
| Deductible | $100 to $1000 annually. (Not all pets are eligible for all options.) | $250 annually (Other options available by phone.) |
| Reimbursement | 50%, 60%, 70%, 80% or 90%. (Not all pets are eligible for all options.) | 50% or 70%. |
| Limit Each Year | Unlimited | $10,000. |
Healthy Paws Pet Insurance Google Reviews
Our goal is to offer you and your pet the greatest customer service and pet insurance programme available nationwide.
We are appreciative to our animal-loving clients for letting us know how much they appreciate our pet health plan by awarding us the top spot for pet insurance on reputable review and news websites like Canine Journal, Consumers Advocate, Yelp, Pet Insurance Quotes, The Seattle Times, and Angie’s List.
- Google Reviews of Healthy Paws Pet Insurance
An Honest Look at Healthy Paws Pet Insurance Google Reviews
What Pet Owners are Saying
After a quick Google search, I noticed the abundance of five-star ratings that Paws Pet Insurance has garnered. It’s clear that many pet owners have had positive experiences working with the company, especially when it comes to coverage. Many customers reported prompt and professional service from their claims and customer service departments, along with convenient online and phone-based customer service options.
Special Features
When I took a closer look at the reviews, I noticed that some customers singled out certain features that the insurance policy offers that set it apart from the competition. Some of these features include reimbursement for approved veterinary treatments for unexpected accidents and illnesses, coverage for behavioral therapies, a discount for enrolling multiple pets, and no upper limit on annual or lifetime benefits.
Summary
All in all, it appears that pet owners who choose Paws Pet Insurance can rest assured that they’ll be provided with excellent service, multiple convenient customer service options, and great coverage benefits. Judging by the numerous five-star reviews, pet owners who have used Paws are very satisfied with the coverage that it provides.
Frequently Asked Questions based on Healthy Paws Pet Insurance
Q1. Do Healthy Paws raise rates with age?
Ans.Consumers claim that as their pets aged, rates did increase, increasing annual costs. Consumers cite Paws’ simple claims submission procedure as a benefit. Normally, Paws processes claims within 10 business days and issues reimbursements within 24 hours of processing the claim.
Q2. How Much Does Healthy Paws Cost?
Ans. Healthy Paws Cost :
| Company | Sample Monthly Cost for Dogs | Learn More |
|---|---|---|
| Healthy Paws » | $26.89 | Get A Quote » |
| Lemonade » | $19.44 | Get A Quote » |
| Spot » | $36.54 | Get A Quote » |
| Trupanion » | $70.12* | Get A Quote » |
Q3. Do Healthy Paws have a lifetime limit?
Ans. The Healthy Paws coverage does not have any maximum payout caps, including per-incident, annual, or lifetime ceilings, in contrast to some pet insurance plans. Dedicated to Our Clients.
Q4. Do Healthy Paws raise rates?
Ans. As your pet ages, Paws premiums will now rise annually . By providing a single plan choice for dogs and cats with up to 90% reimbursement, Paws simplifies pet insurance.
Q5. How much does Healthy Paws pet insurance cost?
Ans.Healthy Paws pet insurance premiums range in price from $20 to over $100 per month, according to the sample quotes we got. Remember that your premium will change according to the breed, age, and ZIP code of your pet. While you can change the deductibles and reimbursement rates on your premium, some options aren’t accessible for animals older than six years.
Conclusion
Healthy Paws Pet Insurance offers pet owners peace of mind knowing their pet is covered by reliable insurance plans. The company’s excellent customer service and five-star Google reviews from satisfied customers are an indication that their commitment to providing the best coverage and care for their customers is the top priority. With Paws Pet Insurance, pet owners can rest assured that their furry friend will be taken care of.