If you’re a pet owner, chances are you’ve spent a lot of time researching ways to keep your furry friend healthy and safe. One of the most important decisions you can make for your pet’s well-being is purchasing pet insurance. Healthy Paws Pet Insurance is a popular option in the pet insurance industry, but is it the right choice for you and your pet? In this comprehensive review, we’ll break down everything you need to know about Healthy Paws Pet Insurance, including its pros, cons, coverage options, pricing, and more.
Key Features of Healthy Paws:
- Focuses on accident and illness coverage for pets.
- Offers lifetime benefits with no payout caps.
- Known for its excellent customer service.
- Provides a 30-day money-back guarantee for new policyholders.
Rating: How Healthy Paws Measures Up
When it comes to choosing a pet insurance provider, the ratings matter. Healthy Paws has earned solid ratings from both independent agencies and satisfied customers. Let’s look at how it performs:
- Customer Satisfaction: Healthy Paws has a high customer satisfaction rate, with many pet owners praising its easy claims process and responsive customer support.
- Industry Ratings: Healthy Paws holds favorable ratings from insurance review platforms like Consumer Affairs and Trust pilot, where it consistently earns ratings of 4.5/5 stars or higher.
- BBB Accreditation: Healthy Paws is accredited by the Better Business Bureau, indicating that it meets high standards of trust and transparency.
Overall Rating: 4.5/5 stars
Pros & Cons of Healthy Paws Pet Insurance
| Pros | Cons |
| Comprehensive Coverage: Covers a wide range of accidents and illnesses, including hereditary conditions. | Limited Coverage for Older Pets: Pets older than 14 years may not be eligible for enrollment. |
| No Annual or Lifetime Payout Limits: Offers unlimited lifetime benefits. | No Wellness Coverage: Does not cover routine care like vaccinations, spaying/neutering, or annual check-ups. |
| Fast Claims Process: Claims are typically paid within 10 days. | Higher Deductibles: Some pet owners may find the deductibles higher than other providers. |
| Affordable Plans: Premiums are often competitive, especially for younger pets. | Exclusions on Certain Breeds: Some breeds may have limited coverage or higher premiums. |
| Reputation and Trust: High customer satisfaction and strong ratings from independent agencies. | Pre-existing Conditions Not Covered: Any condition your pet had before enrollment is excluded. |
| 30-Day Money-Back Guarantee: Full refund if you’re not satisfied within the first 30 days. | Limited Options for Preventive Care: No coverage for preventive treatments or routine vet visits. |
| Customizable Plans: Flexibility to adjust deductible and reimbursement rates. | Orthopedic Conditions Have a Waiting Period: 12 months waiting period for coverage on orthopedic issues. |
Maximum Enrollment Age and Eligibility
Healthy Paws has an age limit for new enrollees. Your pet must be under 14 years old to sign up, although this can vary by breed. If your pet is older than that, they may not be eligible for coverage. However, if your pet is already insured with Healthy Paws and reaches the age limit, coverage can continue as long as the policy is active.
Eligibility Requirements:
- Age Limit: Must be under 14 years old for enrollment.
- Breed Restrictions: Some high-risk breeds may have limited coverage.
- Pre-existing Conditions: Healthy Paws does not cover pre-existing conditions.
What Healthy Paws Cover & Doesn’t cover
| What Healthy Paws Covers | What Healthy Paws Doesn’t Cover |
| Accidents: Broken bones, toxic ingestion, lacerations. | Pre-existing Conditions: Any condition your pet had before the policy begins. |
| Illnesses: Conditions like cancer, arthritis, infections. | Routine and Preventive Care: Wellness exams, vaccinations, spaying/neutering, flea/tick prevention. |
| Hereditary Conditions: Certain hereditary conditions not pre-existing. | Cosmetic or Elective Surgery: Procedures such as tail docking, ear cropping, or elective surgeries. |
| Chronic Conditions: Diabetes, allergies, heart disease (after the waiting period). | Breeding, Pregnancy, and Birth-Related Issues: Conditions related to pregnancy or childbirth. |
| Emergency Care: ER visits, surgeries, and hospital stays. | Behavioral Issues: Any behavioral treatment or training is not covered. |
| Diagnostic Tests: Bloodwork, X-rays, MRIs, and CT scans related to illness or injury. | Experimental Treatments: Treatments that are not FDA-approved or experimental. |
| Medications: Prescription drugs related to covered conditions. | Pet Grooming: Grooming services, including baths, haircuts, and nail trimming. |
| Specialist Visits: Consultations with specialists for covered conditions. | Non-Medical Expenses: Boarding, travel expenses, or food costs related to treatment. |
Compare Healthy Paws:-
- Healthy Paws vs. Embrace
- Healthy Paws vs. FIGO
- Healthy Paws vs. Nationwide
- Healthy Paws vs. Aspca
- Healthy Paws vs. Trupanion
- Healthy Paws vs. Lemonade
Coverage Plans & pricing of healthy paws :
These prices are estimates and may vary based on specific factors related to your pet. Be sure to request a customized quote for the most accurate pricing.
| Coverage Option | Monthly Premium (Dogs) | Monthly Premium (Cats) | Deductible | Reimbursement Percentage | Annual Coverage Limit | Waiting Period |
| Basic Plan (Accidents & Illnesses) | $20 – $60 | $15 – $50 | $100 – $500 | 70%, 80%, 90% | Unlimited | 15 days (Illnesses) |
| Customizable Plan (Accidents & Illnesses) | Varies | Varies | $100 – $500 | 70%, 80%, 90% | Unlimited | 15 days (Illnesses) |
| Premium Plan (Accidents & Illnesses, Best Coverage) | $30 – $70 | $20 – $55 | $100 – $500 | 80%, 90%, 100% | Unlimited | 15 days (Illnesses) |
Additional Notes:
- Deductibles: You can choose a deductible between $100 and $500, depending on your preference and budget.
- Reimbursement Levels: Choose from 70%, 80%, 90%, or 100% reimbursement for eligible expenses after the deductible is met.
- Annual Coverage Limit: Healthy Paws offers unlimited coverage with no annual or lifetime payout caps.
- Waiting Period: 15 days for illnesses, 2 days for accidents, and 12 months for orthopedic conditions.
Pricing Based On Breed Types (small, medium, large dogs) :
| Dog Breed | Plan Type | Monthly Premium (Estimate) | Deductible | Reimbursement Percentage | Annual Coverage Limit | Waiting Period |
| Small Dogs | Basic Plan (Accidents & Illnesses) | $20 – $40 | $100 – $500 | 70%, 80%, 90% | Unlimited | 15 days (Illnesses) |
| Beagle | Customizable Plan (Accidents & Illnesses) | $30 – $45 | $100 – $500 | 70%, 80%, 90% | Unlimited | 15 days (Illnesses) |
| Chihuahua | Premium Plan (Best Coverage) | $25 – $50 | $100 – $500 | 80%, 90%, 100% | Unlimited | 15 days (Illnesses) |
| Medium Dogs | Basic Plan (Accidents & Illnesses) | $25 – $50 | $100 – $500 | 70%, 80%, 90% | Unlimited | 15 days (Illnesses) |
| Cocker Spaniel | Customizable Plan (Accidents & Illnesses) | $35 – $55 | $100 – $500 | 70%, 80%, 90% | Unlimited | 15 days (Illnesses) |
| Bulldog | Premium Plan (Best Coverage) | $40 – $65 | $100 – $500 | 80%, 90%, 100% | Unlimited | 15 days (Illnesses) |
| Large Dogs | Basic Plan (Accidents & Illnesses) | $40 – $70 | $100 – $500 | 70%, 80%, 90% | Unlimited | 15 days (Illnesses) |
| Golden Retriever | Customizable Plan (Accidents & Illnesses) | $50 – $80 | $100 – $500 | 70%, 80%, 90% | Unlimited | 15 days (Illnesses) |
| Labrador Retriever | Premium Plan (Best Coverage) | $55 – $90 | $100 – $500 | 80%, 90%, 100% | Unlimited | 15 days (Illnesses) |
| Giant Dogs | Basic Plan (Accidents & Illnesses) | $50 – $90 | $100 – $500 | 70%, 80%, 90% | Unlimited | 15 days (Illnesses) |
| Great Dane | Customizable Plan (Accidents & Illnesses) | $70 – $110 | $100 – $500 | 70%, 80%, 90% | Unlimited | 15 days (Illnesses) |
| Saint Bernard | Premium Plan (Best Coverage) | $80 – $120 | $100 – $500 | 80%, 90%, 100% | Unlimited | 15 days (Illnesses) |
For precise pricing, it’s best to get a quote directly from Healthy Paws based on your pet’s breed, age, and location.
FAQ: Healthy Paws Pet Insurance
- Who owns Healthy Paws insurance?
Healthy Paws Pet Insurance is owned by the Healthy Paws Pet Insurance & Foundation, which is under the umbrella group of companies offering pet insurance across the U.S. - Is Healthy Paws insurance worth it?
Healthy Paws is considered worth it by many pet owners due to its comprehensive coverage, fast claims process, and high customer satisfaction ratings. - Does Healthy Paws insurance go up with age?
Yes, premiums may increase as your pet ages, but the rate increase is based on your pet’s age, breed, and location. - How long do Healthy Paws claims take?
Most claims are processed within 10-15 business days. Healthy Paws aims to make the claims process as quick and easy as possible. - Does Healthy Paws pay the vet directly?
Healthy Paws does not pay the vet directly. Instead, you pay your vet upfront and then submit your claim for reimbursement. - Does Healthy Paws cover exam fees?
Healthy Paws covers exam fees if they are related to covered treatments or illnesses, but not for routine checkups or preventative care. - Do Healthy Paws have an annual limit?
Healthy Paws does not have an annual payout limit, which means there’s no cap on how much the company will reimburse per year. - Can I cancel Healthy Paws at any time?
Yes, you can cancel your policy at any time. If you cancel within 30 days of enrollment, you may receive a full refund (minus any claims already paid). - Does Healthy Paws cover hospital stays?
Yes, Healthy Paws covers the costs of hospital stays if they are related to covered illnesses or injuries. - Does Healthy Paws pet insurance cover vaccines?
No, Healthy Paws does not cover the cost of vaccines or any other preventive care. - Does Healthy Paws cover annual wellness visits?
No, Healthy Paws does not cover routine wellness visits or checkups. They only cover treatment for accidents and illnesses. - Does Healthy Paws cover MRI?
Yes, Healthy Paws covers the costs of MRI scans if they are necessary for diagnosing a covered illness or injury. - Does Healthy Paws have a deductible?
Yes, Healthy Paws requires a deductible that you must pay out-of-pocket before the insurance coverage kicks in. You can choose between different deductible amounts when enrolling. - Does Healthy Paws cover Lyme disease?
Yes, Healthy Paws covers Lyme disease as long as it’s not a pre-existing condition. - Does Healthy Paws pay for spay?
No, Healthy Paws does not cover spaying or neutering procedures, as they are considered elective surgeries. - Does Healthy Paws cover heartworm prevention?
No, Healthy Paws does not cover heartworm prevention treatments, as they are considered preventive care. - How long do Healthy Paws claims take?
Claims are typically processed within 10-15 business days. The process may vary depending on the complexity of the claim. - Are Healthy Paws accepted everywhere?
Healthy Paws is accepted by most veterinary clinics and hospitals, but it’s always a good idea to confirm with your vet if they accept Healthy Paws insurance.