HomeFinanceHealthy Paws Pet Insurance Review 2022: Pros and Cons

Healthy Paws Pet Insurance Review 2022: Pros and Cons

If you discover it overwhelming to have too many selections, the simplicity of Healthy Paws pet insurance coverage is perhaps interesting to you. The firm affords a single plan that covers accidents and diseases with no annual or lifetime restrict.

You can customise the quantity you pay your vet upfront and how a lot the corporate will reimburse you, however in any other case, you’ll get a fairly complete plan with out having to make too many selections.

Healthy Paws professionals and cons

No annual or lifetime protection limits.

No wellness protection choices.

Many claims are processed inside two days.

Plans do not cowl examination charges, prescription diets or behavioral modification.

Direct vet funds could also be obtainable.

A $25 administrative price could also be utilized once you purchase your coverage.

State availability

Healthy Paws is licensed to promote pet insurance coverage in all U.S. states and Washington, D.C., however availability could also be restricted in Washington state.

Healthy Paws pet insurance coverage

Healthy Paws affords a single plan that covers accidents and diseases for cats and canines. There aren’t any per-condition, annual or lifetime payout caps. The firm doesn’t provide accident-only or wellness plans.

What Healthy Paws pet insurance coverage covers

Healthy Paws pet insurance coverage covers the next:

  • Treatment, hospitalization and surgical procedure for accidents and diseases, together with most cancers.

  • Prescription drugs.

  • Alternative therapies resembling acupuncture and chiropractic.

What’s not lined

Your Healthy Paws plan gained’t pay for the next:

  • Exam charges for accidents or diseases.

  • Hip dysplasia therapy in case your pet’s protection began at age 6 or older.

  • Routine dental care, or extractions or reconstructions on account of dental illness.

  • Burial or cremation bills.

  • Wellness or preventive care, together with spay and neuter surgical procedure.

  • Pre-existing situations, together with people who come up throughout the ready interval after you buy your coverage.

  • Cruciate accidents to 1 leg if the opposite has beforehand had the same damage. (This is named a bilateral exclusion.)

Healthy Paws protection choices

Deductibles: Depending on the place you reside and your pet’s age and breed, you may need some or the entire following deductible selections: $100, $250, $500, $750 and $1,000.

Reimbursement quantities: There’s related variation amongst reimbursement quantities, with 70% and 80% being the commonest choices we noticed in our pattern quotes. However, you might be able to select an quantity as little as 50% or as excessive as 90%, relying in your pet and location.

Coverage limits: There aren’t any protection limits on Healthy Paws plans.

Restrictions and ready intervals

Age restrictions: Pets have to be at the least 8 weeks outdated to be lined, and could also be enrolled up till their 14th birthday.

Waiting intervals: In most states, there’s a ready interval of 15 days for any accident or sickness. If your pet is youthful than 6 when the coverage begins, there’s additionally a 12-month ready interval for hip dysplasia. (Pets 6 and up aren’t lined for hip dysplasia.)

Discounts

Healthy Paws doesn’t provide any reductions.

Consumer expertise

Website: You can get a fast quote and purchase a coverage on the Healthy Paws web site. Once you’re a policyholder, you need to use the web portal to file and observe claims, make coverage adjustments and replace your billing data.

App: Healthy Paws’ cellular app has related options to the web site, together with the power to submit claims, view coverage particulars and change billing data. However, poor rankings within the App Store and on Google Play recommend that the app could not work effectively for all customers.

Claims: You can file claims on-line, by way of the cellular app or by e mail. The firm says most claims are processed inside two days, although some take 10 days or longer. You will be reimbursed by verify or direct deposit. If your vet permits it, Healthy Paws might be able to pay them straight.

Customer service: You can attain buyer assist through a contact type on the web site or by calling 855-898-8991 on Monday by way of Saturday.

Healthy Paws vs. opponents

Here’s how Healthy Paws pet insurance coverage stacks up towards different well-liked plans.

Healthy Paws vs. Trupanion

Like Healthy Paws, in most states Trupanion affords a single accident and sickness plan with limitless protection. Trupanion’s plan additionally comes with a typical 90% reimbursement price, whereas Healthy Paws affords a variety of reimbursement choices between 50% and 90%, relying in your pet and the place you reside.

The main distinction between the 2 firms is how they deal with deductibles. Healthy Paws prices its deductible yearly, whereas Trupanion affords lifetime situation deductibles in most states. If your pet develops a continual situation that wants therapy 12 months after 12 months, you’d solely pay the Trupanion deductible as soon as.

When it involves protection, there are a number of minor variations. Healthy Paws covers different therapies in its normal plan however doesn’t cowl behavioral therapies in any respect, whereas Trupanion affords protection for each at an additional price. Neither firm covers examination charges or affords an choice to pay for wellness care.

Healthy Paws has a 15-day ready interval for diseases and accidents. Trupanion has a shorter interval for accidents (5 days) and an extended one for diseases (30 days). Both firms provide fast claims processing with the choice to pay your vet straight.

$100 to $1,000 per 12 months. (Not all choices can be found to all pets.)

$0 to $1,000 per situation (besides in Florida, the place no deductible applies).

50%, 60%, 70%, 80% or 90%. (Not all choices can be found to all pets.)

90% (besides in Florida, the place you may select any reimbursement quantity between 50% and 90%).

Healthy Paws vs. Pets Best

Healthy Paws retains issues easy with a single accident and sickness coverage, however Pets Best affords a number of plans and riders. With Pets Best, you may go for an accident and sickness plan or cowl accidents solely. You also can decide and select whether or not your plan pays for examination charges or preventive care, neither of which is roofed by Healthy Paws.

Standard Pets Best accident and sickness insurance policies cowl behavioral consults with a vet, whereas Healthy Paws doesn’t. However, acupuncture and chiropractic care price additional with Pets Best however are included with Healthy Paws insurance policies.

Pets Best affords shorter ready intervals than Healthy Paws: three days for damage and 14 days for sickness.

If you’re enrolling an older animal, Pets Best could also be a greater guess. It has no higher age restrict, whereas pets have to be enrolled by their 14th birthday to get Healthy Paws protection.

$100 to $1,000 per 12 months. (Not all choices can be found to all pets.)

50%, 60%, 70%, 80% or 90%. (Not all choices can be found to all pets.)

$5,000 or limitless for accident and sickness plans. $10,000 for accident-only plans.

Healthy Paws vs. Nationwide

Nationwide has two accident and sickness plans. Its Whole Pet providing is just like the Healthy Paws plan, reimbursing a proportion of your vet invoice and overlaying a variety of diseases. Unlike Healthy Paws, it pays for examination charges once you go to the vet for an accident or sickness. It additionally covers prescription diets and behavioral consults, which Healthy Paws doesn’t pay for.

Nationwide’s Major Medical plan works otherwise, with declare payouts primarily based on a set profit schedule per situation. Major Medical doesn’t cowl as many eventualities as Healthy Paws’ plan, however it does provide wellness protection as an elective add-on. Healthy Paws doesn’t cowl any wellness bills.

Healthy Paws’ two-day processing for many claims is considerably sooner than Nationwide’s 30-day turnaround time.

$100 to $1,000 per 12 months. (Not all choices can be found to all pets.)

$250 per 12 months. (Other choices obtainable by cellphone.)

50%, 60%, 70%, 80% or 90%. (Not all choices can be found to all pets.)

Frequently requested questions

Does Healthy Paws cowl dental care?

Healthy Paws covers some, however not all, dental care. It pays for dental care on account of accidents and for situations resembling stomatitis (an inflammatory illness frequent in cats) and malocclusion, a misalignment of the tooth. Healthy Paws gained’t pay for dental cleansing or different preventive care.

How do I cancel Healthy Paws insurance coverage?

You can cancel a Healthy Paws plan by e mail, fax, common mail or cellphone. In most states, you’ll get a full refund when you cancel throughout the first 30 days earlier than any claims have been filed.

Does Healthy Paws cowl spaying or neutering?

No. Healthy Paws doesn’t pay for any routine care, together with spay and neuter surgical procedure.

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