If you’re looking to have your dog or cat insured, there are plenty of options available to you. And while some pet insurance companies are better than others, choosing the right one can be more difficult than it seems at first glance.
Read on for a review of Healthy Paws pet insurance in the USA, which describes the pros and cons of this pet insurance provider and provides comparisons to other major options in the industry so that you can make an informed decision about your choice of pet insurance provider!
Permanent Health Insurance: 7 Smart Ways to Prepare for the Unexpected
Healthy paws Pre-Existing Conditions
If you are thinking about buying pet insurance because your dog has a preexisting condition or has been diagnosed with a condition, understand that many companies will not cover preexisting conditions at all, and others will only pay up to a certain amount for any complications due to pre-existing conditions.
Pre-existing conditions can include heartworm disease, being spayed or neutered before age 6 months (spaying/neutering after 6 months is covered), hip dysplasia, diabetes and more.
Spot pet insurance review: Our Top pick
What Healthy Paws Pet Insurance Doesn’t Cover
When you purchase a new kitten or puppy, you know you have to do what’s best for them. When it comes to your furry friend’s health, it can be hard to predict what they might get into while they are out and about playing with their friends or if they will need additional vet visits because of something you don’t even think about beforehand.
The thing is, though, that some unexpected costs come along with owning a pet that many people aren’t aware of until it happens to them. For example, did you know that most dog breeds require more than one type of vaccination? And did you also know that these vaccinations usually cost around $40 each? It doesn’t take long before those costs add up quickly!
Thankfully there is an option available called Healthy Paws Pet Insurance which provides coverage for unexpected medical bills related to your pet.
About Healthy paws
Healthy Paws is one of America’s most popular pet insurance providers, backed by more than $125 million in reserves. We review its policies and prices to see if it’s a good fit for your furry family member. If you have multiple pets or are planning on adopting a new dog or cat, you may want to consider getting them all insured under one plan.
In addition to making sure they have coverage in case of injury or illness, you can save money by bundling several pets into one policy instead of purchasing separate plans for each animal. If you’re looking for an affordable pet insurance plan that covers common medical issues such as illnesses and injuries, read on for our review.
Healthy Paws Pet Insurance Waiting Periods
Most Healthy Paws policies offer a 20-day waiting period from the enrollment date to coverage commencement, meaning you won’t be reimbursed for any pre-existing conditions or injury that occurs within those 20 days.
This is standard among most pet insurers and I can live with it. In fact, as someone who has had to put down a dog due to cancer complications, I am all too aware of how expensive vet bills can get. However, if your dog requires emergency treatment during that 20-day window (and many do), then you will have to pay out of pocket and submit your claim after receiving reimbursement from Healthy Paws.
It would be nice if they covered emergencies during that time fra time; however, again: not uncommon among pet insurers.
Don’t let poor customer service ruin your experience with a company, especially when you need to file a claim. Poor customer service is common in many companies, and it can be even more prevalent when you call for customer support if something goes wrong with your policy or claim because these professionals often have hundreds of policies to manage at once.
What Are Healthy Paws Pet Insurance?
Started in 2009, Healthy Paws is an online-only provider of pet insurance based out of Kansas City, Missouri that offers both dog and cat health coverage plans to customers across the United States. Pet health insurance is designed to help offset any costs related to unexpected illnesses or injuries by offering users discounted prices on their animal’s visits to doctors and specialists.
The idea behind Healthy Paws is simple: if you can prevent a problem from happening in the first place, why wouldn’t you? With affordable premiums starting at just $15 per month for dogs and $10 per month for cats (with no maximum annual benefit), it’s easy to see why so many people are flocking to Healthy Paws.
Plans Available From Healthy Paws
Unlike many other providers, you can purchase coverage for your dog or cat individually: whether your pet is eight months old or eight years old, if it’s a Chihuahua or a Great Dane, is neutered or spayed, there’s an option for you.
And more—you can even tailor each plan to include only those services that are relevant to your individual needs and situation, saving money while still protecting yourself against unexpected costs.
How Much Do Healthy Paws Cost?
Healthy Paws offers several plans, each with their coverage limits, so it’s important to read and understand what plan is best for you and your pet. Currently, a top-tier plan will run you $69 per month or $712 annually – less than half what many other insurers are charging. This price includes unlimited visits to any veterinarian, including specialists.
In addition, there is no deductible for accidents or illnesses (although there is one for elective procedures). There are also some basic wellness packages available that include things like dental cleanings and blood work at a discounted rate.