Today, Americans have more pets per household than ever before. If you’ve been contemplating the idea of getting health insurance for your beloved dog or cat but don’t know where to start, you aren’t alone.
Maybe you’re just realizing that health insurance exists for your four-legged companions.
Whether you’re a novice to pet insurance or you’re looking to swap providers, you’re in the right place.
Healthy Paws is one popular provider you’ll likely encounter in your research. This Healthy Paws insurance review can help you unpack all that the company has to offer, answering some key questions about their health care coverage.
Table of Contents:
About Healthy Paws
Healthy Paws was born out of two friends’ love for animals. Steve Siadek was the Executive Director at a no-kill animal shelter when he met Rob Jackson, who had adopted and fostered dogs from the shelter.
They saw an opportunity to help pet owners with their veterinary expenses and to rescue animals with needed medical care, starting the Healthy Paws Pet Insurance & Foundation Company in Bellevue, Washington.
Today, Healthy Paws has grown into one of the nation’s best pet insurance companies, often on the cutting edge for pet insurance plans and customer care.
In fact, Healthy Paws simplified the claims process by creating the first mobile app for pet insurance plans.
The foundation side of Healthy Paws has done some remarkable work as well, with the non-profit providing medical grants for animal shelter care and pet rescues.
Healthy Paws’ financial outlook is stable, thanks to its partnership with the $30 billion insurance broker AON Corporation. Their policies are underwritten by the Chubb Group, securing them an “A+” credit rating from A.M. Best. Other companies like Trupanion have not been rated by A.M. Best.
In other words, you can count on Healthy Paws to meet its financial commitments to you, the policyholder.
There’s a strong consensus around this pet insurance provider, and the company is consistently rated highly by leading review platforms.
Healthy Paws is also BBB-accredited and has been awarded an “A+” from the Better Business Bureau, furthering its legitimacy.
Healthy Paws Pet Insurance
Healthy Paws offers one simple insurance policy that covers new illnesses, injuries, cancer, accidents, alternative medicine, emergency veterinary care, and health problems including genetic and congenital conditions. As a general disclaimer, no pet insurance covers pre-existing conditions.
Pet insurance quotes for dogs start at $20 and cat plans start as low as $15.
To get accepted for coverage, dogs under the age of 6 must have been to the vet in the last 12 months, while dogs older than 6 must have had a vet visit within the last month. If your pet hasn’t been in that timeframe, you have 15 days to go once the policy is in force.
Here’s a closer look at what Healthy Paws covers.
- Alternative treatments: Chiropractic, acupuncture, and hydrotherapy
- Blood tests
- Cancer: Cancer coverage is built into every policy and has no payout caps.
- Chronic conditions: This benefit also covers long term medication for the condition.
- Congenital or hereditary conditions
- Diagnostic treatment
- Emergency care: 24-hour clinics included
- Illnesses: Not including pre-existing conditions
- Prescription medications
- Specialty care
- Surgery: Medically required operations for qualifying illnesses or accidents.
- Ultrasounds and x-rays
What’s NOT Covered
- Anal gland expression
- Behavioral training
- Elective surgeries
- Exam fees
- Flea/heartworm prevention
- Pre-existing conditions, including cruciate ligament injuries
- Routine dental care
Healthy Paws Waiting Period
A waiting period simply puts the coverage of some conditions on hold for a designated period of time.
With the exception of Maryland and New Hampshire, who have their own standards on waiting times, you can expect the following waiting periods with Figo:
- Accidents and illnesses: 15 days
- Hip dysplasia: 12 months
Healthy Paws Pet Insurance Cost
One of the most important factors in choosing the right pet insurance company is cost. Healthy Paws has very competitive rates with other companies like Trupanion, Allstate, and Progressive.
The more risk your cat or dog poses, the higher your monthly premiums will be, in general. That’s why Healthy Paws takes your pet’s age, gender, and breed into consideration.
They also use your location to set your rates, because some more populated areas of the country have steeper vet bills.
Healthy Paws offers one level of coverage with unlimited annual payouts. You can adjust the reimbursement level and choose up to three deductibles to get just the monthly costs and rates you need.
Healthy Paws Pet Insurance Cost for a Dog
Here are a few sample rates for a 4-year-old medium mixed-breed dog in D.C.:
- $59.37: 80% reimbursement, $250 deductible, no coverage cap
- $45.10: 70% reimbursement, $500 deductible, no coverage cap
Healthy Paws Pet Insurance Cost for a Cat
Here are a few sample rates for a mixed-breed 4-year-old cat in D.C. would cost:
- $23.46: 80% reimbursement, $250 deductible, no coverage cap
- $17.80: 70% reimbursement, $500 deductible, no coverage cap
Pros and Cons
To recap, here are some of the very best, and worst, things about Healthy Paws pet insurance.
- Simplicity: Picking a policy with Healthy Paws is virtually hassle-free because there is only one type of plan.
- Unlimited Coverage: There are no caps on the amount of policy benefits you can receive in a given year, or by the incident., which can be a lifesaver for pet parents.
- Claims Filing: Filing with Healthy Paws is an easy app-based task and based on customer reviews, policyholders are generally very satisfied with claims management.
- Hereditary Coverage: Many providers refuse care to animals with hereditary or congenital defects in their medical records, while Healthy Paws is far more generous with approval.
- No Wellness Coverage: Healthy Paws does not offer coverage for routine care, leaving you to pay for everyday expenses.
- Enrollment Fee: Healthy Paws plans come with a $25 enrollment fee.
- Hip Dysplasia: This condition is not accepted in pets over the age of 6, which can be problematic for large dog breeds like Golden Retrievers and German Shepherds who are predisposed to it.
Alternatives to Healthy Paws
Healthy Paws is one of our top picks for pet health insurance, but it’s far from the only good option at your disposal.
To ensure you get great rates and the right policy for your pet’s needs, spend a little time comparison shopping.
We recommend starting with a few of the companies below:
Is Healthy Paws Pet Insurance for You?
Healthy Paws offers simple straightforward accident and illness coverage with annual deductibles at fairly competitive rates.
They’re also commonly praised by Yelp, Canine Journal, and The Seattle Times for their excellent customer service and claims management.
As such, there’s a good chance you can find the coverage you’re looking for with this popular carrier.
Outline your pet’s coverage needs, consider your budget and deductible savings, and compare quotes from multiple carriers to decide if Healthy Paws pet insurance is for you.
Healthy Paws Pet Insurance
- A.M. Best: A+
- BBB: A+