healthy paws pet insurance

Healthy Paws helps pet cat and canine owners protect their animals withaffordable pet insurance without lifetime insurance coverage limitations. Using the company’s instinctive mobile phone application, you can easily submit your case throughtaking a photo of your billing and obtain reimbursed in a little bit of as 48 hours.

What Our Experts Like

  • No yearly protection restrictions

  • Quick and also easy claims procedure

  • Tool contrasts prices and terms along withrivals

What Our Team Don’t Like

  • Limited plan modification

  • No healthplan on call

  • No markdowns or even pliable settlement alternatives

  • Limited coverage for more mature animals

healthy paws pet insurance gives bargain pet insurance to ensure that canine and also feline proprietors can pay for to look after their unwell or damaged pet dogs. The business gives unrestricted lifetime protection, an option of deductibles as well as repayments, and an easy and also effortless method to provide claims.

We review Healthy Paws’ insurance coverage details and also exemptions, add-on companies, pricing, client service, scores, and more to assist you make a decision if its programs correct for you.

Business Introduction: Small Cost and also Fast Cases

Founded in 2009, Healthy Paws was the result of an opportunity appointment in between a past business manager and also an insurance specialist at a neighborhood no-kill animal sanctuary. Since then, the company has actually helped pet moms and dads maintain their ill and injured pets and assisted monetarily to hundreds of pet rescues and animal shelters.

Healthy Paws eliminates the food selection of annual coverage limitations, substituting it withunrestricted lifetime protection for eachpolicy. That implies you may select the very best maintain your pet for their entire lifestyle without fretting about maxing out your benefits.

Healthy Paws has an average score on Yelp and also an exceptional rating on Trustpilot. Some Howl examines fuss concerning the company boosting costs without notification, particularly for mucholder dogs. The majority of positive testimonials on Trustpilot, however, appreciation healthy paws pet insurance for its fast claims handling and compensation.

Healthy Paws’ insurance are financed by Chubb whichhas an A+ ranking for financial stability coming from AM Absolute best.

Plans Available: Collision and Sickness

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Healthy Paws gives uncomplicated incident as well as illness insurance withlimited personalization alternatives. All plans come withno lifetime protection hats or restrictions and also allow you decide on the adhering to insurance coverage options:.

  • Deductible: $one hundred, $250, $five hundred
  • Reimbursement: 70%, 80%, 90%

Althoughsome pet insurance companies only deliver accident-only policies for more mature family pets, Healthy Paws will certainly deal withhousehold pets aged six and also more mature along witha complete accident as well as ailment policy along withunrestricted life-time protection, a $five hundred deductible, and 70% reimbursement for covered solutions..

The observing solutions and ailments are actually covered by all Healthy Paws mishap and also sickness policies:.

  • Hereditary, hereditary, and severe ailments
  • Cancer
  • Diagnostic treatment
  • X- radiations, blood examinations, ultrasound examinations
  • Surgery
  • Hospitalization
  • Prescription medicines
  • Emergency treatment
  • Specialty care
  • Acupuncture, chiropractic care, and also hydrotherapy
  • Euthanasia (when medically necessary)

You will certainly need to have to wait 15 times after your time of enrollment prior to filing any accident or even illness claims and also year for sickness related to hip dysplasia. Any type of insurance claims submitted prior to your standing by time periods are up will be refuted.

Healthy Paws likewise requires you to receive a full exam for your pet either just before the beginning of your plan or within an established opportunity after registration based upon the grow older of your pet:.

  • Five as well as under: Within the final twelve month(or even within 15 times after)
  • Six as well as over: Within the last thirty days (or even within 15 days after)

Planning Exclusions: Pre-Existing Conditions

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Healthy Paws provides the standard coverage exemptions for pre-existing situations and also the following solutions. It’s important to keep in mind that you will definitely need to have to spend for any sort of examination and also workplace check out charges expense given that they aren’t dealt withthroughyour policy.

  • Wellness and preventative care
  • Examination fees
  • Dental healthcare
  • Spaying and neutering
  • Cosmetic or elective treatments
  • Injury or even healthproblem due to any kind of deliberate or even thoughtless process
  • Behavioral therapy
  • Non- FDA treatment or even supplements
  • Breeding or even problems relating to breeding
  • Experimental or investigational treatment or even medication
  • Pet diet plans
  • Daycare/ boarding

Healthy Paws will definitely also deal withcertain oral techniques associated withaccidents, suchas a cracked tooth, removal, as well as repair of damaged teeth. However, dental cleanings and removals due to degeneration are actually not dealt with.

Cost: Low Fees and Essential Insurance Coverage

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Healthy Paws supplies some of the most affordable costs we have actually seen withall of our customer reviews. Keeping that mentioned, the company’s plans possess some recognizable deficits, suchas no insurance coverage for exams or even dental companies, no extra well-being planning, and also no exclusive insurance coverage bikers..

Our company made use of Healthy Paws’ on the web quote contractor to create the adhering to pair of policies..

Incident and also illness insurance for a mixed breed, medium (31- 59 lbs.), three-year-old, female canine withendless insurance coverage, a $five hundred tax deductible, and also 80% compensation pertained to $27.22 eachmonth.

Mishap and also illness insurance for a domestic longhair, one-year-old, male cat withlimitless protection, a $five hundred deductible, as well as 80% reimbursement concerned $11.68 per month.

Healthy Paws likewise bills a single administration charge of $25 to begin your plan. Althoughthe provider does not give any sort of healthy pet or multiple-pet rebates, for every pal you refer, it is going to contribute $25 in your place to aid homeless family pets. The reference course is actually not accessible in Maine, Nevada, NorthCarolina, NorthDakota, Vermont, or Washington.

You may also get a complete reimbursement of any type of paid costs if you cancel your policy within thirty day and also have not provided any sort of claims.


Healthy Paws doesn’t repay you for test as well as workplace visits for protected services, so be actually prepped to pay those expense.

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Customer Support: Mobile Application and also Online Website

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Healthy Paws has actually worked doggedly to streamline its own insurance claims method. All you need to do is actually take a photo of your vet costs as well as upload it throughthe on-line customer facility or even throughthe business’s mobile app. You may also submit your claim using email, facsimile, or even mail.

Healthy Paws states that most insurance claims are actually processed within 10 days. Once completed, your repayment will be actually released within 24-hour. You may opt for to obtain your reimbursement by sent by mail examination or possess it straight transferred to your financial institution during organization hrs. Healthy Paws likewise offers the alternative to refund your veterinarian directly thus all of you’ll need to have to pay out is your portion of the bill in the course of checkout..

Healthy Paws delivers phone as well as email help Monday via Friday coming from 7:00 a.m. to 5:00 p.m. and also Saturday from 8:00 a.m. to 5:00 p.m. PT.


Submitting an insurance claim is actually as easy as publishing an image of your veterinarian pill throughthe Healthy Paws web site or mobile phone application. No insurance claim document is required.

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Competition: Healthy Paws vs. Petplan

Our experts matched up Healthy Paws to Petplan whichalso offers standard accident as well as disease insurance, customizable policies, as well as no readily available wellness plan. Side-by-side, Petplan seems to deliver the very same protection as Healthy Paws for $10 even more monthly. When you take muchdeeper, nonetheless, you’ll see that you receive a great deal even more for your loan along withPetplan.

Certainly not simply performs Petplan cover assessments as well as office check outs, whichare actually excluded in healthy paws pet insurance, Petplan also delivers spent add-on bikers that incorporate protection for lost household pets, boarding costs, travel cancellation, and digital veterinarian check outs..

On the whole, if you are actually searching for essential incident and also ailment coverage, our team think it costs spending a little extra for what Petplan offers.