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Healthy Paws Insurance Review: Is It Worth It?

Healthy Paws Insurance Review
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Let’s face it. There’s a good chance (unless you’re really lucky) your canine companion will get sick and require treatment at some point in his life. Sometimes we don’t think of practical solutions when it comes to our four-legged friends. In this Healthy Paws Insurance review, you’ll learn all about pet insurance and whether this plan is right for you and your pet.

Is It Worth It to Have Pet Insurance?

According to the American Pet Parent Association (APPA), pet parents spent an estimated $18.3 billion in 2018.

To get a better idea of how much money is spent on pet healthcare, consider the costs of the most common conditions that affect dogs.

 

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Based on the data alone, it’s definitely worth it to get pet insurance for your dog. No one can predict the future and there’s really no way of knowing what illness will take its toll on your furbaby’s body unless you administer a dog DNA test that helps identify high-risk diseases that commonly affect your dog’s particular breed.

Below are some benefits of putting your canine companion on a good insurance plan:

  • It saves you money on additional treatment and diagnostic costs (i.e. hospital stays, X-rays, etc.), and costly procedures like spinal surgery or cataracts removal.
  • You have more control of the choice you make in terms of treatment.
  • Some plans offer cash rewards to individuals who locate a lost or stolen dog.
  • Depending on the plan, pet insurance will help cover the cost of boarding
  • Helps with legal costs if your dog causes injury or harm to a third party

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Do All Vets Accept Pet Insurance?

Technically, no. But no worries! You can go to any veterinarian of your choice, pay them as usual, and then submit the bill along with a claim form to your pet insurance company. As long as that treatment or procedure is outlined in your insurance policy as eligible for coverage, you will get reimbursed for most of the money you’ve spent (up to 90%) on your dog’s healthcare.

Is There a Waiting Period for Pet Insurance?

Unfortunately, with pet insurance, you won’t get immediate approval. There’s usually a waiting period for any plan you enroll in. Waiting periods vary by plan, your dog’s age, and health condition (i.e. osteoporosis, hip dysplasia, etc.). dog lying on rug

Why do pet insurance plans have waiting periods? To weed out fraudulent claims and to make sure new claims are legitimate and meet eligibility requirements. For example, if your pet becomes sick or injured during the waiting period, your dog won’t be covered for that particular issue.

The waiting period allows insurance companies to ensure your dog doesn’t have a preexisting condition. Companies consider it unfair and dishonest to enroll a dog that’s already injured or sick.

Furthermore, enrolling an already-sick or injured pet can be risky and expensive, which could result in higher policies for all customers.

Healthy Paws has a 15-day waiting period. The plan also has a 12-month waiting period for hip dysplasia.

Does Pet Insurance Go Up Every Year?

Unfortunately, pet insurance premiums can increase every year. Pet parents who have enrolled their dogs get something called a renewal quote every year. The reasons for this include:

  • Advancements in veterinary treatments. This results in higher healthcare costs, and ultimately higher pet insurance premiums
  • An older pet. As dogs age, the risk of them getting sick increases. Therefore, the cost of insurance goes up each year your dog ages. So unless your dog is one year old or younger, expect to see an increase in your premium each year.
  • Recent illness or injury. If your dog was sick or injured during the previous year, insurance companies consider it an increased chance of further treatment in the future. For example, if your dog was treated for cancer, he might need diagnostic procedures in the future to ensure the cancer doesn’t return.

Healthy Paws Pet Insurance Review

Healthy Paws Pet Insurance offers affordable plans that cover unexpected Healthy Paws Pet Insurance and Foundation.accidents or illnesses. You get coverage all in one comprehensive plan. Healthy Paws also helps homeless pets by donating to animal rescue organizations to help fund medicine, food, shelter, and operating costs for pets that come into their care.

Through their Every Quote Gives Hope grant program, the Healthy Paws Foundation has been able to donate over $599,000 to deserving shelters and rescues.

Enrollment Requirements

  • Pet must be 8 weeks to 14 years old
  • For pets younger than 6 years old, they must see vet within the past 12 months
  • For pets older than 6 years, they should see a vet within the past 30 days
  • If your pet has not seen a vet within 30 days or 12 months, they must be scheduled for a standard veterinary within 15 days of the policy start date

What Does Healthy Paws Insurance Cover?

If your dog needs treatment for an accident or illness, and it’s not a preexisting condition, Healthy Paws will cover you. Coverage includes emergencies, hereditary or congenital conditions, cancer, and chronic conditions. Here are additional conditions and services covered in the plan.

  • Diagnostic Treatment
  • X-Rays, Blood Tests, Ultrasounds
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Treatment

How Much Does Healthy Paws Insurance Cost?

Healthy Paws is one of the most affordable pet insurance plans in America. In terms of cost and level of coverage, Healthy Paws is arguably the best value in the market today. There is an initial cost of $25 to enroll.

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The cost of your premium will depend on your dog’s age, size, breed, and geographic location. Since Healthy Paws offers only one comprehensive plan that includes all important features, prices vary a great deal. Before purchasing the plan, you should put in your pet’s information on the Healthy Paws website and get an instant quote.

On average, pet parents spend between $34-$94 on Healthy Paws Pet Insurance. The average premium is based on $250 deductible and 90% reimbursement.

Pros and Cons of Healthy Paws Pet Insurance

Pros
  • Comprehensive coverage
  • Unlimited Lifetime Benefits and no annual limits
  • Full coverage for accidents and illnesses
  • Includes hereditary disorders
  • 99% of claims processed in 2 days
  • Will reimburse up to 90% of vet bills

Cons
  • Doesn’t cover preexisting conditions
  • Doesn’t cover wellness visits
  • Offers no coverage for preventative healthcare including vaccinations, spaying and neutering, flea and control, etc.

Alternative Pet Insurance Companies

Of course, there are other companies to go with if Healthy Paws doesn’t meet your needs. If you value flexibility, Trupanion might be a great option for you and your pet. You can choose your deductible and change it whenever you want. Claims will be processed quickly as they will pay your vet directly so that you won’t have to worry about unexpected out-of-pocket costs.

Embrace Pet Insurance may be a viable alternative if you want more coverage options for things like dental illnesses, prosthetic limbs and other mobility aids, and reimbursement of vet exam fees. With Embrace Pet Insurance, you’ll also get more coverage options for older pets, hip dysplasia coverage on all accidents and illness policies, and an optional routine care plan.

Final Verdict – Healthy Paws Pet Insurance, a Great, Affordable Way to Insure Your Dog

Whether you choose Healthy Paws or any other pet insurance company, you have made a great choice in ensuring your canine companion gets the optimal healthcare he deserves. No more choosing between your financial security and your pup’s health and well being. By purchasing a quality healthcare plan, your dog is covered for life.
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