Healthy Paws Review

Healthy Paws offers pet insurance for dogs and cats that features no maximum annual or lifetime payouts. If you've ever experienced slow reimbursement times with other pet insurance carriers, you'll like that most claims are processed through Healthy Paws within two days.

PLANS





What pets can be covered by Healthy Paws pet insurance?

Healthy Paws provides pet insurance plans for both dogs and cats.

What types of plans does Healthy Paws offer?

Healthy Paws doesn't want pet insurance to be confusing for their clients, so they offer only one type of plan for dogs or cats. That makes everything straightforward, so you'll know upfront what will be covered and what won't. Their plans cover new accidents and illnesses, so your pet will be eligible for coverage on things like injuries, cancer, emergency, and FDA-Approved alternative care, as well as genetic conditions.

When does Healthy Paws recommend you sign up for pet insurance?

To take the best care of your pet, it's recommended that you begin pet insurance when your pet is eight weeks old. If you haven't done it by then, they will continue to be eligible for enrollment before their 14th birthday.

Does Healthy Paws offer a discount for multiple pets?

Healthy Paws does not offer discounts. Instead, they opt to provide one affordable plan that takes into account your pet's species, age, breed, and location.

Does Healthy Paws offer pet insurance in all 50 states?

Healthy Paws does offer pet insurance in all 50 states, as well as Washington D.C.

COVERAGE





Which breeds can be covered by Healthy Paws pet insurance?

Healthy Paws doesn't exclude pets from an insurance policy based on breed, so every pet qualifies for insurance as long as they meet eligibility requirements.

What are the minimum and maximum ages that are covered by Healthy Paws pet insurance?

Healthy Paws pet insurance policies can start when your pet is as young as 8 weeks old, and they must be enrolled no later than their 14th birthday if you want coverage for their golden years.

Which common procedures are covered by Healthy Paws pet insurance?

With a Healthy Paws pet insurance policy, you'll receive reimbursement on veterinary bills reflective of the rate you've chosen and your plan will cover diagnostic treatment, FDA-Approved alternative treatment, and emergency care as needed for eligible conditions.

Are emergency vet visits and procedures covered by Healthy Paws pet insurance?

Pets often have emergencies that require urgent care, despite your best efforts to keep them safe. If your dog or cat needs to seek emergency care, Healthy Paws will reimburse you for that coverage at the same rate you are covered for primary veterinarian care. That means you are able to visit any licensed 24-hour emergency animal hospital so your pet can receive urgent care when they most need it. 

With this plan, you are able to visit specialty hospitals for surgery or treatment without the need for referrals. Those specialty hospitals include emergency or critical care, orthopedic specialists, oncologists, ophthalmologists, internal medicine experts, neurology, radiology, and cardiology.

Which procedures or conditions are not covered by Healthy Paws pet insurance?

If your pet has hip dysplasia, it will only be covered by Healthy Paws if you enroll your pet for pet insurance before they are six years old. After you've enrolled your pet, there will be a 12-month waiting period before hip dysplasia coverage can kick in, except in Maryland and New Hampshire. Also, preventative care, dental healthcare, pet diets,  and examination fees aren't included.

Are medicines and vaccinations covered by Healthy Paws pet insurance?

Healthy Paws Plan does not cover standard wellness vaccines; however, if your pet needs prescription medicines, your pet insurance plan from Healthy Paws will cover them, as long as they are ordered by a vet.



CLAIMS





How long is the waiting period after enrolling with Healthy Paws pet insurance?

Healthy Paws requires a 15-day waiting period after your policy effective date, except in Maryland and New Hampshire where waiting periods do not apply. If your pet is enrolled before they turn six years old, there will be a 12-month waiting period for hip dysplasia.

How do I file a claim with Healthy Paws?

Take a photo of your veterinary bill and submit it into your Customer Portal through either the Healthy Paws App or website.

How do I pay my Healthy Paws premiums? Do I have an option between paying monthly vs. paying annually?

With Healthy Paws, your monthly premium will show up on your credit card or debit card each month on the same date. They'll accept VISA, MasterCard, Discover, and American Express credit or debit cards.

What other things should I consider about my Healthy Paws pet insurance coverage?

If you like the idea of giving back to the pet community, you'll enjoy knowing that Healthy Paws makes a donation to homeless pets for every pet insurance quote they give. As of Sept. 1, 2021, they had donated more than $1.6 million to homeless pets.



CUSTOMER SERVICE





What kind of customer support does Healthy Paws offer?

Healthy Paws employs a top-notch customer service department that can be reached over the phone or online. Almost anything you need to do with your account can be managed online at any time of the day.

Does Healthy Paws have a mobile app? 

If you love technology, you'll like that Healthy Paws offers apps for both iOS and Android.

Does Healthy Paws offer a trial period?

Healthy Paws offers a 30-day Free Look period. If, during that 30-day period, you decide pet insurance isn't right for you, you can cancel the policy for a full refund as long as you haven't submitted a claim during that time. The Free Look period is not available in all states, though.

How can I cancel my Healthy Paws pet insurance plan?

Healthy Paws makes it easy to cancel your pet insurance policy if you decide it's not right for you or if something happens to your pet. You can send them an email, contact them through regular mail or fax, or call them to cancel your policy.