Compare Healthy Paws Pet Insurance

Comparison Fact Sheet
Updated 1/30/2024

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name Healthy Paws
Also Known As  
Address 11120 NE 33rd Pl
Bellevue, WA 98004
Phone 855-898-8991
Website www.healthypawspetinsurance.com
Plans That Provide Both Accident and Illness Coverage Healthy Paws Accident and Illness Plan *
States Covered Available in all states
Underwriter and AM Best Financial Strength Rating Insurance underwritten by ACE American Insurance Company, Westchester Fire Insurance Company, Indemnity Insurance Company of North America, ACE Property and Casualty Insurance Company and Atlantic Employers Insurance Company. All are a part of the Chubb U.S. Group of Insurance Companies.

ACE American Insurance Company has an AM Best Financial Strength Rating of "A++" and an Outlook of "Stable" as of 1/30/2024.

Westchester Fire Insurance Company has an AM Best Financial Strength Rating of "A++" and an Outlook of "Stable" as of 1/30/2024.

Indemnity Insurance Company of North America has an AM Best Financial Strength Rating of "A++" and an Outlook of "Stable" as of 1/30/2024.

ACE Property and Casualty Insurance Company has an AM Best Financial Strength Rating of "A++" and an Outlook of "Stable" as of 1/30/2024.

Atlantic Employers Insurance Company has an AM Best Financial Strength Rating of "A++" and an Outlook of "Stable" as of 1/30/2024.

For the most recent ratings go to: AM Best
Year Company Started 2009

 

Policy Basics
Policy Term 12 Months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Minimum - 8 weeks old

Maximum - 14 years old
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 15 days for illness.

15 days for accidents.

12 months for hip dysplasia.
Hip dysplasia coverage is only available to pets who are enrolled before 6 years of age. (See 'Hip Dysplasia' section below)

**Waiting Periods can vary by state. See actual policy or contact Healthy Paws to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury 15 days for cruciate injuries

**Waiting Periods can vary by state. See actual policy or contact Healthy Paws to confirm the waiting periods for your state.
Coverage When Travel Out of State or Country? You may visit any licensed veterinarian in the US or Canada.
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact Healthy Paws for more information on when and by how much your premium may increase.
Does Coverage Stop Due to Age? No
What Happens when the Policy Renews? Chronic conditions will continue to be covered as long as you do not go over your Maximum Payout. (Note: Healthy Paws has an unlimited payout structure.)
Can the Price of the Policy Increase if a Claim is Filed? No
Choice of Vet? You may visit any licensed veterinarian in the US or Canada.
Money Back Guarantee? There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.

*May vary by state
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? No
Additional Requirements **See actual policy or contact Healthy Paws for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy available online

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.

Does not cover veterinary exam or consultation fees.
Illness -
Baseline Coverage		 Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.

Does not cover veterinary exam or consultation fees.
Behavioral Therapy Coverage [NO]
Alternative Therapy Coverage [INCLUDED]

Alternative Therapy is covered when performed by a licensed veterinarian.

**See actual policy or contact the company for a complete description of what types of Alternative Therapy are covered.
Pre-existing Conditions Policy Pre-existing conditions are not covered.

According to the sample policy on their website, a pre-existing condition is an:

"a. Illness or condition which developed or redeveloped prior to the pet policy effective date;

b. an injury, or recurrence of an injury, as a result of an accident that occurred prior to the pet policy effective date; or

c. any condition or complication resulting from an illness that developed, or any injury as a result of an accident that occurred prior to the pet policy effective date. "

**See actual policy or contact Healthy Paws for complete description of their pre-existing conditions policy.
Hereditary & Congenital Conditions Coverage [INCLUDED] Hereditary and congenital conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

These conditions are covered up to the Maximum Payout. (See 'Max Payout' section below) (Note: Healthy Paws has an unlimited payout structure.)

Hip dysplasia coverage is only available to pets who are enrolled before 6 years of age. This coverage is subject to a 12 month waiting period. This may vary by state.

**See actual policy or contact Healthy Paws for complete description of their Hereditary & Congenital Conditions Policy.
Continual Coverage for Chronic Conditions [INCLUDED] Continual coverage for chronic conditions is included with the policy.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below) (Note: Healthy Paws has an unlimited payout structure.)
Chronic Conditions Policy Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below) (Note: Healthy Paws has an unlimited payout structure.)
Cancer Coverage [INCLUDED] Cancer conditions are covered if they are not pre-existing and have not occurred during the waiting period.

(See 'Chronic Conditions Policy' section above)
Cancer Coverage Limits Cancer conditions are covered as long as you do not go over your maximum payout. (Note: Healthy Paws has an unlimited payout structure.)
Hip Dysplasia [INCLUDED FOR THOSE MEETING CERTAIN CRITERIA]
Hip Dysplasia is covered as long it is not pre-existing and has not occurred during the waiting period.

Hip Dysplasia coverage is only available to pets who are enrolled before 6 years of age.

Hip Dysplasia coverage is subject to a 12 month waiting period. This may vary by state.

This condition is covered up to the Maximum Payout. (Note: Healthy Paws has an unlimited payout structure.)
Prescription Drug Coverage [INCLUDED]

FDA approved prescription drugs are covered.

**See actual policy or contact Healthy Paws for full list of inclusions and exclusions
Pregnancy Coverage [NO]
Routine/Wellness Coverage [NO] - Routine Care is not covered or offered as an addon
Vaccinations [NO] - Routine Care is not covered or offered as an addon
Spay/Neuter [NO] - Routine Care is not covered or offered as an addon
Dental Care (Routine) [NO] - Routine Care is not covered or offered as an addon
Dental Care (Illness/Accident) [LIMITED COVERAGE]
If injury to teeth is caused by an accident, they cover the cost of extractions of damaged teeth and of reconstruction of damaged teeth.

Extractions related to dental decay are excluded from coverage .

**See actual policy or contact Healthy Paws for full list of inclusions and exclusions.
Bilateral Conditions Policy According to their website, "The cruciate ligament is the only bilateral* exclusion in the policy."

"If your pet has shown lameness, or a full/partial tear [sic: of the cruciate ligament] before enrollment or during any applicable waiting period, on either side prior to enrollment, the other side is also excluded from coverage."

**Confirm with Healthy Paws that this is the only bilateral condition exclusion.
Coverage - Overview
(please read policy for full coverage details)		 Diagnostics and treatments due to illness and accidents

[Included] Cancer, Prescription Medications, Hereditary/Congenital coverage, Alternative Therapy, Dental (limited coverage), Continual Chronic Conditions Coverage (Refer to each category's section for limitations)

**See actual policy or contact Healthy Paws for full list of inclusions, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Conditions that occur during the waiting period
  • Veterinary exam fees
  • Routine Care
  • Behavioral Therapy
  • Pregnancy
  • Hip Dysplasia Coverage for dogs 6 years and older
...See policy for a complete listing

 

How The Policy Works
Reimbursement Reimbursement percentage options vary based on age of pet.
Deductible Annual Deductible.

Options vary based on age of pet.
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual
How is Reimbursement Determined Reimbursement is based on Actual Vet Bill

Reimbursements are calculated by applying your reimbursement percentage first then your deductible. This can lead to being reimbursed less than companies that subtract the deductible BEFORE applying the reimbursement percentage.
Max Payout Annually Healthy Paws does not have a maximum annual payout
Max Lifetime Payout Healthy Paws has an unlimited lifetime maximum payout
Max Payout per Incident Healthy Paws does not have a maximum payout per incident
Max Payout Based on Body System Healthy Paws does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $14.00 - $300.00 depending on your location, the options you pick, etc.

 

Additional Info
My Review Healthy Paws Review
What are Customers Saying? PetInsuranceReview.com; Yelp.com (1); Yelp.com (2) and Yelp.com (3)

Also check with your state's Department of Insurance to see if any complaints have been filed for this company
Better Business Bureau bbb.org
Additional Info  


**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by contacting the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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