Compare Healthy Paws Pet Insurance

Comparison Fact Sheet

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Company Info
Company Name Healthy Paws
Also Known As  
Address P.O. Box 50034
Bellevue, WA 98015
Phone 1-800-453-4054
Website www.healthypawspetinsurance.com
Plans That Provide Both Accident and Illness Coverage Healthy Paws Accident and Illness
States Covered All 50 states, including DC
Underwriter and AM Best Financial Strength Rating Insurance underwritten by The Chubb Group.

The Chubb Group has an AM Best Financial Strength Rating of "A++" and an Outlook of "Stable" as of 4/1/17.

For the most recent ratings go to: AM Best and enter the name of the underwriter in the box labeled 'Text'.
Year Company Started 2010

 

Policy Basics
Policy Term Month to Month
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Pet must be 8 weeks and under 14 years of age
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period There is a waiting period of 15 days after your policy effective date for accidents and illnesses.

There is a 12 month waiting period for hip dysplasia.

Hip dysplasia coverage is only available to pets who are enrolled before 6 years of age. (See "Hip Dysplasia")
Waiting Period for Cruciate Injury 15 days for cruciate injuries
Coverage When Travel Out of State or Country? Out of State Coverage - You WILL be covered while traveling in other states with your pet.

Out of Country Coverage - You WILL be covered temporarily while traveling in Canada with your pet
Can the Price of the Policy Increase as my Pet Ages? The policy states that the monthly premium can increase to reflect changes in the cost of veterinary medicine. It does not mention age. Call Healthy Paws to confirm that age is not a factor in determining premium increases.

Also contact the company for more information on when and how 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. (Please 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 can choose any licensed veterinarian in the US, Canada and Mexico, but you must live in the US permanently to purchase a policy
Money Back Guarantee? If you change your mind within 30 days they will refund your money in full as long as you have not filed a claim.
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 call 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 fee.
Illness -
Baseline Coverage
Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.

Does not cover veterinary exam fee.
Behavioral Therapy Coverage [NO]
Alternative Therapy Coverage [YES]

Treatments must be recommended and conducted under the supervision of a licensed veterinarian.
Pre-existing Conditions Policy Pre-existing conditions are not covered.

According to the sample policy on their website, a pre-existing condition means:
  1. "(1) illness or the recurrence of any illness or condition which first occurred or displayed any signs and/or symptoms consistent with the stated illness or condition prior to the pet policy effective date; or
  2. (2) an injury or recurrence of an injury that occurred prior to the pet policy effective date; or
  3. (3) any condition or complication resulting from an illness or injury that occurred prior to the pet policy effective date."
**See actual policy or call Healthy Paws for complete description of pre-existing conditions.
Hereditary & Congenital Conditions Coverage Hereditary and congenital conditions are covered as long as your pet is not showing signs and the disease has not been diagnosed or suspected prior to enrollment or during the waiting period.

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.

A hip exam is no longer required. If you sign up for Healthy Paws, check your declarations page to make sure this is stated.

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

Chronic conditions are covered up to the maximum payout. (Please Note: Healthy Paws has an unlimited payout structure.)
Chronic Conditions Policy Chronic conditions are covered up to the maximum payout. (Please Note: Healthy Paws has an unlimited payout structure.)

They do not cover chronic conditions that are pre-existing or that occur during the waiting period.

**See actual policy or call Healthy Paws for complete description of their Chronic Conditions Policy.
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. (Please Note: Healthy Paws has an unlimited payout structure.)
Hip Dysplasia [INCLUDED FOR THOSE MEETING CERTAIN CRITERIA]
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.

A hip exam is no longer required. If you sign up for Healthy Paws, check your declarations page to make sure this is stated.

Your pet must not be showing signs and the disease must not have been diagnosed or suspected prior to enrollment or during the waiting period.

(See 'Hereditary & Congenital Conditions Coverage' section above)
Prescription Drug Coverage [INCLUDED]

**See actual policy or call 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 upper and lower canine teeth.

**See actual policy or call Healthy Paws for full list of inclusions and exclusions.
Bilateral Conditions Policy If your pet has been diagnosed with a cruciate ligament problem in one leg knee that is pre-existing or that occurs during the waiting period, a cruciate problem in the other leg will not be covered, even if it happens after the waiting period.

For Healthy Paws, cruciate ligament problems are the only bilateral exclusion on their policy.

**See actual policy or call Healthy Paws for a list of medical conditions that are considered bilateral and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)
Diagnostics and treatments due to illness and accidents

[Included] Hereditary & Congenital Disorders, Continual Chronic Conditions Coverage, Cancer Coverage, Prescription Medications, Dental Illness/Accident (limited), Hip Dysplasia (available to those meeting certain criteria) (Refer to each category's section for limitations)

**See actual policy or call 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
  • Elective Procedures
  • Routine Care
  • Behavioral Therapy
  • Pregnancy
  • If there is a cruciate ligament problem that is pre-existing, the other leg will not be covered for cruciate injuries.
...See policy for a complete listing

 

How The Policy Works
Co-pay 10%, 20% or 30%
Deductible Deductible is annual. Choose $100, $250, or $500
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual
How is Reimbursement Determined Based on actual veterinary bill. Reimbursement will be no greater than the amount charged to any other client of the treating veterinary clinic (for the same procedures).
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 $13.00 - $90.00 depending on your location, breed of pet, add on, etc

 

Additional Info
Get A Quote Get A Quote
My Review Healthy Paws Review
What are Customers Saying? PetInsuranceReview.com; Yelp.com (1); Yelp.com (2) and Yelp.com (3)
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 calling the company or reading the most current policy. 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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