Healthy Paws Pet Insurance Review 2022: Pros, Cons & Verdict


In This Review: Our Review | Pricing  | Deductibles & Claims | Coverage | Customer ReviewsConclusion

Our Verdict

We give Healthy Paws Pet Insurance a rating of 3.5 out of 5 stars.

Healthy Paws pet insurance offers good prices and unlimited annual coverage limits. However, it’s not the ideal pet insurance plan for older pets, as any animals over the age of 6 have limited deductible and reimbursement options. If your pet is enrolled over age 6, they are ineligible for coverage for certain conditions, such as hip dysplasia.


Healthy Paws Pet Insurance Review

  • No annual payout limits for claims
  • Directly pays your vet for eligible claims
  • 24/7 access to telehealth services
  • Reimbursement and deductible options change as your pet ages
  • No wellness care coverage
  • 12-month waiting period for hip dysplasia and no coverage after age 6
  • Does not cover examination fees for accidents or illnesses

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About Healthy Paws

Healthy Paws offers quality accident-and-illness coverage with no annual limits for payouts. This is ideal for customers who want this type of coverage because they won’t have to worry about maxing out their claims.

Healthy Paws is best for pet owners signing up for coverage when their pets are young. Deductibles go up and reimbursements go down for older animals, and some conditions aren’t eligible for coverage over age 6. If you are looking for a policy that will help with expenses for your senior pet, Healthy Paws is not the best choice.

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Pricing & Plans (Updated in 2022)

Pet Insurance Cost Comparison

Base Policy

Healthy Paws offers one simple accident-and-illness plan to help with unexpected vet bills for your dog or cat. There are three different deductible choices with this plan and three reimbursement options. The higher your deductible is, the lower your monthly premiums.

Every policy with Healthy Paws covers unexpected accidents or illnesses, and there is no cap on payouts.

Customizations

Unlike many other pet insurance companies, Healthy Paws does not offer add-on packages for additional coverage. The only customization options are to choose your deductible and reimbursement levels. These change based on your pet’s age, so there are fewer choices as your pet gets older.

Healthy Paws Price Comparison for Dogs

Border Collie Large Mixed Breed
Male or Female Male Female
Age 4 4
Location Montana Montana
Reimbursement Level 80% 80%
Annual Deductible $250 $250
Annual Max None None
Price per month $35.74 $53.60
Breed Name Under 1 5 Years Old
American Cocker Spaniel $41.09 $59.92
French Bulldog $60.89 $79.43
Domestic Shorthaired Cat $13.17 $17.18

Deductibles & Claims

Healthy Paws offers three different deductibles on its policies. You can choose any of the three options available, but your choices change as your pet ages. Reimbursement percentages also change as your pet gets older.

Pet Age Deductible Choices
Age 5 and under
Age 6–7
Age 8 and older
Pet Age Reimbursement Choices
Age 5 and under
Age 6–7
Age 8 and older

What Does Healthy Paws Cover?

Healthy Paws has only one insurance plan option that covers accidents and illnesses.

Coverage Item Annual Limit
Ear Infection No Limit
Cancer Testing No Limit
Accidental Poisoning No Limit
Prescription Medication No Limit
Emergency Treatment No Limit
Bloodwork No Limit

Covered

  • Accidents like broken bones, poisonings, and cuts
  • Illnesses with a sudden onset, like ear infections or urinary tract infections
  • Hereditary conditions
  • Congenital conditions
  • Cancer treatment
  • FDA-approved alternative treatments
  • Hospitalization due to accident or illness
  • Emergency care
  • Specialist consultations
  • Diagnostic testing like bloodwork, X-rays, and ultrasounds
  • Prescriptions
  • Emergency surgery

Not Covered

  • Pre-existing conditions
  • Examination fees
  • Routine care or wellness visits
  • Dental care
  • Spaying or neutering
  • Daycare or pet boarding
  • Behavioral training
  • Cosmetic procedures
  • Prescription diets

Healthy Paws insurance policies contain a “bilateral exclusion” clause for cruciate ligament issues. If your pet has a cruciate ligament condition on one side of their body before obtaining coverage, you will not receive coverage if they develop an injury on the opposite side.


Pre-existing Conditions

There is no coverage available under Healthy Paws pet insurance for pre-existing conditions.


Waiting Periods

It’s normal for pet insurance plans to have a waiting period before your coverage begins. Healthy Paws has a 15-day waiting period for accidents and illnesses, one day longer than most insurance companies, which have 14 days. Some companies, like Embrace, offer a 48-hour waiting period for accident coverage.

There is a 12-month waiting period for hip dysplasia coverage if your pet is enrolled under the age of 6. Pets over the age of 6 will be excluded from this coverage entirely.


Reviews From Customers

Customer reviews for Healthy Paws pet insurance are quite good overall. Here is what pet owners like about it:

  • Healthy Paws pays your vet directly, so you don’t have to pay the bill up front.
  • Customer service is easily accessed and helpful.
  • It honors major claims without hassle.
  • Having no annual limit is a huge bonus if your pet gets diagnosed with a severe illness.
  • The company is transparent about what is and isn’t covered when you sign up for a policy, so there are no surprises.

FAQ

Who is the insurance underwriter for Healthy Paws?

Healthy Paws insurance policies are all underwritten by Chubb. Which Chubb company issues your policy will depend on your location, but Healthy Paws is available in all states.

Does Healthy Paws have any coverage limits?

Healthy Paws plans have no caps on payouts of any kind. There are no annual limits, lifetime limits, or per-incident limits on coverage.

You can use any licensed veterinarian you choose and receive coverage with Healthy Paws insurance.

Does Healthy Paws cover wellness or preventative care?

Wellness care does not receive coverage under Healthy Paws. This includes but is not limited to vaccinations, heartworm testing, dental care, deworming, and spay/neuter surgery.

Does Healthy Paws cover end-of-life expenses?

Healthy Paws insurance plans will cover the cost of euthanasia when it is considered medically necessary for an eligible condition. Aftercare, including burial and cremation, is not eligible for reimbursement.

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Our Verdict

Overall, Healthy Paws pet insurance receives 3.5 out of 5 stars for this review. While it offers competitive pricing and no coverage limits of any kind, this insurance provider changes your deductible and reimbursement options as your pet ages. When you may need coverage the most is when your options are decreased. There are no options for wellness care add-ons to policies. The ability to have claims paid directly to your veterinarian, however, is a huge plus.

Healthy Paws is a good choice for new pet parents who wish to enroll their pet for emergency coverage within their first years of life. For older pets, there are better coverage options.



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