Healthy Paws: Pet insurance is an excellent way to ensure the health and well-being of your beloved animal companion. However, not all insurance companies are created equal, so it’s necessary to compare pet insurance carriers to pick the one best suits your specific requirements and budget.
Continue reading our Healthy Pet Insurance review to learn more about the company’s history, available plans, price information, and other important information.
The Following Is The Table Of Contents:
Background information on Healthy Paws Pet Insurance.
Healthy Paws Pet Insurance: A Quick Overview
Is Healthy Paws A Reputable Source Of Pet Insurance?
What we enjoy about Healthy insurance coverage is that it is reasonably priced. What aspects of the program may be enhanced. Healthy Paws Pet Insurance has a long and distinguished history.
Steve Siadek and Rob Jackson co-founded the Healthy Pet Insurance & Foundation in 2009, which is dedicated to helping pets in need. The two co-founders met through a no-kill animal shelter in their hometown.
Jackson was working as an insurance executive at the time, and he had been adopting pets from the shelter. Healthy Paws also has a non-profit organization that helps homeless pets in addition to its pet health insurance business.
When the co-founders realized that pet parents needed assistance coping with the financial implications of veterinarian care, they formed Healthy to fill that need. It also provides support to animal rescue organizations that provide care for sick and injured companion animals.
An Overview Of Healthy Paws Pet Insurance Is As Follows:
Healthy Paws pet insurance offers a single insurance plan that provides coverage comparable to other pet health insurance policies. Healthy Paws does not provide a wellness plan as an alternative.
The number and types of pets covered, the ages of the pets, and the pet parent’s location will all influence the premiums and costs charged. Instead, the company only offers an accident and illness plan, which can help consumers save up to 90 percent on their vet fees in an accident or illness.
The Following Are Included In The Plan:
- Illnesses
- Hereditary conditions are those that are passed down via families.
- Accidents
- Obstetrical problems are inherited.
- Cancer
- Conditions that last over a long period
- Treatment for diagnostic purposes
- Surgery
- X-rays, blood tests, and ultrasounds are all examples of diagnostic procedures.
- Hospitalization
- Medical attention in an emergency
- Medicines obtained with a prescription
- Care that is specialized
- Alternative therapies are available.
Additionally, the Healthy Paws plan does not cover any veterinary examination costs. It is specified by Healthy Paws that illnesses or injuries that occur within the first 15 days of the pet policy’s effective date will not be covered by the company.
Healthy dog pays for most veterinarian expenditures related to hip dysplasia, but only for pets under the age of six at the time of enrollment and only after a waiting period has elapsed before coverage begins.
There are no breed-specific exclusions for any of the conditions covered by Healthy Paws. Pets registered before their sixth birthday must wait a minimum of 12 months before receiving hip dysplasia coverage.
The waiting period begins on the date that the policy becomes effective. Policies become effective at 12:01 a.m. on the day following the day on which you enroll your pet. Healthy Paws, like all pet insurance providers, does not provide coverage for pre-existing conditions, which is a disappointment.
According To The Sample Policy Provided By The Insurance Firm, Pre-Existing Conditions Are Defined As Follows:
An illness or ailment that developed or redeveloped before the effective date of the pet insurance policy. The occurrence of an injury or the recurrence of an injury as a result of an accident that occurred previous to the effective date of the pet insurance policy.
Condition or complication resulting from a disease that arose or injury due to an accident that occurred previous to the effective date of the pet policy are excluded from coverage. Chubb Insurance is responsible for underwriting Healthy Paws’ insurance policies.
Is It Possible To Compare Their Claims And Reimbursement Processes To Those Of Other Companies?
Customers can submit a claim online or through the Healthy Paws Mobile App without filling out a claim form, saving time and money. Customers have stated that the claims process at Healthy Paws is far faster and easier than that of some other suppliers.
Instead, customers should upload their veterinary invoices, and Healthy Paws would take care of the rest of the paperwork. Customers can also submit a standard claim form, accompanied by an itemized invoice if that is their preferred method. To expedite reimbursements, Healthy Paws claims to reimburse claims as promptly as feasible.
According to the corporation, 99 percent of its claims are processed within two business days of receiving. To meet this goal, the company strives to handle claims within ten business days of their submission.
On the other hand, Healthy Paws says that the speed with which your veterinary clinic delivers the documents required to complete the claim process may be dependent on how quickly your veterinary clinic provides the records necessary to complete the claim process.
Is Healthy Paws A Reputable Source Of Pet Insurance?
Accident and illness coverage is provided by the company, including coverage for a wide range of inherited disorders, congenital conditions, and chronic health problems. In general, the Healthy pet insurance plan is equivalent to those offered by other pet insurers in terms of price and coverage.
Healthy Paws even provides coverage for non-traditional forms of care such as acupuncture and hydrotherapy sessions. The company is accredited by the Better Business Bureau (BBB) and has received an “A” rating from the organization. The majority of third-party evaluations of Healthy Paws are good.
According to the site, a 4.4/5 rating from over 1,000 customers on Trustpilot has earned Healthy Paws the designation of “Excellent,” according to the site. Customer feedback for Healthy Paws has likewise been overwhelmingly positive.
Additionally, on ConsumerAdvocate.org, Healthy Paws has received a rating of 4.9 out of 5 stars. Some responses show that consumers’ monthly premiums climbed by as much as 70% due to the hike. Nonetheless, some recent Trustpilot customer evaluations express dissatisfaction with a considerable fee hike until 2021.
Premiums
Other consumers have complained that their insurance premiums have increased as a result of filing a claim. When compared to other providers, Healthy Paws also provides unlimited lifetime coverage, some degree of plan customization, and a simple claims process, among other things. The organization has been in operation for more than a decade, making it more seasoned than many more recent pet health insurance providers.
Most pet insurance companies have restrictions on at least some of their claims, which is standard practice. There are no limits on the number of insurance claims that can be paid out per occurrence, per year, or throughout a lifetime.
Most significantly, there are no payout limits on any of the plans offered by Healthy Paws. Finally, Healthy Paws has established a foundation dedicated to the welfare of animals.
Among The Things We Appreciate About Healthy Paws Insurance Coverage Are:
Healthy Paws pet insurance offers a single plan to all of its customers, making things easier for everyone. Additionally, it provides particular customization possibilities. To save money on monthly premiums, you can configure your plan to reimburse at a high rate of 90 percent, or you can choose a lesser reimbursement rate to save money on monthly premiums.
Another advantage of Healthy Paws pet insurance is that there is no cap on the amount of money claimed. Throughout the life of your plan, you will never get more than the maximum payout per occurrence or year.
It also features a relatively straightforward claim procedure. A smartphone is required to submit claims; there is no need to fill out a form. Even while this has no impact on the price or quality of Healthy Paws insurance, it is something to keep in mind when comparing your coverage options. Finally, Healthy Paws operates a nonprofit that assists sick and abandoned pets.
It Is Possible To Make Improvements In The Following Areas:
Many pet insurance companies provide a wellness plan in addition to their conventional pet insurance policies. Some even give a discount if you purchase both procedures simultaneously. The most significant flaw with Healthy Paws’ offering is that it does not have a wellness component. Single-plan systems are convenient, but they may not be appealing if you prefer to have various options.
In addition, when compared to other suppliers, Healthy foot provides a restricted number of personalization possibilities. The insurance plan offered by Healthy dog is also subject to certain significant limitations.
Your pet must have had a comprehensive vet exam within 30 days of the effective policy date or at least 15 days after the effective policy date if it is more than six years old at the time of enrollment. There is a 12-month waiting period for hip dysplasia coverage, and in most states, you will not be able to receive hip dysplasia coverage for a pet that is older than six years.
Accident Coverage
During the first 15 days after your policy goes into effect, you will not be covered for any accidents or illnesses that happen. The pet insurance market is notorious for having long waiting periods. However, some pet insurance carriers are more generous.
Accident coverage is available in some policies immediately upon enrollment, for example. Finally, coverage for pets above six is subject to some restrictions under Healthy Paws insurance. If you have an older dog or cat, you might be able to find a better solution.
