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Pet Insurance Coverage and Benefits
Healthy Paws Pet Insurance Coverage Overview
Healthy Paws Pet Insurance Coverage Overview
Protect your pet with the Healthy Paws pet insurance plan and help give your dog or cat the right medical care while protecting you from unexpected, and expensive, veterinary bills.
What Does Pet Insurance Cover?
Pet insurance is designed to cover the unexpected accidents and illnesses that you just can't plan for, such as when the dog swallows something he shouldn't, or the cat gets a urinary tract infection. With a Healthy Paws plan, you can be covered for your vet bills for these unexpected incidents. Coverage includes emergencies, hereditary or congenital conditions, cancer, and chronic conditions.
Healthy Paws offers one simple plan that provides you and your pet with no caps on claim payouts. You can visit any licensed veterinarian and your Healthy Paws plan will reimburse you based on your actual vet bill, as opposed to some plans that reimburse based on what they think the treatment for a specific condition should cost.
Benefits of Pet Insurance with Healthy Paws
- One Simple Plan. We offer one easy-to-understand pet health insurance plan that covers new accidents and illnesses including injuries, cancer, genetic conditions, alternative and emergency care.
- No Caps on Claim Payouts. Unlike some pet insurance plans, the Healthy Paws plan has no maximum limits on payouts; no per incident, annual or lifetime caps.
- Committed to Our Customers. Our commitment to our customers is to provide unparalleled service and support, and access to a great pet insurance plan. Our customers think highly of us and have given Healthy Paws the highest rating at Consumers Advocate, Canine Journal, and many more review sites.
- Most Claims are Processed Within 2 Days. Our team of pet passionate, claims adjusters work tirelessly to process most claims within two business days. Plus, submit your claims in just seconds by simply uploading a photo of the vet bill through our mobile app or online. It's that easy!
Plan Coverage
Healthy Paws pet insurance plan coverage has no caps on payouts.
If your pet needs treatment for a new accident or illness (except pre-existing conditions or as otherwise excluded under the policy), your pet's veterinary bills will be eligible for coverage.
- Illnesses
- Accidents
- Hereditary Conditions
- Congenital Conditions
- Chronic Conditions
- Cancer
- Diagnostic Treatment
- X-Rays, Blood Tests, Ultrasounds
- Surgery
- Hospitalization
- Prescription Medications
- Emergency Care
- Specialty Care
- Alternative Treatment
View Conditions Glossary for more on individual conditions
Reimbursement up to 80% on vet bills, with no caps on per-incident, annual, or lifetime payouts.
"Our policy with Healthy Paws enabled us to provide a life- saving surgery for our fur baby Bennet. Words can't express how grateful we are to Healthy Paws and their fantastic team for keeping him with us for many years to come! Claims are easy to file and paid quickly via direct deposit for covered illness and injury care, including testing, costs and medications."
- Melissa on PetInsuranceReview.com, 11/1/2024
Pet Insurance Plan Exclusions
We're all about helping protect your pet from unexpected accidents and illnesses and you from the financial burdens of their treatment.
Healthy Paws Pet Insurance Does Not Cover the Following:
Q: Does Healthy Paws pet insurance cover pre-existing conditions?
A: No. Pre-existing conditions are not covered under our insurance policy.
Q: Does Healthy Paws pet insurance cover the examination fee?
A: No. examination fees are not covered under our insurance policy.
Q: Does Healthy Paws pet insurance cover cruciate ligament injuries?
A: No. Treatment for cruciate ligament injuries is covered if it is not pre-existing. A pre-existing
cruciate ligament injury has a bilateral exclusion. If the cruciate ligament on one leg is injured prior
to enrollment or during the 15-day waiting period, then the cruciate ligament on the other leg is
excluded from coverage. This is the only bilateral exclusion in our policy.
Q: Does Healthy Paws pet insurance cover preventative care?
A: Our plan is designed to cover unexpected accidents and illnesses that you cannot plan for. As a
result, Healthy Paws does not cover:
- Preventive healthcare including vaccinations or titer test, flea control, heartworm medication, de-worming, nail trim, and grooming.
- Parasite control including but not limited to internal and external parasites for which readily available prophylactic treatments are available.
- Dental health care, however if injury to teeth is caused by an accident, the plan does cover the cost of extraction and/or reconstruction of damaged teeth.
- Spaying and neutering.
- Anal gland expression.
In addition, the plan does not reimburse the costs, fees or expenses associated for elective procedures, boarding, behavioral modification, training, therapy or medications for behavioral modification. Please see the policy for more information on exclusions
What is a Pre-Existing Condition for Pets?
A pre-existing condition means that the condition first occurred or showed clinical signs or symptoms (there doesn't need to be a diagnosis) before your pet's coverage started. For specific coverage information, including waiting periods, please review your state-specific policy.
Our Commitment to Our Customers
The Healthy Paws Pet Insurance plan is easy to understand, it reimburses quickly, and you can count on us to help, especially when it comes to reducing the stress of caring for a sick pet.
Our commitment is to provide you and your pet with the best customer service and a great pet insurance plan. We are grateful to our pet-passionate customers for sharing their love of our plan and service by giving us a 4.9/5 satisfaction rating at Consumers Advocate!
Pet Insurance Coverage and Policy FAQs
How do pet insurance claims work?
We don't require a claim form for processing. You can simply submit your claim by taking a photo of your invoice and uploading it through our online Customer Center or the Healthy Paws mobile app.
If you prefer, you can also submit your invoice(s) and supporting medical documents to claims@healthypawspetinsurance.com
fax (888-228-4129), or mail to:
Healthy Paws Pet Insurance
P.O. Box 50034
Bellevue, WA 98015
Can I go to any vet?
Yes. Healthy Paws accepts claims for any licensed vet in the U.S., including specialists and emergency animal hospitals.
How much of my vet bills does pet insurance cover?
How much is covered will depend on what coinsurance level and annual deductible you chose when you enrolled. Reimbursements are based on your actual veterinary bills. Claims representatives determine the total of the covered treatments, if any, and multiply that by your reimbursement rate. They then subtract your remaining annual deductible.
Does Healthy Paws offer pet insurance near me?
Healthy Paws pet insurance is available in all 50 states, and Washington D.C.
Can I change my pet insurance policy later?
Yes. If you have submitted any claims, you can lower your reimbursement level and raise your deductible. This would result in a lower monthly premium.
If you haven't submitted any claims, you can raise or lower your deductible and raise or lower your reimbursement level. A lower deductible and higher reimbursement level would result in lower out-of-pocket expenses and a higher reimbursement, and correspondingly, a higher monthly premium.
Can I cancel my pet insurance policy at any time?
Yes. If you want to cancel your policy, you can let us know via regular mail, fax, email or verbally. Once the account is canceled, you will no longer have access to the online Customer Center. Learn more about canceling a Healthy Paws plan here.
"Unfortunately my dog ate a foreign object and needed major surgery. My wife and I were worried about the coverage and maybe getting push back from insurance company. But in a matter of a few days I got approval from them on the medical bills, no question asked. It was great as we shifted our focus on our beautiful dog's recovery. Thank you Healthy Paws! Highly recommended!"
- Anelio on PetInsuranceReview.com, 11/04/2024
1 The Healthy Paws plan includes coverage for hip dysplasia when you enroll your pet before the age of six. Please review your state-specific information regarding pet enrollment age and waiting periods for more details. If signs or symptoms of hip dysplasia are noted by your veterinarian before your enrollment or during any application waiting period, hip dysplasia will be considered pre-existing and will not be covered.
