Healthy Paws Pet Insurance has a simple plan and covers up to 90% of your pet's medical bills. This plan has no per-incident, lifetime, or annual payout caps. But there are some limitations to the plan, including the lack of coverage for preexisting conditions. Here are some of the things you should keep in mind when choosing this pet insurance plan.
Exclusions from coverage
Healthy Paws pet insurance does not cover many common expenses for pets and cats. Some medical conditions may not qualify for coverage, such as behavioral modification, therapy, boarding and certain skin rashes. Pre-existing conditions will not be covered. For complete details, consult your policy documents.
Healthy Paws insurance doesn't cover elective procedures, pre-existing conditions or anal gland expression. It does, however, cover dental care and extractions as well as reconstructive surgery.
Limitations of coverage
Healthy Paws has a range coverage options for pet insurance. But, the policy does have some limitations. The insurer may not pay for your pet's hip exam if they have a pre-existing condition. In these instances, you might be better off purchasing a second wellness plan from another provider.
Healthy Paws is not able to pay routine vet care costs or preventative care. Therefore, you will be responsible for out-of pocket expenses for regular dental care, annual checkups, spay and neuter procedures, and other routine veterinary care costs. There is a 12-month wait period before your insurer will pay benefits for hip dysplasia and other related issues.
Coverage cost
The cost of Healthy Paws pet coverage differs depending on the plan chosen. The company covers hip dysplasia, diabetes, and wellness. Pre-existing conditions might not be covered by the plan. However, you have the option to adjust your deductible or adjust your monthly payments.
Healthy Paws pet insurance for cats is cheaper than traditional cat insurance. The monthly cost of coverage for a young cat is as low at $15 per calendar month. Coverage for older cats can cost up to $90 per month. While the company offers coverage for pets as young as 14 years, reimbursement percentages are limited. Pets over the age of 14 years may be eligible for 60% reimbursement.
Review of healthy paws pet coverage
If you are looking for pet insurance, make sure it covers all the costs associated with your pet's healthcare, including diagnostic tests. Healthy Paws, an insurance company with a strong reputation for providing excellent customer service, is highly recommended. The Better Business Bureau also has an accreditation for the company. Customers praised Healthy Paws' coverage, premiums and claims process in a recent review.
Healthy Paws' claims process takes just minutes and there are no waiting times. Customers can get an online quote in minutes and select the deductible and reimbursement level they'd like. Then, they can purchase a policy right from the website.