If you own a pet, you must find the right insurance for your dog or cat. Healthy Paws insurance is flexible and offers a great reputation for paying claims. However, you have to find out if it is worth your money. We’ve written Healthy Paws Insurance reviews that will help you decide whether or not it is the right choice for your pet. Listed below are some of the pros and cons of this insurance plan.
Pet insurance
In this Healthy Paws insurance review, you’ll learn about some of the benefits of this plan, including fixed, unlimited claim benefits. These policies are underwritten by the Ace Property and Casualty Insurance Company, which has an “A++” rating from AM Best, the highest possible rating. Unlike other pet insurance companies, Healthy Paws is financially sound and can meet its obligations. The company’s website provides a convenient online quote tool to help you find the best policy for your pet.
There are several disadvantages to Healthy Paws’ pet insurance plan, including its limited customization options and severe restrictions. For instance, there’s a 12-month waiting period for coverage of hip dysplasia, an inherited condition affecting many breeds of dogs. Additionally, enrolling your pet after the age of six years means they won’t be covered for the condition. Another major limitation is that Healthy Paws requires your pet to undergo a full vet examination within 30 days of the policy’s effective date.
Despite these limitations, Healthy Paws offers a simple, straightforward plan that covers 90% of medical costs for your pet. You can even upload your invoices to get a full picture of your expenses. The best thing about Healthy Paws is that the coverage isn’t limited to accidents or illnesses but rather includes a range of alternative services. Moreover, it includes surgery, diagnostic tests, and hereditary conditions coverage.
Another notable flaw of Healthy Paws’ plan is that it doesn’t offer a wellness plan. Pre-existing conditions, dental care, and vaccinations are not covered under the plan. This plan won’t cover pre-existing conditions, including hip dysplasia and arthritis. The policy does not cover dental care, so teeth cleaning and professional teeth extraction aren’t covered either. Moreover, Healthy Paws won’t cover dental procedures.
Veterinarian exam required
If you have recently purchased a Healthy Paws insurance plan for your pet, you need to schedule an exam with a licensed veterinarian. This exam must occur 12 months before the policy’s effective date or fifteen days after the policy starts. Depending on the age of your pet, the exam may take longer. If your pet is already in good health, you may be able to get coverage without the exam. In the meantime, you can take advantage of the Healthy Paws online portal, which allows you to schedule your appointment online.
The process of enrolling your pet into Healthy Paws insurance is straightforward. Simply complete the online application and submit it. Healthy Paws will process your claim. It may take a few days, so do not delay your enrollment. The Healthy Paws website has a section specifically for customers. If you have questions, contact their customer service representatives at 1-877-HEALTHY-PAWS. They are happy to help!
Your pet must undergo a veterinarian exam before you can use your policy. The exam must be performed within the past 365 days. If your dog has a pre-existing condition, it will be noted in the policy. The policy also requires your pet to undergo a checkup within 30 days of the policy start date. If you cancel the policy, you must schedule a checkup with the veterinarian within 15 days of its expiration date.
When a pet is sick, Healthy Paws pays the costs. Your pet may be unable to afford the veterinary bill, but the policy can help cover the costs. The healthy Paws foundation assists homeless pets through the purchase of pet insurance. Healthy Paws helps provide a permanent home for these pets by providing funds for medical care. They have donated over $830,000 to nonprofit organizations that help homeless pets.
Waiting period for accidents and illnesses
Unlike some other pet insurance providers, Healthy Paws requires a waiting period before it will pay for an accident or illness. This is typically 14 days but may vary by state. Some policies also have a six-month waiting period for certain conditions. Check the policy terms to see whether you’re subject to this rule. You may also find a risk-free cancellation period. However, if you’re unsatisfied with the policy, you can cancel it without hassle.
Some pet insurance providers have much shorter waiting periods. Some require a 14-day waiting period for accidents, while others have long waiting periods for illnesses and conditions. Most pet insurance policies have a 48-hour waiting period for illnesses and accidents. While this may seem like a long time, the wait can be worthwhile if your pet becomes ill during this period. If your pet becomes ill during this period, you won’t be able to get any reimbursement for the expenses until the waiting period has expired.
The waiting period with Healthy Paws Insurance is 15 days. If you purchased your policy before 11:59 pm EST on December 31, the coverage will be effective on January 2. If you purchase your policy after waiting, your pet’s insurance coverage will begin immediately. If your pet is diagnosed with a pre-existing condition, your pet may not be covered. You can also submit a photo of your vet bill if you are unsure whether your pet is eligible for the plan.
Among the many pet insurance companies, Healthy Paws Insurance has an excellent reputation for providing great service at an affordable price. Its outstanding customer service and affordable coverage have helped the company get top marks from financial analysts and customers. While the waiting period for accidents and illnesses with Healthy Paws Insurance may be a little longer than with Nationwide, this pet insurance provider can’t be beaten for quality service.
Cost
If you have a dog or cat, you might wonder about Healthy Paws insurance’s cost. This policy does not require annual limits and has a 15-day waiting period for any illness or accident. It works with any licensed veterinarian in the United States and Canada. Healthy Paws also offers a 30-day money-back guarantee. However, there are several things you should consider before signing up for Healthy Paws insurance. The policy does not include coverage for hip dysplasia and does not mention the age of your pet.
The cost of Healthy Paws insurance will vary by coverage and deductible level. Monthly premiums typically range from $40 to $80 for dogs and $15 to $35 for cats. The cost of the policy will vary depending on the age, health condition, and area of residence of the dog or cat. Healthy Paws also charges an enrollment fee of $25. However, this fee is refundable once your pet is no longer a member. This fee covers administrative costs such as setting up the account and monthly billing.
The cost of Healthy Paws insurance is fairly inexpensive. Most other pet insurance companies offer discounts for multiple pets ranging from 5% to 15%. Healthy Paws does not offer a discount for multiple pets. However, the company offers a money-back guarantee if you are unsatisfied with the service. And since it is a nonprofit, Healthy Paws helps animals in need. You can find out if Healthy Paws insurance is right for you by requesting a quote. You can get the information you need to decide your pet’s insurance needs.
The plan is easy to use. Healthy Paws offers a mobile app for easy administration. The plan requires a 15-day waiting period for illnesses and accidents. Hip dysplasia is covered if your pet is under six years old. However, if the other ligament in the leg is injured, your pet will not be covered. The plan also has a waiting period for hip dysplasia, one of the dogs’ most common diseases.
Alternatives
If you’re a pet owner and looking for affordable insurance for your pup, Healthy Paws is one option. While this insurance does have some nice features, such as a customizable annual deductible, it has some limitations. For instance, it doesn’t cover vet exam fees. It also requires a waiting period of 15 days (for certain conditions), which can be frustrating if you’re desperate for coverage. Furthermore, it doesn’t cover emergency services like x-rays or other treatments.
Although Healthy Paws is an excellent option for pet owners looking for affordable pet insurance, there are many alternatives to this plan available. The most obvious alternative is a wellness plan from another provider. This plan has various complementary features that make it a good choice for younger animals. It also covers a variety of alternative therapies and treatments. In addition, it places age limits on coverage, which can be frustrating when you have an older pet.
Another option is Petco’s Vital Care plan, which offers unlimited routine exams and vaccinations for a low monthly fee. Other benefits include free pet food bags, grooming services, and collecting reward points. You can also find coupons online that can help you save even more money on your pet’s medical care. Healthy Paws’ website is updated frequently with news and information about new offers, so it’s worth checking out if you’re unsure whether this plan is right for you.
Another good option is Trupanion. Both companies offer similar services to Healthy Paws, but they differ in one important area. Healthy Paws doesn’t cover dental illnesses, while Trupanion does. In addition, both programs offer unlimited benefits. If you don’t need unlimited coverage, you can opt for a lower annual limit. This will save you money on monthly premiums. If you’re unsure about Healthy Paws, consider Trupanion’s free quote comparison tool.