It’s pretty incredible when you find a pet insurance company that not only wants to help pet owners pay for veterinary care, but that also started a non-profit specifically for homeless animals need of homes and care too. That’s exactly what you get with Healthy Paws Insurance and Foundation; they are dedicated to providing care to all animals, regardless of having a home or not. It all started when cofounders Steve Siadek and Rob Jackson met at a local shelter and used their entrepreneurial know-how to build a company that provides financial support to current pet owners, as well as much needed care to animals currently in shelters. They developed the Every Quote Gives Hope™ grant program that donates funding to animals needing basic care, and all you have to do is get a free quote! Just a few minutes to help a dog or cat in need at no cost to you, who doesn’t want a company like that? They are consistently ranked among the top companies for customer service and they keep prices low for all budget sizes. They can boast high customer satisfaction ratings, and they were also the first pet insurance company to do away with paper forms and offer a fully accessible app to submit and track claims, change policy details, and sign up additional animals all in a one-stop shop.
Once you get a policy with Healthy Paws, you’ll quickly see why they are continually ranked as one of the best pet insurance companies. They offer coverage for a wide array of ailments and treatments, and they typically get claims paid back within a one week turn-around. Their coverage includes illness, accidents, hospitalizations, hereditary conditions, chronic conditions, cancer, diagnostics, x-rays, ultrasounds, emergency care, and alternative treatments.
As with any pet insurance company, there are a few things that Healthy Paws doesn’t cover, namely:
Healthy Paws offers a great variety of plan options and reimbursement rates to help customers keep costs to affordable limits. The range of deductibles can be chosen from $100 - $500. Their reimbursement rates vary from of 70% - 90% depending on what pet owners opt for. They also don’t limit coverage limits per year, meaning that if your pet is unfortunate enough to get cancer there won’t an issue with the policy limits being exceeded; deductibles are on a yearly, rather than per incident, basis. This means that if you need to take your pet to the vet multiple times in the same policy period, then there is only one deductible to pay.
Note: Options for reimbursement and deductibles during enrollment may change beginning at the age of 6.
| Policy Coverages | |
|---|---|
| Deductible Type | Per Year |
| Deductible Options | $100 - $500 |
| Reimbursement Options | 70% - 90% |
| Policy Limit Options | Unlimited |
| Lifetime limits | Unlimited |
| Wellness Cover Cost | Not offered |
| Accidents & Illnesses |  |
| Vet Exam Fees |  |
| Rx Medications | |
| Emergency Visits | |
| Hospitalization | |
| Surgery | |
| Cancer Treatments | |
| Specialists | |
| Outpatient Care | |
| Alternative Therapies | |
| Waiting Periods | |
| Policy Coverage Starts | At midnight after sign up |
| Accidents | 15 days after policy starts |
| Illnesses | 15 days after policy starts |
As mentioned, Healthy Paws has great choices of options for coverage, and here are 3 examples of how much you’ll get back for a covered condition:
Your dog ingests the plastic insides of a squeak toy and after bringing him to the vet, the cost of treatment comes to $1,340. With a $100 deductible and an 80% reimbursement rate, you will get back approximately $972.
Your aging pup develops skin allergies that lead to a bad rash and fur falling out. The vet prescribes oral meds to stop the rash growth, cream to keep the rash from itching, and a cone so your pup can’t lick off all the cream. After all is said and done, the bill comes to $3,110. With a $200 deductible and 90% reimbursement rate, you will get back just over $2,599.
Your cat wounds her paw after coming back from wandering the neighborhood. You take her to the vet and it is determined she needs minor surgery and pain medication afterward. The bill comes to $5,200, and after a $200 deductible and 70% reimbursement, you will get back $3,440.
Well as you may imagine, the cost of pet insurance depends on a few key variables: the breed of your pet, their age, and where you live. After that, it’s down to you how much coverage you want, how big (or small) a deductible you want to pay and how much of a reimbursement (the amount you get back after the deductible is paid) you select.
To see all of Healthy Paws’ plan options, click here to compare pet insurance plans, but here are a couple of examples:
| Breed: American Shorthair Cat |
| Age: 5 years |
| Zip code: 97002 |
| Unlimited coverage |
| $100 Deductible |
| 80% Reimbursement |
| Plan Cost 37.74 Per Month |
| Breed: German Shephard |
| Age: 2 years |
| Zip code: 90003 |
| Unlimited coverage |
| $500 Deductible |
| 90% Reimbursement |
| Plan Cost $41.80 per month |
When it comes to being a great company, Healthy Paws has covered all the bases: awesome customer service, affordable prices, quick turn-around, and charitable actions to benefit those in need. We know you won’t be disappointed if you sign up with a Healthy Paws policy, and help some homeless animals in the process. Just be aware of that reducing coverage as your pet gets older.
