The simplicity of pet insurance Healthy Paws can appeal to you if you find having too many options to be daunting. The business provides one plan with no annual or lifetime limits that cover sickness and accidents.

You can personalize the amount you pay your veterinarian in advance and the amount the firm will reimburse you for. Otherwise, you will have a relatively complete plan without making too many selections.

Plans Available From Healthy Paws

Is healthy paws a good pet insurance? Treatment for new accidents and diseases, genetic and congenital problems (after a waiting time), and chronic ailments are covered by Healthy Paws' complete coverage. The plan covers surgery, diagnostic testing, and cancer. Pet owners who acquire Healthy Paws insurance will get reimbursement for a portion of the cost of approved hospitalizations, medicines, and emergency and specialist treatment.

One of the most notable aspects of Healthy Paws is its coverage of complementary and alternative treatments for animals, such as acupuncture and chiropractic therapy. The fact that the vet checkup is not included is a drawback.

Before the Healthy Paws coverage takes effect, there is often a waiting period. Your pet must have been enrolled in the plan for at least 15 days before filing a claim for an accident or sickness and at least 12 months before filing a claim for hip dysplasia if it is younger than six. Accidents or diseases do not have waiting periods in New Hampshire or Maryland. No limits are placed on payments, yearly or lifetime maximums, or even per-incident maximums with Healthy Paws Pet Insurance.

Healthy Paws Optional Features

Healthy Paws is unlike other firms and agencies included in our ranking of the Best Pet Insurance Companies of 2023 since it offers no optional features. Despite this, you can modify the reimbursement rate and the deductible to personalize your premium.

You might, for instance, limit the degree of reimbursement if you wish to pay a smaller monthly premium. This will result in higher out-of-pocket costs for veterinary care. You may also lower the cost of your premiums by raising your deductible. However, this will increase out-of-pocket costs if you need to see the veterinarian.

What's Covered

The Healthy Paws pet insurance policy covers accidents and diseases. This comprises diagnostics, genetic problems, emergency care, and alternative therapies such as physical therapy, acupuncture, hydrotherapy, and chiropractic care. Also included in this category is the provision of emergency care.

What Is Not Covered

Healthy Paws coverage does not cover prior illnesses like most other pet insurance providers. In addition, the plan does not cover preventative or wellness care, such as treatment for parasites, spaying or neutering, teeth cleaning, and grooming. A further consideration to consider is that Healthy Paws does not cover visits to the veterinarian.

Coverage Limits

There are no coverage limitations for any of the plans offered by Healthy Paws. No restrictions are placed on the amount of money that may be spent on covered expenditures on an annual, per-condition, or lifetime basis. Nevertheless, there is a yearly deductible in addition to the coinsurance, which functions similarly to a copay in human health insurance programs.

How Much Do Healthy Paws Cost?

The following are some of the considerations that might affect the total healthy paws pet insurance cost policy:

• How old is your pet?
• Whether you have a cat or dog
• Whether you have a cat or dog

For instance, if you have a one-year-old female mixed-breed dog weighing between fifty and ninety pounds, with a reimbursement rate of ninety percent and an annual deductible of fifty dollars, your monthly premium will be $44.37. The same coverage for a male domestic shorthair cat less than one year old would cost $16.54 monthly.

Website

You may receive a fast price and purchase a policy on the Healthy Paws website. As soon as you become a policyholder, you will have access to the online portal to submit and monitor claims, modify your policy, and keep your billing information current.

App

Healthy Paws' mobile app includes identical capabilities to the website, including making claims, checking policy details, and altering payment information. On the other hand, the app's low rating on the App Store and Google Play suggests that it may not function properly for all users.

Claims

You may submit claims by email, the mobile app, or online. According to the firm, most claims are completed within two days; however, some may take up to ten days or more. You have the option of receiving your payment through check or direct deposit. If your vet authorizes it, Healthy Paws may be able to pay them directly.

Consumer Service

You may contact customer assistance Monday through Saturday using the contact form on the website or by dialing the toll-free number 855-898-8991.