Monday, September 26, 2022

Is Healthy Paws A Good Pet Insurance

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How To Get A Healthy Paws Policy

Healthy Paws Pet Insurance

Getting a Healthy Paws policy is easy. Just visit the companys website and input your pets name, breed, age, and location. After entering this information, youll be offered a policy quote.

You can then customize your plans reimbursement rate and deductible amount to get the coverage amount and premium you desire.

Next, youll need to provide some additional contact information and confirm the date of your pets last vet exam. You can then enter your payment information and initiate your policys waiting period.

Note that when you initially sign up, you may have to pay a one-time sign-up fee of $25. This fee is not charged in every state.

We Don’t Raise Rates Just Because Your Pet Has A Birthday

Trupanion is unique because we are one of the only pet medical insurance company to always use your pets age at enrollment to determine your policys price.

In most states Healthy Paws, like all other pet health insurance companies besides Trupanion, use what is called birthday pricing.

Birthday pricing means that an insurer is likely to automatically raise your rates when a pet has a birthday, on top of any rate changes for inflation or other factors.

If your pet has a Trupanion policy, in our eyes they will always be the age they were when they enrolled.

For example, if your dog enrolls when theyre 8 weeks old, well price them as an 8-week old for their entire life. Theyll be a puppy foreverboth in your heart and your monthly cost.

When it comes to pricing, Trupanion is different. We know medical insurance is for the life of your pet, so we share the risk with all responsible, loving pet owners like you that enroll their pets at the same age, regardless if they enrolled last month or last decade.

Now, we arent saying that your rates will never change if you enroll with Trupanion. Like Healthy Paws or other companies, we too must increase or decrease rates due to changes in the cost of veterinary care.

During your time as a Trupanion member, your monthly payment will go up or down based upon the underlying costs of all pets within your sub-categories. Thats how we share the risk fairly among all Trupanion members.

Competition: Healthy Paws Vs Petplan

We compared Healthy Paws to Petplan which also offers basic accident and illness insurance, customizable policies, and no available wellness plan. Side-by-side, Petplan appears to offer the same coverage as Healthy Paws for a bit more per month. When you dig deeper, however, youll see that you get a lot more for your money with Petplan.

Not only does Petplan cover non-wellness exams and office visits, which are excluded in Healthy Paws policies, Petplan also covers boarding when you’re hospitalized and virtual visits.

Overall, if youre looking for basic accident and illness coverage, we think its worth paying a little extra for what Petplan offers.

Any licensed vet in the U.S.Any licensed vet in the U.S.and Canada

On the whole, we werent all that impressed with Healthy Paws compared to many other providers that offered basic accident and illness insurance.;Although the companys premiums are impressive for a plan with no annual limits, its lack of optional coverage options makes it lag behind its competitors, based on our;methodology. At the very least, we would like to have had the option to add coverage for exam fees and vet visits. A few other coverage riders for boarding, trip cancelation, cremation and burial, and wellness coverage would also benefit pet owners.

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What Is The Waiting Period For Healthy Paws Pet Insurance

There is a 15-day waiting period for most injuries and illnesses for Healthy Paws coverage. When you file your first claim, you will also need to share information about your pet’s medical history.

There is a 12-month waiting period for hip dysplasia before Healthy Paws will cover any treatments for the condition. If your pet is over six years old, Healthy Paws doesnt cover hip dysplasia treatments at all.

Is Healthy Paws The Best Pet Insurance Healthy Paws Pet Insurance: Appstore for Android

If you prefer simple pet insurance plans where all you need to do is submit your bill and get reimbursed, then Healthy Pet may be the right insurance provider for you.

The most common thing clients praise in their Healthy Paws Pet Insurance reviews is the companys straightforward and no questions asked claims processing.

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Is Healthy Paws A Good Pet Insurance Provider

Overall, the Healthy Paws pet insurance plan is comparable to those of other pet insurers. The company offers accident and illness coverage, including coverage for many hereditary conditions, congenital conditions, and chronic health problems. Healthy Paws even offer coverage for alternative care, such as acupuncture and hydrotherapy.

Most third-party reviews for Healthy Paws are positive. The company is accredited with the Better Business Bureau and has an A rating.

Customer reviews for Healthy Paws are also mostly positive. According to Trustpilot, Healthy Paws has a 4.4/5 rating based on over 1,000 customer reviews and is rated as Excellent. Healthy Paws also has an overall rating of 4.9/5 on

Still, some recent customer reviews on Trustpilot voice complaints of a significant rate increase throughout 2021. Some responses indicate that the customers monthly premiums increased by as much as 70%. Other customers complain that their premiums increased after they submitted a claim.

The company has been in business for over a decade, which means its more experienced than many of the newest pet health insurance companies. Healthy Paws also offers unlimited lifetime coverage, some amount of plan customization, and an easy claims process compared to many other providers.

Finally, Healthy Paws has a foundation thats dedicated to pet welfare.

Where To Find Healthy Paws Alternatives

If youre searching for pet insurance, Healthy Paws may be a viable option for you. Healthy Paws stands out from competitors because of low monthly premiums and no caps on claims payouts.

However, you should compare all your options before making a decision. Our guide to the best pet insurance companies will help you compare insurers to find the coverage you need. You can also check out our reviews of popular providers.

You may also be interested in our comparisons of Healthy Paws vs. Trupanion, Healthy Paws vs. Embrace, Healthy Paws vs. Petplan, or Healthy Paws vs. Spot.

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Who Owns Healthy Paws

Healthy Paws began as Healthy Paws Pet Insurance & Foundation back in 2009, and is co-founded by Steve Siadek and Rob Jackson . They met through a local, no-kill animal shelter. Steve had left a corporate career to pursue his pet passion and become the shelters executive director. Rob, an insurance executive, adopted his dogs from the shelter and kept coming back to foster more.

History Of Healthy Paws Pet Insurance

Pet Insurance for Dogs and Cats | Healthy Paws Pet Insurance

Healthy Paws Pet Insurance & Foundation was co-founded by Steve Siadek and Rob Jackson in 2009. The two co-founders met through a local no-kill animal shelter. At the time, Jackson was an insurance executive and had been adopting pets from the shelter.

The co-founders launched Healthy Paws after recognizing that pet parents needed help dealing with the financial impact of veterinary care. In addition to its pet health insurance business, Healthy Paws operates a non-profit foundation to help homeless pets. It also supports animal rescue organizations that care for sick and injured pets.

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Healthy Paws Cost: How Much Per Month

The cost is set at approximately $15 for cats and $20 for dogs .

These are generalized rates and there are several discounts available for clients to consider. Healthy Pets pet insurance can be reduced when a member of AAA applies for coverage. This discount can be anywhere up to 10% throughout the policys term.

Please note, a customized quote is necessary with Healthy Paws and its best to reach out to a qualified representative before making a decision. This can include insurance rates, reimbursement rates, and more.

I Got Pet Insurance For My New Pup

I got pet insurance for my new pup almost 4 years ago on a friend’s recommendation. I am so very thankful for having found Healthy Paws. My girl had a luxated patella in November and had to have a major orthopedic surgery. She also has arthritis in that knee and her opposite hock. I just found out she has elbow dysplasia in both front legs and had a CT scan last week, so may be looking at more surgery.Through it all, Healthy Paws has been there answering my questions and enabling me to make these treatment decisions without having to balk over the cost. They have excellent and responsive customer service who really care, The claim submission is so quick and painless via the app and the claim processing has been unbelievably quick with direct deposit the following day. I have nothing but good things to say about this company and the people. Thank you all from the bottom of my heart!

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Our Rating For Healthy Paws Pet Insurance

We gave Healthy Paws a score of 93.5 out of 100, awarding points for its overall performance, impressive coverage cap, and reputation.

Healthy Paws stands out for its standard plan that includes unlimited claim payoutsthis is a unique feature as most pet insurance providers have per-incident, annual, or lifetime coverage caps.

We deducted points because the company doesnt offer wellness or routine care options or plan customizability.

We recommend this company to pet parents who dont want to worry about exceeding their annual coverage maximum on expensive vet bills and dont mind paying a bit extra per month for some of the most comprehensive coverage on the market.

Get a free quote online to get started with a pet insurance plan from Healthy Paws.

Competition: Healthy Paws Vs Figo Healthy Paws Pet Insurance: Appstore for Android

Figo is another pet insurer that chooses to offer one core accident and illness policy, although an optional rider can be purchased to cover exam fees. When we compared plans that included unlimited benefits with 90% coverage and a low $100 deductible, we found that Figo was several dollars cheaper per month. In addition to a lower premium, Figo offers shorter waiting periods, more coverage choices, and reimbursement for a few additional services like behavioral treatment and end-of-life expenses. Figo is the clear winner in this scenario.


Healthy Paws makes pet insurance simple with one policy and few details to worry about. Some pet owners may prefer the streamlined purchasing process, while others will be disappointed by a lack of control over the amount and type of coverage. Before getting a quote from Healthy Paws, make sure the coverage offered lines up with your pet’s needs, and dont be afraid to shop around for the best price.

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Healthy Paws Pet Insurance Reviews

Our mission is to provide you and your pet with the best customer service and best pet insurance plan inthe country.

We are grateful to our pet-passionate customers for sharing their love of our pet health planby rating us the best pet insurance at leading consumer and news websites like Canine Journal, Consumers Advocate, Yelp, Pet Insurance Quotes, The Seattle Times, and Angie’s List.

Is Healthy Paws Legit

The Healthy Paws Pet Insurance & Foundation was founded in 2009 by Steve Siadek and Rob Jackson. The insurance carriers for their program are members of the Chubb Group.

Healthy Paws was rated as the #1 pet insurance company by Angies List, Money, Canine Journal, Consumers Advocate, and Pet Insurance Quotes.

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What Conditions & Procedures Are Covered

Healthy Paws offers an extensive list of conditions and/or procedures covered under its terms.

Conditions & procedures covered include:

  • Prescription Medications
  • Diagnostic Treatment

Its important to note each case is subject to review and will depend on whats written in the policy.

Healthy Paws is noted for being excellent when it comes to customer service and its claims process allowing pet owners to feel safe financially.

Is A Vet Exam A Prerequisite For Coverage With Healthy Paws

Saving Homeless Pets | Healthy Paws Pet Insurance & Foundation

Yes, Healthy Paws requires all newly enrolled pets to have a veterinary exam or the policy will be voided. For pets under six, the exam must take place within 12 months before the policys effective date or 15 days after coverage begins. For pets over six, the exam must take place within 30 days before the policys effective date or 15 days after the policy begins.

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Where To Adopt Or Purchase Corgis

There are various online resources available if you want to adopt a Corgi, including Here, you can find a Corgi by location based on where you live. also offers pet adoption resources. There are regional affiliate clubs and rescue organizations that serve different parts of the country, such as the Lakeshore Pembroke Welsh Corgi Club and the North Texas Pembroke Welsh Corgi Fanciers.

While you can sometimes find Corgis at animal shelters, they are often quickly discovered by rescue groups and adopted out in this way. There is also the Pembroke Welsh Corgi Club of America, which was founded in 1936 and can help you find a rescue organization that serves your area. To find a reputable breeder who follows the rules and regulations of the American Kennel Club, check out the AKC Marketplace PuppyFinder.

What Does Healthy Paws Pet Insurance Cover

Healthy Paws covers a wide variety of different conditions including:

  • Illnesses

Healthy Paws does not cover:

  • Exam fees
  • Preventative care
  • Theres no reimbursement for elective procedures, boarding, therapy, behavioral modification, or behavioral training;

There are no caps or maximum limits annually, there are no lifetime caps, and there are no incident caps.;

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Fast Insurance Claims Refining

Most pet insurance providers inquire you to spend your veterinary prices out of pocket and submit documentation to obtain compensated. If your pet cat or even dog gets ill or even pain as well as you must pay countless dollars to acquire all of them the care they need, it could be difficult to wait for your insurer to reimburse you.

Healthy Paws understands exactly how difficult it could be to await reimbursement after sending a claim as well as operates to ensure it pays on claims as rapidly as feasible. The provider claims that it processes 99% of cases in 2 days.

Healthy Paws Pet Insurance

Healthy Paws Pet Insurance Reviews

After years of recommending Healthy Paws Pet Insurance , I now have to say STAY AWAY!

I am not sure what happened but the 1 claim I made for my boy since 2017 was a nightmare. 10 days turned into a month. Sent them all the records from both vets. Asked for status at day 10, got canned response “working on it”. 3 days later, I asked again then again at day 19, no response either time not even a canned response. Asked again at day 21, their response was to tell me they needed more records including ALL his records for the entire time I’ve had him . They’ve had all these records since the 2017 claim. I sent them all his records from 2013 to date which was only going towards deductible. It wasn’t like they were giving me any $.

Took a MONTH before they approved my claim which was about 2 weeks before his policy renewal.

The premium for for both dogs went up by $60/mo. My boy has had 2 claims, 1 in 2017 and the other this year. My girl has had none.

I went online and changed her policy to up the deductible to bring policy price down. They apparently didn’t do it because they took out the higher figure .

I went back online and did an “email us” asking why the premium wasn’t adjusted. 4 days later, the response was “We can’t find a policy under that name. Please provide more information.”


I was on their site under her name!

Horrible experience.

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Geico Pet Insurance Review: Best For Budget

A pet insurance plan is an indispensable requirement for a pet parent. It will keep you stress-free and your pet protected.;

Geico Pet Insurance is one of the best in the business. You will come across many Geico Pet Insurance reviews on the internet and might be wondering if this is a good fit for you.;

If you are curious to know more about Geico and its pet insurance plans, heres a complete Geico Pet Insurance Review.


Healthy Paws User Reviews

Canine Journal and Consumers Advocate have ranked Healthy Paws as the best pet insurance company for 2020. Other review sites, like Consumer Advocate and Trustpilot, generally give high or at least average ratings to Healthy Paws. However, Healthy Paws reviews on Consumer Affairs are an exception, probably due to a relatively low number of reviews.

In addition, Healthy Paws Pet Insurance LLC has an accredited profile with the Better Business Bureau with an A+ rating. Healthy Paws Pet Insurance reviews on the BBB give it an above-average score.

Each Healthy Paws location has a Yelp page, though the one with the most reviews is the page of their Bellevue location.

The Positives

Most of the positive Healthy Paws reviews are from clients that had a costly vet bill reimbursed. The company is true to its word when it comes to coverage and the whole process is quick and hassle-free. There is no need to even call the company and answer questions about the items on the invoice its simply submitted through the app, and then they reimburse the payment depending on your reimbursement level.

The Negatives

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