Compare Healthy Paws Pet Insurance

Comparison Fact Sheet

To get the most from these sheets, please read the Guide to Pet Insurance first.

Company Info

Company Name
Healthy Paws

Also Known As

Address
P.O. Box 50034

Bellevue, WA 98015

Phone
855-898-8991

Website
www.healthypawspetinsurance.com

Plans That Provide Both Accident and Illness Coverage
Healthy Paws Accident and Illness

States Covered
All 50 states, including DC

Underwriter and AM Best Financial Strength Rating
Insurance underwritten by ACE American Insurance Company and The Chubb Group.

ACE American Insurance Company has an AM Best Financial Strength Rating
of “A++” and an Outlook of “Stable” as of 1/1/19.

The Chubb Group has an AM Best Financial Strength Rating of “A++”
and an Outlook of “Stable” as of 1/1/19.

For the most recent ratings go to: AM
Best and enter the name of the underwriter in the box labeled ‘Text’.

Year Company Started
2010

Policy Basics

Policy Term
Month to Month

Effective Date
The Effective Date will be listed on the Declarations
Page of your policy after you apply and are accepted.

Enrollment Age
Pet must be 8 weeks and under 14 years of age

Cancellation Policy
Ask for a current copy of their insurance policy
so that you may review their cancellation policy

Waiting Period
There is a waiting period of 15 days after your policy
effective date for accidents and illnesses.

There is a 12 month waiting period for hip dysplasia.

Hip dysplasia coverage is only available to pets who are enrolled before 6 years of age. (See “Hip Dysplasia”)

Waiting Period for Cruciate Injury
15 days for cruciate injuries

Coverage When Travel Out of State or
Country?
Out of State Coverage – You WILL be covered
while traveling in other states with your pet.

Out of Country Coverage – ?

Can the Price of the Policy Increase as my Pet Ages?
The policy states that the monthly premium
can increase to reflect changes in the cost of veterinary medicine.
It does not mention age. Call Healthy Paws to confirm that age is
not a factor in determining premium increases.

Also contact the company for more information on when and how your premium may increase.

Does Coverage Stop Due to Age?
No

What Happens when the Policy Renews?
Chronic conditions will continue to be covered
as long as you do not go over your Maximum Payout. (Please Note:
Healthy Paws has an unlimited payout structure.)

Can the Price of the Policy Increase
if a Claim is Filed?
No

Choice of Vet?
You can choose any licensed veterinarian in
the US. The policy for out of country coverage is unclear.

Money Back Guarantee?
If you change your mind within 30 days they
will refund your money in full as long as you have not filed a claim.

Surcharge for Visiting a Specialist or Emergency
Clinic?
No

Referral needed to Visit a Specialist?
No

Pre-certification Required?
No

Additional Requirements
**See actual policy or call Healthy Paws for a
complete list of the requirements you are expected to adhere to in
order to maintain coverage.

Pet Insurance Policy Available for Pre-Purchase
Review?
Sample
policy available online

What’s Covered

Species Covered
Dogs and Cats

Accident/Injury –
Baseline Coverage

Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.

Does not cover veterinary exam fee.

Illness –
Baseline Coverage

Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.

Does not cover veterinary exam fee.

Behavioral Therapy Coverage
[NO]

Alternative Therapy Coverage
[YES]

Treatments must be recommended and conducted under the supervision of a licensed veterinarian.

**See actual policy or call Healthy Paws for a complete description of alternative therapy coverage.

Pre-existing Conditions Policy
Pre-existing conditions are not covered.

According to the sample policy on their website, a pre-existing condition means:

“(1) illness or the recurrence of any illness or condition which first occurred or displayed any signs and/or
symptoms consistent with the stated illness or condition prior to the pet policy effective date; or
(2) an injury or
recurrence of an injury that occurred prior to the pet policy effective date; or
(3) any condition or complication
resulting from an illness or injury that occurred prior to the pet policy effective date.”

**See actual policy or call Healthy Paws for complete description of pre-existing
conditions.

Hereditary & Congenital Conditions Coverage
Hereditary and congenital conditions are covered
as long as your pet is not showing signs and the disease has not
been diagnosed or suspected prior to enrollment or during the waiting
period.

Hip dysplasia coverage is only available to pets who are enrolled before 6 years of age.
This coverage is subject to a 12 month waiting period.

A hip exam is no longer required. If you sign up for Healthy Paws, check your declarations page to make sure this is stated.

**See actual policy or call Healthy Paws for complete description of
their Hereditary & Congenital Conditions Policy.

Continual Coverage for Chronic Conditions

[INCLUDED] Continual coverage for chronic conditions
is included in policy.

Chronic conditions are covered up to the maximum payout. (Please Note:
Healthy Paws has an unlimited payout structure.)

Chronic Conditions Policy
Chronic conditions are covered up to the maximum
payout. (Please Note:
Healthy Paws has an unlimited payout structure.)

They do not cover chronic conditions that are pre-existing or that
occur during the waiting period.

**See actual policy or call Healthy Paws for complete description of
their Chronic Conditions Policy.

Cancer Coverage
[INCLUDED] Cancer conditions are covered if
they are not pre-existing and have not occurred during the waiting
period.

(See ‘Chronic Conditions Policy’ section above)

Cancer Coverage Limits
Cancer conditions are covered as long as you
do not go over your maximum payout. (Please Note:
Healthy Paws has an unlimited payout structure.)

Hip Dysplasia
[INCLUDED FOR THOSE MEETING CERTAIN CRITERIA]
Hip dysplasia coverage is only available to pets who are enrolled
before 6 years of age. This coverage is subject to a 12 month waiting
period.

A hip exam is no longer required. If you sign up for Healthy Paws, check your declarations page to make sure this is stated.

Your pet must not be showing signs and the disease must not have been
diagnosed or suspected prior to enrollment or during the waiting period.

(See ‘Hereditary & Congenital Conditions Coverage’ section above)

Prescription Drug Coverage
[INCLUDED]

**See actual policy or call Healthy Paws for full list of inclusions
and exclusions

Pregnancy Coverage
[NO]

Routine/Wellness Coverage
[NO] – Routine Care is not covered or offered
as an addon

Vaccinations
[NO] – Routine Care is not covered or offered
as an addon

Spay/Neuter
[NO] – Routine Care is not covered or offered
as an addon

Dental Care (Routine)
[NO] – Routine Care is not covered or offered
as an addon

Dental Care (Illness/Accident)
[LIMITED COVERAGE] If injury to teeth is caused
by an accident, they cover the cost of extractions of damaged teeth
and of reconstruction of upper and lower canine teeth.

**See actual policy or call Healthy Paws for full list of inclusions
and exclusions.

Bilateral Conditions Policy
If your pet has been diagnosed with a cruciate ligament problem in one leg knee that
is pre-existing or that occurs during the waiting period, a cruciate problem in the other leg will not be
covered, even if it happens after the waiting period.

For Healthy Paws, cruciate ligament problems are the only bilateral exclusion on their policy.

**See actual policy or call Healthy Paws for a list of medical
conditions that are considered bilateral and for a complete description
of their Bilateral Conditions Policy.

Coverage – Overview

(please
read policy for full coverage details)

Diagnostics and treatments due to illness and accidents

[Included] Hereditary & Congenital Disorders, Continual Chronic
Conditions Coverage, Cancer Coverage, Prescription Medications, Dental
Illness/Accident (limited), Hip Dysplasia (available to those meeting certain criteria)
(Refer to each category’s section for limitations)

**See actual policy or call Healthy Paws for full
list of inclusions, exclusions, limitations and conditions.

What’s not Covered – Overview

(partial listing, please read policy
for full details)

Pre-existing conditions
Conditions that occur during the waiting period
Veterinary exam fees
Elective Procedures
Routine Care
Behavioral Therapy
Pregnancy
If there is a cruciate ligament problem that is pre-existing, the other leg will not be covered for cruciate injuries.

…See policy for a complete listing

How The Policy Works

Co-pay
10%, 20% or 30%

Deductible
Deductible is annual. Choose $100, $250, or $500

Flat Deductible vs % Deductible
Flat

Deductible Per Incident vs Annual Deductible
Annual

How is Reimbursement Determined
Based on actual veterinary bill. Reimbursement
will be no greater than the amount charged to any other client of
the treating veterinary clinic (for the same procedures).

Max Payout Annually
Healthy Paws does not have a maximum annual payout

Max Lifetime Payout
Healthy Paws has an unlimited lifetime maximum payout

Max Payout per Incident
Healthy Paws does not have a maximum payout per
incident

Max Payout Based on Body System
Healthy Paws does not have a maximum payout based
on body system

Client Reimbursed or Vet Paid Directly
You pay the veterinarian and then you are reimbursed
after you file the claim.

Pricing

Approximate Monthly Costs
Approximately $13.00 – $90.00 depending on
your location, breed of pet, add on, etc

Additional Info

My Review
Healthy Paws Review

What are Customers Saying?
PetInsuranceReview.com;
Yelp.com (1);
Yelp.com (2) and
Yelp.com (3)

Better Business Bureau
bbb.org

Additional Info

**Disclaimer:

These
charts are created based on my research. While I do my best to stay current,
information can change quickly. Also, terms and conditions can vary from
state to state. Before buying a pet insurance plan, confirm all information
by calling the company or reading the most current policy. We will not be
held liable for errors or omissions. If you see something that is incorrect
or needs clarifying, please let me know.

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