Healthy Paws
It can take a hefty amount of expenses when your dog or cat gets sick. Or worse, gets injured or meets an accident. As much as you are fond of them, you should take precautions when taking care of your pet. A practical option in this aspect is to get pet insurance. There is a wide selection of pet insurance providers. If you’re planning on purchasing one, you should be particular about its features and details, most especially the price. In this case, you ought to do sufficient research. This Healthy Paws pet insurance review will inform you about the perks, the pros and cons, along with other pertinent information about this company. You need to protect your pet, whether a dog or cat. That’s why it requires a lot if you are a pet parent. But in your effort of doing so, you can obtain a great deal of help from pet insurance. That’s what Healthy Paws is for as it sells low-cost pet insurance with no lifetime coverage limits.
Healthy Paws Pet Insurance Pros and Cons
Pros:
- Does not impose limits on your pet’s lifetime coverage
- It’s claiming process is fast and easy
- Its website provides a pet insurance comparison tool
Cons:
- Customizations for its policy is limited
- A wellness plan is not available
- Discounts are not offered and payment options are not flexible
- Coverage and benefits for older pets are limited
What Is Healthy Paws Pet Insurance?
What makes Healthy Paws popular among pet parents and pet health care providers is that they offer low-cost pet insurance. This company makes sure that people who love their pets can afford to take care of their furry friends.
A salient feature of their policy is that they offer unlimited lifetime coverage. You can also choose from a variety of deductibles and reimbursements. Forwarding and submitting your claims is easy, too- in as fast as 48 hours.
Back To Top ↑Overview and Features Of The Company
It was on that one particular day in a local no-kill animal shelter when a former corporate executive met an insurance professional by chance, and it is from this random meeting that Healthy Paws was conceived. The year was 2009.
The concept that was created by these two astute business people was astounding. It does not only make pet care affordable, but helps pet rescues and animal shelters as well. For every policy sold, Healthy Paws donates money to these agencies.
You won’t come across a complicated menu of annual coverage limits when you do business with this insurance provider. It has been replaced by the same with an unlimited lifetime coverage for each policy sold.
For the whole lifetime of your pet, you can therefore give them the best care but without worries about topping out your benefits.
Chubb, an A++ rated company for financial stability underwrites the insurance policies of Healthy Paws.
Back To Top ↑What Are Available Policies For Accidents and Illnesses?
The accident and illness insurance that you can obtain from Healthy Paws is uncomplicated. Nevertheless, you have limited options to customize it. Whatever policy you purchase, it is not featured with lifetime coverage limits. Is your pet younger? If so, your coverage options are as follows:
- $100, $250, or $500 for deductibles
- 70%, 80% and 90% for reimbursements
Unlike some pet insurance companies, Healthy Paws covers pets aged 6 and older with a full accident and illness policy that comes with unlimited lifetime coverage. There is a risk, though, and that is you not being able to select your deductible and reimbursement percentage. You may even be compelled to settle for a deductible that maxes at $1,000 while your reimbursement rate is as little as 50%.
The waiting period for making any claims for illness and accidents is 15 days after your enrollment date. If your pet is below 6 years of age and suffers from hip dysplasia, you have to deal with a 12-month waiting period. Your claim will be denied if it is filed before the effectivity date, or during your time of waiting.
Back To Top ↑Low Premiums- What’s The Take?
Among the plethora of pet insurance providers, you’ll find that Healthy Paws charges one of the lowest premiums. The take of this is that you’ll get basic coverage and there are certain deficits in it, such as exclusions of exams, dental services, optional wellness plans and special coverage riders.
A one-time charge of $25 for the administration fee is required to start your policy. You will not be able to avail of healthy or multiple pet discounts or friend referrals, but Healthy Paws donates $25 to homeless pets for every policy that you buy.
Conclusion
As you can see, there are advantages and drawbacks to the product offered by Healthy Paws. You can mull these factors over to determine if it is the right pet insurance for you.
Back To Top ↑* This content is not provided by the financial institution or the offer’s provider. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and does not constitute a financial or expert advice.