Healthy Paws ranks among the top pet insurance providers in the United States. Customers are happy with the plans and enjoy many positive reviews. Healthy Paws’ coverage is not what sets it apart from its competitors. The site says that Healthy Paws’ efforts are to assist homeless animals, and adds, “For us Healthy Paws doesn’t feel like a business.”
These statements are appealing to pet owners who want more personalized service. If the owners and employees are pet lovers, shouldn’t this translate into a company that goes the extra mile for us when needed? How does Healthy Paws measure up?
Healthy Paws offers a variety of pet insurance plans
Healthy Paws provides unlimited reimbursements annually or for the lifetime of an insured animal with a valid claim. Healthy Paws pays your vet bill, no matter if it is $100 or $10,000. Healthy Paws will reimburse you afterward, even if you use any veterinarian. You pay the vet and submit your invoices and claim form. Healthy Paws then reimburses your account based on policy. It currently offers coverage for dogs and cats, but does not cover exotic animals.
Healthy Paws provides comprehensive coverage for pet health, which includes things like:
- Accidents and illnesses
- Cancer treatment
- Chronic Conditions (excluding Preexisting Conditions)
- Hospitals specialized in emergency and major surgery (including emergency surgery
You can also choose from less-common coverages such as:
- Conditions congenital and hereditary (excluding conditions pre-existing)
- Chronic Conditions (excluding Preexisting Conditions)
- Chiropractic care and acupuncture are examples of alternative care.
- Pets with hip dysplasia who qualify
The quotes are based on factors such as breed, size and age of the pet. Pet parents can also customize coverage in two different areas:
- Deductions for annual deductibles ($250 or $550)
- The pet insurer will cover 70%, 80% or 90% coinsurance.
Healthy Paws and the homeless pet: What you should know
Healthy Paws’ nonprofit division continues to work outside of its own business. Every time a customer asks for a quote on pet insurance, it contributes towards the medical costs of a homeless animal. The company also gives $25 for each successful referral of a customer under the program “Every Quote Gives Hope.” The Pet Memorial Project also donates money for the insured animals who die.
Other Coverage Options
Health Paws is not a pet insurance plan that covers routine care for pets, such as vaccinations, dental cleanings and exams. According to the company, wellness plans can increase monthly premiums while adding little value. Owners can plan for expected expenses, such as annual or dental exams. Healthy Paws offers a plan that covers all costs related to pet illnesses and accidents.
Reviewing Healthy Paws: Our Methodology
We consider factors that will impact the overall quality of your experience when evaluating pet insurers. The top insurance companies prioritize the customer experience. They use simple and straightforward language. And they offer a quick claims process.
The philanthropic emphasis on annual shelters, which is an added bonus to Healthy Paws’s service, meets these requirements. You can find answers to any questions with our rating method.
Compare Healthy Paws and Lemonade Pet Insurance Lemonade Pet Insurance
Healthy Paws pet insurance and lemonade pet insurer both donate a percentage of their revenue to charitable organizations. The apps of both companies allow customers to submit insurance claims. Healthy Paws’ claims process is more traditional. Lemonade may be more appealing to Gen Z or millennial owners of pets, as it allows them to submit a claim by filming a video.
Lemonade pet insurance offers coverage for all expenses, including dental work and sterilization. Lemonade is a good choice for pet parents looking to get the best price, since accident rates are as low as 10 dollars per month. Pet parents who have high-risk or accident-prone furbabies may choose Healthy Paws, as it does not restrict payouts to an annual amount or for the lifetime of a claim. Healthy Paws’ website will automatically compare it with other insurance companies, even if Healthy Paws does not suit you. For every quote, an additional donation will be made to help homeless animals.
Compare Healthy Paws vs. Figo Pet Insurance
Pet insurance, like Healthy Paws offers a plan of unlimited reimbursement with no limit to payout. Pet insurance policies are available with limits of up to $10,000 and $5,000 per year.
Owners looking for a more customized pet insurance plan may choose FIGO. This company offers up to 100% reimbursement on eligible claims compared with Healthy Paws maximum of 90 percent.
Compare Healthy Paws and Pumpkin Pet Insurance
Pumpkin Pet Insurance has annual deductibles starting at $100. Like Healthy Paws, it also offers $250 and $500 annual deductibles. Pumpkin also reimburses all eligible claims with a flat rate of 90%. However, the annual payout limit is set at $7,000 per cat and $10,000 for dogs.
Healthy Paws doesn’t offer this option. Pumpkin owners who own pets can purchase it. Healthy Paws claims that pet owners can plan for an annual service and the overall cost may be lower without reimbursement. Pumpkin offers a variety of dental options. Our Pumpkin quote, for a large mix-breed, with unlimited coverage and a $500 annual deductable, came out at $126.48 a month. Healthy Paws is more affordable for average pet parents.