With our pet friends and humans, health concerns are almost unpredictable, and no matter how serious, the cost of veterinary medicine can quickly increase.
Because of the cost of care needed to protect our companions, many owners fear that they will not be able to take care of their pet correctly in the event of an incident.
Others are forced to let their animals live with small sores that will quickly heal, but with significant budgets.
To avoid the kind of situation where animals pay systematically, many pet health insurance has been created over the past fifteen years.
To help you find the right one for your pet and budget, we will present you the recipes developed by Healthy Paws pet insurance today!
What is pet insurance?
Pet insurance companies cover part of the cost if your cat or pet gets sick or has an accident.
Therefore, it is equivalent to the health insurance policy that you have given to other family members.
Like any different insurance policy, there is usually a deductible to pay for claims. It increases with age.
The policies are on an annual basis, renewable every year, according to the age and health status of animals.
Under the plans, they can only pay for treatments caused by illness or accident, or even dental care, regular counselling and even preventive actions like vaccines.
Most of the time, the pet owner must first pay the veterinarian’s bill, then fill out the request form and sign it.
If the request is approved, the pet owner will receive a check to reimburse a portion of the costs incurred.
Benefits of pet health insurance
Pet health insurance costs typically range from a few hundred to several thousand dollars a year.
The amount you pay will depend on the lender you register and the type of animal you insure.
Although monthly payments may increase, they are nothing compared to the amount an unexpected veterinary visit may incur due to injury and illness.
It can also help you decide whether you want specific treatment or not.
Unfortunately, many pet owners are forced to depose their beloved pet because they do not have money for the necessary treatment and surgical procedures.
Pet health insurance programs work like personal insurance programs, in which they charge an annual deduction, requiring you to pay a monthly premium.
It is an average of $28 and $45 per month for dogs and cats and requires you to file a claim after they issue some pocket expenses.
And just like with human diets, you have countless questions to ask a pet insurance company when you start shopping for a policy: do you want a plan that covers accidents, illness, or both?
Are there any waiting times after your system effective date? What if your pet is not a dog or a cat? We will try to clarify all in this article.
Healthy Paws, what is it?
Founded in 2009, Healthy Paws is a long-term choice for pet owners because there are no annual or lifetime payment limits, annual deductions and excellent customer service – three factors.
The factor is significant for one of the best pet insurance companies. Healthy Paws Insurance is sponsored by the Chubb team and has achieved an A + rating from the Better Business Office (BBB).
Overview of Healthy Paws
Although some services are not provided, Healthy Paws is proud to be appreciated by customers for their satisfaction.
Besides, they match the formula of what pet parents and owners have been searching for recently.
They offer a simple plan without a payment cap, a free mobile app that allows users to access it anytime, and affordable monthly premiums.
Moreover, Healthy Paws can resolve 95% of complaints and pay them within 3-5 days.
For hip dysplasia, Healthy Paws will not provide this insurance for newly registered pets aged six and over.
So, if you don’t want to lose the pet’s veterinary bill, please log when your pet is six years old or younger.
In summary, Healthy Paws is a pet insurance company with unlimited payment plans and affordable monthly premiums.
Many customers have appreciated this, and they feel delighted. Healthy Paws will be celebrated with your pet.
Many years ago, Rob Jackson and Steve Siadek met, and they quickly became friends.
They are all executives of the company in their fields. Their goal is to make it possible for pet owners to meet veterinary care for their pets.
Therefore, Rob Jackson and Steve Siadek were in business together, and in 2008, they co-founded Healthy Paws.
Aon Corporation is known as one of the largest insurance brokers in the world, and Healthy Paws is quick to partner with them.
Chubb Corporation sponsors healthy Paws pet insurance plans. Chubb is a well-known insurance company rated A, with a surplus of more than VND 25 billion.
Healthy Paws is currently one of the leading pet insurance companies at an affordable price.
Among competitors with Healthy Paws, no company other than them has such a high customer satisfaction rating.
Healthy Paws works on reimbursing medically necessary treatments and also provides direct payments by veterinarians in certain circumstances.
Healthy Paws pet insurance coverage injuries, illnesses, genetic diseases, as well as emergency care.
They also include prescription drugs, x-rays, other diagnostic tests and more. They do not include dental examination or treatment fees.
Do Healthy Paws include the conditions available? Also, be sure to make a vet visit with your pet for Healthy Paws.
If your pet is under the age of six, he must pass a veterinary examination in the 12 months before registration; otherwise, he must be examined within 15 days after registering at Healthy Paws.
Pets over six years old must pass the exam within 15 days of registration if they have not passed the test in the past 30 days.
Healthy Paws does not include health care or other expected treatments, as they provide these features to increase premiums limit payments or deny claims to areas other care.
Healthy Paws follows a pattern similar to car and home insurance companies, preserving their sums for disasters or emergencies.
Currently, you can download the Healthy Paws app on platforms like Android or IOS to experience the services of this pet insurance.
But if you do not have time to do so, we will help you by listing a few advantages and disadvantages for your reference.
- Westchester / Chubb fire insurance company is the sponsor
- Best rated
- If your pet has a pre-existing ligament problem that exists in one leg because of the cost of future treatment for other foot problems, you can use a mutual exclusion.
- Within 90 days of the service date, you must file a complaint. Healthy Paws will handle 99% of charges in just two days.
- Policyholders can deposit money directly.
- Healthy Paws can pay direct to your clinic in case you claim. You will not have to pay a substantial veterinary bill.
- In coverage for others, if you are unable to take care of your pet, you may transfer your policy without lapse.
- The new contract owner will be the one to pay the same amount on your behalf, and there will be no new terms added earlier.
- Annual deduction (not per accident)
- Lifetime coverage is not limited, so there’s no annual limit or breakdown for complaints
- Prices are generally the best value for money
- Your pet is covered when travelling with the U.S. or Canadian friend.
- High level of customer satisfaction
- Easily submit complaints on the Healthy Paws app for a fast refund
- BBB Rating: A +
- Great response time via email
- Good CCL insurance (ACL)
- Deposit or refund directly by check
- Veterinary examination and behavioural therapy fees are not covered
- Excluding hip dysplasia in animals registered after the age of 6 years, this may not be the best option for large pet breeds of 6 years. There is also a 12-month waiting period.
- There is an age limit (if the animal is over six years old, you must have a veterinary examination in the last 30 days to register or within 15 days after the police issued).
- Animals over the age of 8 are limited to 60% of the chargeback amount, and the annual deductible is $ 750
- A 15-day waiting period for an accident or illness
- There is no benefit plan
- Costs for $ 25 single expenses
What do healthy paws not cover?
- Veterinarian exam insurance
- Prescription food insurance
- Health care or preventive insurance
- Insurance of behavioural therapy
- Dental health insurance
- Insurance for pets ages eight and up (Limited to $ 750 deductible / 60% insurance)
- 24/7 customer service (7 days a week during regular working hours)
- Hip dysplasia insurance for pets aged six years and over
- Longer waiting time for hip dysplasia insurance
How do Healthy Paws pet insurance work?
Healthy Paws pet insurance is different from health insurance. Most plans require you to pay to the veterinarian for the full cost of the services.
You then send the itemized bill to your pet insurance company.
The insurance company then reimburses you according to the terms of your plan. Here are the things to look for when considering a plan:
- Deduction: The deductible is the amount you must pay before the plan starts to pay you back. A higher deductible usually means your monthly premium is lower. Let’s say your project has an annual deduction of $500. Your pet has a $500 vet visit, and this is your first vet cost of the year. You have to pay $500. The program will not reimburse you because you did not respect your deduction. The program will reimburse you for all subsequent charges, according to the terms of your plan.
- Rate reimbursement: The plan reimburses a percentage of covered expenses. You can choose your refund percentage: the higher your return rate, the higher your premium. Let’s say you respect your deductible and you have a $700 veterinary bill for covered services. If you have a 70% plan, it will refund you $490. If you have a 90% plan, it will refund you $630.
- Annual coverage limit: The yearly insurance limit is the maximum that your plan will pay each year. If you choose a project with a coverage limit of $2,500, you will be responsible for the expenses paid after your package has spent $2,500. Some plans offer unlimited coverage.
Is it essential?
In Canada, only 1% of pet owners currently register this type of policy. But to say that in other countries, these Insurance is much more common: 23% of cats and pets are insured in the U.K., for example, and 43% in Sweden!
The answer to this question is probably in a grey area: in fact, no insurance is really needed.
It is always a question to consider the pros and cons, but also the accurate assessment of risks.
Most pets will have health problems or “emergencies” in their lives, and bills can add up fast! Surgery alone can cost $ 4,000 or more. One thing is for sure, and if that happens, it will make a big hole in your budget.
The sad fact is that many animals with health problems can be treated every year, but simply because their owners cannot afford to pay for this treatment.
A pet is insured from a very young age for $ 35 per month, bringing in $ 420 per year.
At the end of 12 years, we’re talking about $ 5,040 in pet insurance. At this price, it is basic Insurance, so there is no need to reimburse routine, preventive or replacement costs.
If the pet is seriously ill or has an accident, these costs will undoubtedly be refunded. But if the animals maintain good health, Insurance will not necessarily be profitable.
However, what you buy with Insurance is above all else. Therefore, all pet owners should not be too hesitant to purchase Insurance for pets!
Refund and franchise
Refund – 10/10
As with franchises, Healthy Paws matches the best companies in the field, allowing you also to customize your refund rates.
You can choose 70%, 80% or 90% when starting your policy. Healthy Paws reimbursement is based on the veterinarian’s bill.
The company will sum up all the covered treatments for a given request and will pay the percentage you choose after you reach the deductible.
As with low deductibles, high percentage payments will amount to a more expensive monthly premium.
Healthy Paws often use the reimbursement model: policyholders pay veterinarians for treatment, send their claims to Healthy Paws and receive reimbursement.
However, if the pet owner is unable to pay for the vet at the time of treatment, they have the option to contact the Healthy Paws and ask them to pay the vet directly.
If the veterinary hospital welcomes payment from Healthy Paws, the insurance company can work directly with the clinic to speed up the process.
This direct payment option is available on a case-by-case basis and applies to treatments provided by any licensed veterinarian in the United States.
It is not limited to a specific network of veterinarians.
- Actual reimbursement model
- The minimum repayment rate of 70%
- The maximum repayment rate of 90%
Franchise – 10/10
Like all the best pet insurance companies, Healthy Paws allows you to customize your deduction to suit your financial needs.
Values can be set at $ 100, $ 250 and $ 500. If you choose a $ 100 deductible, you’ll get a higher payout for each incident, but you’ll also pay higher monthly premiums.
Healthy Paws pet insurance cost
Most insurance companies advertise their prices transparently to allow their potential customers to evaluate the offered price against the competitor’s price.
However, Healthy Paws does not indicate them on its website, nor does it provide online simulations of rates applicable to annual subscriptions for pet cat insurance.
Therefore, you will be obliged to make a personalized request using the form to be completed online.
But you are lucky because you have us who have a lot of experience in the pet insurance field.
Some of our friends who bought pet insurance Healthy Paws said that their premiums start around $ 15 per month for cats and $ 20 per month for dogs.
An affordable price!
Can I guarantee my pet after ten years?
Healthy Paws does not convey pet eligibility information for their insurance formulas.
Therefore, you will need to contact an online advisor or excerpt to find out if your pet can be insured with them.
However, please note that, as a general rule, the age limit for registration is eight years, although some well-known insurance companies do not set any age limits.
Anyway, the more you guarantee your small pet, the lower your rate will be!
Do my animals have to be microchipped or tattooed to benefit from Healthy Paws coverage?
Yes, because pet identification is required in some countries and insurance companies rarely accept animals that are not in good condition.
Our opinion about Healthy Paws pet insurance
Our opinion about the pet insurance provided by Healthy Paws is quite favourable.
Insurance is on the whole entirely satisfactory: accidents and illnesses with surgery are two requirements for Healthy Paws coverage.
Medical coverage without surgery is available from another formula.
There are no deductions for the budget formula. The other two have relatively low deductions: $20 and $30 per year.
The prevention package can only access the method comfortably.
No support components are included or even offered as an option. There is a severe lack of such protection. Finally, the waiting time is negligible.
Our expert team is available to handle (by phone or online) to help you with pet insurance research, procedures or questions. Do not hesitate to contact us when you need it!
How do I submit a claim to healthy paws?
To apply for Healthy Paws, you can:
Visit the Healthy Paws branch nearest to you.
On their website, you can directly buy the best Healthy Paws pet insurance online.
Although not required, pet cat insurance is a highly recommended protection measure.
In the United States, it is estimated that a pet costs an average of $800 per year to its owner. It is much higher than the cost of Insurance!
How to cancel Healthy Paws pet insurance?
Since pet insurance is not required, you can choose to cancel it. Also, because you no longer want to insure your pet, just because you have found a new contract that is more advantageous.
Because the pet contract is for one year, you can terminate the agreement each year on the anniversary, by respecting the 2-month notice.
No expression on your part, the contract will be automatically renewed.
If you want to terminate your contract before the anniversary, a few conditions are required:
- The death of the pet
- The death of the owner
- Sell the pet
Migration (depending on the conditions of your insurance company)
Get closer to Healthy Paws to find out the exact terms and conditions according to your registered warranties.
Termination of your pet insurance will take effect one month after receiving the termination request.
To help you with this process, you can download a standard pet insurance cancellation letter.
It must be sent by registered mail to Healthy Paws, respecting the 2-month notice period in case of termination on the anniversary.
Get veterinary Insurance for a reliable life
The average cost of pet insurance for pets is about $ 41 per month, but this can vary greatly depending on the type of pet you own, their age and where you live.
If you do not have any veterinary insurance, you may end up paying several thousand dollars a year for emergency care expenses, depending on the type of problem your pet is having.
Although the cost of veterinary Insurance may seem high, it is a question of balancing investment and profits.
If you can set up a pet emergency fund to cover unexpected expenses, you may not need to have an insurance policy.
Other owners should consider the cost of an insurance policy as an investment for the future health of your pet and the health of your bank account.
Do not wait to invest in a healthy and robust future with your best friend!
The story of Lindsey Krassin
Nothing undoes the stress of a long hard day like coming home to my best friend, Milo. I can’t wait to see him, and he can’t wait to see me. It’s just pure unfettered joy, and it never gets old for me.
While there was that time, the T.V. remote disappeared, and the time he decided to help me with the laundry by swallowing a gym sock.
Those trips to the Animal Hospital for Milo’s medical treatments got old pretty quick. But luckily, my vet told me about Healthy Paws pet insurance.
They pay up to ninety per cent of Milo’s bills with no limit on lifetime benefits, and you can see any license that you want.
They cover all those crazy emergencies but also things like ACL tears in the knees for tests to figure out why he’s throwing up or has the runs. Even cancer and alternative care are covered.
My vet said surprise surgery is like Milo’s are pretty common not to mention x-rays and blood tests prescription meds and hospital stays, but I’ve saved so much money because Healthy Paws covers all of that.
And last I checked pet parents gave Healthy Paws a ninety-eight per cent satisfaction rating at petinsurancereview.com.
Healthy Paws knows dogs will be dogs but isn’t that why we love them so much.
Healthy Paws pet insurance developed by Rob Jackson and Steve Siadek is a reliable option for health insurance for your pets.
This has been a reputable company in this field for many years, so you should not be hesitant when deciding to pay an insurance sum for your pet.
The offer is enormous. Besides, attractive prices can also attract more than one owner in a low budget!
And you, do you know the Healthy Paws pet insurance yet? Share your experience or ask us your questions in the comments!