Rob Jackson and Steve Siadek met at a no-kill animal shelter, where both had a passion for helping animals. They decided to join forces to create a pet health plan and, in 2008, founded Healthy Paws. The company has since partnered with Aon Corporation, and its pet health plans are underwritten by the Chubb Group, an A+ rated insurer with more than 25 billion dollars in surplus. As a result, Healthy Paws has been rated as one of the best companies to deal with, boasting among the highest customer satisfaction ratings.
Waiting periods for alternative therapies
The waiting periods for alternative therapies at Healthy Paws vary by treatment. Most treatments are covered for 15 days if your pet is healthy and accident-free. However, for some treatments, including hip dysplasia, there are long waiting periods. These wait times can be frustrating, especially if you have an ailing pet or a dog that has recently been injured. Also, the policy does not cover coverage for older dogs.
Some conditions are excluded from Healthy Paws coverage, including cruciate ligament problems. This policy lists medical conditions that are considered bilateral. In other cases, the plan does not cover vet exam fees. You will also need to wait a specific number of days before receiving coverage for the alternative therapy of your choice. Depending on where you live, your state may have different waiting periods for a given treatment. It is best to check with the insurance company to see if your state requires any waiting periods before enrolling in their plan.
The annual lifetime deductible for Healthy Paws insurance is $100. The plan is not available in North Dakota. During the enrollment process, you will have to pay a $25 administration fee. If you want to use the Healthy Paws insurance plan for your other pets, you can add a friend’s pet and get a further $25 discount. You will also receive a $25 donation for each friend you refer. There is a lifetime deductible of $100, but you can choose a higher amount for your policy.
If your pet gets a condition that requires extensive veterinary care, Healthy Paws will cover the costs. This insurance plan is not good for dental work. The plan will not cover dental cleanings or treatment for periodontal diseases due to a lack of preventive care. Nevertheless, it will cover dental problems that are caused by accidents. Healthy Paws offers email and phone customer service. You can also handle most account management issues online, such as making a claim. Healthy Paws has no per-incident or annual limits.
Another major downside to Healthy Paws is that the plan starts the day you enroll. However, it has a waiting period of 15 days before accident coverage begins and a 12-month waiting period before coverage begins for pre-existing conditions. This dissuades many pet owners from enrolling in the plan if their pet has already been diagnosed with a health condition. If you enroll in a plan that requires an annual deductible, you should take a look at the deductible and payment structure.
Healthy Paws’ insurance is ideal for pet owners who do not want to spend money every year on pet care. The policy covers emergencies and routine procedures such as spays and neutering. It even has a waiting period for coverage for hip dysplasia. Healthy Paws also covers alternative treatment like acupuncture. Aside from being very affordable, Healthy Paws pet insurance also has a lifetime deductible.
Coverage for hospitalization
The Healthypaws pet insurance plan was created by an insurance executive and former executive at a no-kill shelter to act as a foundation and pet insurance plan for homeless pets. The plan is backed by global insurance giant Chubb Group and partners with veterinary insurance broker Aon Corporation to offer pet insurance plans. Healthypaws coverage for hospitalization is based on age, breed, and location. For more information, visit healthypaws.com.
In general, Healthy Paws insurance covers hospitalization for new and existing medical conditions. Hospitalization expenses are covered when your pet is confined in a hospital for an extended period of time. The plans are easy to understand and do not have maximum payout amounts. You can apply for the Healthy Paws plan for as many pets as you want. A one-time new member fee is required. The coverage will pay up to 80 percent of the actual vet bill.
Healthy Paws covers most vet visits, alternative therapies, and surgery. Enrollment is easy, and reimbursement is processed quickly. Healthy Paws offers payment by check or direct deposit. The latter takes up to 10 days, depending on the financial institution. In general, the reimbursement will arrive within 48 hours. Healthy Paws pays hospitalization and veterinarians directly. However, in some states, enrollment is required for an additional 15 days.
Some of the medical conditions covered by Healthy Paws include hereditary conditions and accidents. Moreover, it covers congenital and hereditary conditions, including hip dysplasia. However, there is one major exclusion to this insurance: coverage for cruciate ligament problems. Healthy Paws coverage for hospitalization does not cover cruciate ligament problems on both sides of the body. Healthy Paws does cover prescription medications.
Healthy Paws pet insurance doesn’t cover diseases that can be prevented with preventative care, like regular dental cleanings. Unlike human health insurance, Healthy Paws won’t pay for dental problems that can be prevented with preventative care. Similarly, if you neglected to give your pet preventative care, he or she might develop periodontal problems later on. Fortunately, you can contact Healthy Paws customer service by phone or email, and virtually all account management issues can be handled online. The company doesn’t have any payment limits, lifetime caps, or per-incident limits, either.
Preventative care for healthypaws is covered by a deductible, but you’ll have to pay it every year. This deductible applies to all types of health care, not just accidents. However, since the coverage is per-condition-based, your pet can’t get covered for pre-existing conditions, like hip dysplasia. If your dog is already sick or has an existing condition, you won’t need to pay the deductible.
While Healthy Paws offers only one plan, it does offer three reimbursement levels: $100, $250, and $500. Each deductible has a different reimbursement percentage, which will vary depending on how much you’re willing to spend. Healthy Paws’ reimbursement percentage, or PRP, is calculated after you’ve paid your deductible. This way, you can save up to 50% on the total cost of the health care for your pet.
Healthy Paws’ PRP policy covers a range of conditions, including illnesses, hereditary illnesses, and injuries. The policy also covers cancer care and treatment for new conditions. The company’s policies are easy to understand and cover unexpected emergencies. Most policies cover preventative care, but there are some limitations, so it’s important to read the fine print before enrolling. Healthy Paws’ PRP is an excellent choice for your pet’s veterinary care.
Healthy Paws offers credit coverage. However, if your pet has a pre-existing condition, you’ll still need to pay out-of-pocket for any treatment. You can also customize your policy by selecting your deductible and the reimbursement rate. As long as your pet’s age is under six years, it won’t affect your PRP policy. If you’re not sure if Healthy Paws is the best choice for your dog or cat, consider an alternative policy.