Healthy Paws Pet Insurance has a simple plan and covers up to 90% of your pet's medical bills. The plan does not have a lifetime, an annual, or per incident payout cap. However, there are limitations to this plan. For example, it does not cover preexisting conditions. Here are some important things to consider when you choose this pet insurance policy.
Exclusions
Many common medical expenses are not covered by Healthy Paws pet insurance. Certain medical conditions may not be covered, including elective procedures, boarding, behavioral modifications, therapy, and certain types of skin rashes. Pre-existing conditions are also excluded from the policy. For complete details, consult your policy documents.
Pre-existing conditions are not covered, as is anal gland function, or elective procedures. However, it covers dental care, extractions and reconstructive procedures.
Limitations to coverage
Healthy Paws has a range coverage options for pet insurance. But, the policy does have some limitations. Pre-existing conditions may mean that the insurer will not cover your pet's need for a hip examination. In these cases, it may be a better idea to buy an additional wellness program from another provider.
In addition to the aforementioned limitations, Healthy Paws also excludes routine veterinary care costs and preventative care. This means that you will have to pay out of pocket for your annual checkups, dental cleanings, and spay/neuter procedure. The 12-month waiting period is required before the insurer will pay for benefits for hip dysplasia, or any other related issues.
Cost of coverage
The cost of Healthy Paws insurance for pets varies depending upon the plan. The company covers hip dysplasia, diabetes, and wellness. But, pre-existing condition may not be covered. You can adjust the monthly premiums or your deductible.
Healthy Paws pet insurance is less expensive than traditional insurance plans for cats. Young cats can get monthly coverage starting at $15 per mo. The cost of coverage for older cats could reach $90 per month. While coverage is allowed for animals up to 14-years old, the reimbursement percentage can be limited. Older pets may receive only 60% of the cost of the procedure.
Review of healthy Paws pet insurance
You should ensure that your pet's insurance policy covers all costs associated with their health care. This includes diagnostic tests and exams. Healthy Paws Insurance is highly rated and has a great reputation. The company is also accredited by the Better Business Bureau. Customers have praised Healthy Paws's coverage, premiums, claims process, as well as its customer service.
Healthy Paws' claims process is quick and easy, with no waiting periods. Customers can receive an instant quote online and select the amount of their deductible and reimbursement. They can also purchase policies online.