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Healthy Paws Pet Insurance
FREQUENTLY ASKED QUESTIONS
What are the Top 10 Common Illnesses and Accidents for Dogs?
22% Skin Issues - Veterinary care: Up to $5,000
Just like people, dogs can suffer from a variety of skin conditions, depending on environmental circumstances or bacterial infections. Vets see rashes, impetigo, mange, and dermatitis regularly.
PREVENTION - Avoid the source of irritation, allergy or infection and keep your dog's bedding or favorite chair clean. Annual visits to the vet for preventative care like vaccines and flea treatments helps cut back on parasitic culprits, but as we pet parents know, we're constantly outside with our pups. Regular grooming and bathing is a must.
16% Stomach Issues - Veterinary care: Up to $28,000
Stomach Issues are caused by inflammation or serious illnesses. Keep an eye on what your dog eats: life-threatening emergencies happen by ingesting bones, toys, and even leftovers.
PREVENTION - Don't feed your dog fatty human foods or change their food too quickly, and know what's poisonous to reduce toxicity (the big 5: grapes, raisins, garlic, chocolate, and xylitol). By seeing your vet regularly, parasitic infections can be drastically reduced as well. Finally, keep a mental inventory of your pup's toys... if one goes missing, it might be in their belly!
12% Ear Infections - Veterinary care: Up to $6,400
Dogs with floppy ears, beware; you're especially prone to getting ear infections. Moisture and wax can attract bacteria and yeast, which leads to problems.
PREVENTION - Dogs suffer from ear infections for a variety of reasons, including parasites (like mites), allergies, overactive yeast in the ear canal, and even hormonal issues can contribute to ear infections. Prevention includes keeping ears clean, dry and free of excess debris. If your pup exhibits any of the symptoms above, go see your vet.
8% Eye Conditions - Veterinary care: Up to $8,300
Abrasions and infection can lead to vision loss, but dogs can also be diagnosed with glaucoma, cataracts, and dry eye. A vet should check out all eye conditions immediately.
PREVENTION - Many puppies and dogs have eye conditions that are congenital or inherited, so prevention is difficult. Overall good health and nutrition helps to keep eyes strong, and catching changes in vision early will make a difference. However, accidents can happen, and an ulcer or laceration is not easily prevented!
8% Pain - Veterinary care: Up to $19,200
Symptoms vary; look for excessive grooming, panting, whimpering, lack of appetite, antisocial behavior, and stiff movements. See a vet before you dose with any pain reliever.
PREVENTION - By providing overall good health and wellness through exercise, diet, and annual checkups, many sources of chronic pain like arthritis can be avoided, but not always. Past trauma, genetic conditions, and even freak accidents can lead to a pet experiencing pain. Taking the steps to adequately treat physiological conditions can help prevent severe pain, and remember – if it looks like your pet is in pain, take them to the vet.
6% Growth/Lump - Veterinary care: Up to $15,000
This can be any protrusion, lump, bump, or foreign growth under your dog's skin. It can be cancer, or it could be a benign cyst or lump.
PREVENTION - There isn't one reliable answer for avoiding cysts, growths, tumors or hernias. Following a healthy lifestyle may help, but prevention is almost impossible, especially when genetics come into play. Catching growths early is vital.
6% Urinary Tract Infections (UTI) - Veterinary care: Up to $6,000
When the urinary tract area gets infected your dog may have bloody urine, have to urinate frequently, and may even have accidents around the house.
PREVENTION - Nutrition and hydration can help prevent UTIs, and there are various methods of natural remedies that include cranberry or blueberry powders, supplements or capsules. Keep fresh water available throughout the day for your pup, and take extra care to keep your dog's overall health intact; a balanced and appropriate diet as well as exercise goes a long way.
5% Allergies - Veterinary care: Up to $6,000
Yes, pets can get allergies just like you. The same things we're allergic to in the air and food can make our dogs sneeze, wheeze, and feel flu-like, too. However, dogs frequently have food allergies as well.
PREVENTION - Preliminary studies suggest that probiotics help support young pets' immune systems which may have an effect; however it's almost impossible to prevent allergies. You can help to reduce exposure by wiping down paws after walks and groom regularly with a hypo allergenic shampoo. For food allergies, read all food and treat nutritional labels and avoid the offending ingredient altogether.
5% Cruciate Ligament Tears (ACL Injury) - Veterinary care: Up to $13,400
An ACL injury for a dog is a serious problem with a serious price tag to treat—about $3,000-$5,000. Dogs with this injury will suddenly appear lame and generally won't put any weight on the injured leg.
PREVENTION - Spontaneous injuries or genetic conditions simply can't be avoided, and studies have shown that certain breeds develop cruciate ligament problems more readily. A healthy diet can help, especially since overweight dogs experience more stress on their joints.
4% Cancer - Veterinary care: Up to $21,300
Cancer symptoms include tumors, weight loss, and soreness, among others. Lots of dogs now undergo palliative chemotherapy which helps them fight the disease.
PREVENTION - Early detection is best, especially for cancers that are difficult to treat or do not have high success rates with surgery, radiation and chemotherapy. By taking your dog to the vet every year, you can hopefully catch it early and treatment options might be available.
Will Pet Insurance Save Me Money?
Absolutely yes! If you've ever had a major medical bill for a pet, then you know. If your dog or cat is seriously injured or develops a chronic illness, the vet bill can be astronomical. Even the most responsible pet parents may not be prepared for emergency procedures like a foreign object removal, which can cost upwards of $5,000, or a torn ACL that comes with a similar price tag.
How Much Does Pet Insurance Cost Per Month?
The cost of pet insurance varies based on several factors, such as where you live, what breed or breeds your pet is, and his or her age.
Cat health plans typically range from $15 to $40 per month.
Dog health plans typically range from $25 to $60 per month.
Why is Healthy Paws Top-Rated with pet parents?
Healthy Paws is the only company to offer unlimited annual & lifetime payouts with an annual deductible. No caps on claims. Ever!
Healthy Paws does not restrict coverage for hereditary and congenital conditions.
They are not complicated and have a very affordable, most comprehensive pet insurance plan.
Pet parents love the fast claim reimbursements (often in 3 days or less) and compassionate interactions with the Healthy Paws team.
Healthy Paws offers one pet insurance plan covering everything that matters to you and your pet, including injuries, illnesses, genetic conditions, and emergency care.
How Does Pet Insurance Work?
Pet insurance reimburses you after treatment.
You take your pet to your favorite veterinarian when they are sick or injured.
You pay the veterinarian at time of treatment.
You submit a claim to Healthy Paws.
Healthy Paws sends the reimbursement check directly to you within 3-10 days.
Healthy Paws will make special accommodations for large veterinary bills with the agreement of the veterinarian. Healthy Paws can actually direct pay the veterinarian and this needs to be pre-authorized and is handled on a case by case basis.
What If I Can't Pay the Vet at the Time of Treatment?
In situations where you cannot pay your vet at the time of treatment, you may contact Healthy Paws to pay your vet directly. If your veterinary hospital is willing to accept payment from Healthy Paws, they can work directly with them to expedite access to your pet's medical records and the processing of your claim. This direct payment option is available for any licensed vet across the United States; it is not limited to any specific network of vets.
Is it Hard to Enroll?
It's super fast and easy. It takes about 10 seconds to get a free pet insurance quote.
To sign up, it takes a couple of minutes to complete information about your pet(s) and provide Healthy Paws with a credit or debit card for monthly premium payment.
Customers receive a 30-Day Money-Back Guarantee with monthly auto-billing and they can cancel any time.
Is there a Waiting Period?
Lifetime coverage for dogs and cats enrolled after 7 weeks and before the age of 14.
15 day waiting period for accident and illness. 12 month waiting period for hip dysplasia.
Veterinary Exam Requirement:
Pets less than 6 years of age must have had an exam within 12 months prior to enrollment otherwise they must have an exam within 15 days from the enrollment date.
Pets 6 years or older must have had an exam within 30 days prior to enrollment otherwise they must have an exam within 15 days from the enrollment date.
Does Healthy Paws Cover Hip Dysplasia?
Yes, hip dysplasia is included in coverage at no additional cost to you, as long as the following requirements are met:
At the time of enrollment, your pet is under the age of six (6).
There are no clinical signs or symptoms manifest within the first twelve (12) months of continuous coverage.*
*Waiting periods do not apply to the states of Maryland and New Hampshire.
Conditions occurring within the policy waiting period(s)
Non-FDA treatment or supplements
Elective and cosmetic procedures
What about Dental Health Care?
Healthy Paws provides coverage for dental care related to traumatic injury, such as chipping a tooth while chewing a bone. They cover the cost of extraction or reconstruction of damaged teeth when there is damage to the mouth from an outside source.
Dental cleaning or extractions related to dental decay are excluded from coverage.
Are RX Diets Covered?
Unexpected treatment costs like diagnostic testing, surgery, FDA-approved prescription medications and hospitalization are covered. Healthy Paws does not cover the costs of food, including prescription or special allergen diets.
Is Euthanasia and Burial Covered?
When it is medically necessary for a covered condition, Healthy paws covers the costs of euthanasia. Cremation or burial are considered aftercare, and are not eligible for coverage.
What About a Savings Account for Pet Health Emergencies?
Unfortunately, when you are responsible for the total vet bill, the sudden onset of illness or an accident can wipe out a pet savings account for medical costs very quickly. What if you've saved $1,000 and you're hit with a $5,000 vet bill? With Healthy Paws, you can get reimbursed up to 90% of your vet bills with no caps on payouts and they have many customers with lifetime claim payouts exceeding $25,000. It's actually pretty cool.
Healthy Paws is a pet insurance company based in Bellevue, Washington. They provide medical insurance coverage for cats and dogs. They are underwritten by members of the Chubb Group, who are a consistently highly-rated insurer.
Healthy Paws offers an industry-leading pet medical insurance that includes unlimited lifetime benefits, high reimbursement, affordable coverage, and top rated customer service in all 50 states. Canada under certain circumstances.
In comparison to other pet insurance providers, Healthy Paws offers the most all-inclusive coverage and has no caps or limits annually, per incident, or lifetime. They cover all accidents and illnesses without any restrictions for hereditary or congenital conditions. To best suit your financial needs you can customize your deductible at $100, $250, or $500. Naturally, if you go with the $100 deductible you'll get a 90% payout per incident, but you are going to be paying a slightly higher monthly premium as well.
By getting health coverage for your furry family member, you can be there for them when they need you the most. After all, they're always there for you. Pet parents love the fast claim reimbursements and compassionate interactions with the Healthy Paws team.