What every best Pet Insurance has:
- Comprehensive coverage.
- Clear exclusions.
- Customizable coverage levels.
No option for routine care coverage. Healthy Paws offers customizable accident, illness and injury coverage for dogs and cats after a 15-day waiting period. Pets must be between 8 weeks and 14 years old to get coverage. The plan covers hereditary and congenital conditions including hip dysplasia, but pets must be enrolled before the age of 6 and are subject to a 12-month waiting period for hip dysplasia coverage. Diagnostic tests and imaging, hospitalization, surgery and prescriptions are also covered. Pre-existing conditions are excluded, as is routine care. This includes veterinary exam fees, spaying and neutering, non-injury-related dental care, vaccinations and parasite control.
Unlimited lifetime benefits. Experts say there may be cheaper plans than Healthy Paws, but prices depend on several customizable options. Pet owners can choose from a $100, $200 or $500 annual deductible and 70, 80 or 90 percent reimbursement level. There's no annual, lifetime or per-incident cap on benefits. Discounts include price cuts for members of employer-sponsored plans, animal welfare volunteers, active service members, alumni association members, and members of groups such as AAA and AARP. Discounts are also available if your pet is microchipped. Premiums are subject to "manageable" increases based on rising care costs, the company says.
Customer service goes the extra mile. Healthy Paws accepts claims via email, fax or mail. Most pet owners are satisfied with the claims process, saying it's relatively painless and reimbursements are quick. However, several complain that the company wrongly denies legitimate claims by branding them as pre-existing conditions even when there's little evidence of such. Still, customer service gets strong reviews across the board, with some owners saying representatives follow up to inquire about a pet's well-being or send sympathy cards after a loss. Experts praise Healthy Paws' easy-to-understand website, clear coverage explanations and thorough quote generator.