Healthy Paws Review | Top 10 Pet Insurance Reviews

Reviewed by:  André Spiteri

 

The Gist

Healthy Paws was rated the best pet insurer in the US for four years running. It’s the only pet insurer to offer unlimited lifetime benefits and no claim caps at surprisingly affordable rates. The absence of any claim caps or limits gives you the peace of mind that your pet’s treatment for chronic or serious conditions will always be covered, no matter the cost.

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Healthy Paws Highlights

  • Voted best in class, four years in a row
  • One comprehensive plan
  • Great value for money

Pros

  • Unlimited lifetime benefits
  • Mobile app for easy claim submission
  • No claims caps
  • Very few exclusions

Cons

  • No wellness cover
  • Vet examination fees not covered

What Healthy Paws Covers 

Healthy Paws has one plan that covers the diagnosis and treatment of all accidents, acute and chronic illnesses and genetic and hereditary conditions. If it’s not a pre-existing condition, it’s covered.

Coverage includes diagnostic tests, hospitalization, surgery, prescription medication, specialist treatment and alternative treatment. It honestly cannot get any simpler or more straightforward than this. 

Limits and Deductibles

Unlike most other insurers, Healthy Paws does not have any annual limits, per incident payout caps or lifetime caps.

Reimbursement is a straight 70%, 80% or 90% of your total bill after the annual deductible, irrespective of how many claims you make in a year. The lack of any lifetime payout caps means your pet’s treatment for chronic conditions will be covered for life, irrespective of how much it costs. 

Value for Money 

Price depends on your pet’s species and age as well as your choice of annual deductible and reimbursement percentage.

You can insure your pet for as little as $16.48 a month if you choose 70% reimbursement and a $500 annual deductible. Seeing as you’ll get maximum cover without any annual limits, lifetime limits or payment caps, this is a steal.

Healthy Paws also has a mobile app that makes claims submission and policy management very easy.

Age Limits

Healthy Paws provides lifetime coverage for your pet. Just enroll before your pet’s 14th birthday!

These age limits are quite reasonable, as other insurers have minimum age limits, or even lower upper age limits.

Fine Print: What Isn’t Covered 

Healthy Paws has few exclusions, and they’re quite straightforward and simple to understand.

The exclusions are pre-existing conditions, spaying and neutering and routine wellness. Surprisingly, veterinary examination fees aren’t included either.

Conclusion 

Although veterinary examination fees are not recoverable, Healthy Paws gives your pet comprehensive cover at an incredibly reasonable price and with surprisingly few catches.

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Last Updated: February 2016

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