If you’re looking to get insurance for your dog, Healthy Paws may be an option to consider. This plan allows you to customize your reimbursement level, as well as the annual deductible, depending on the level of care that you want for your pet. Reimbursement levels range from 60% to 90% of the cost of care, and the deductible amount can be anything from $100 to $500. Healthy Paws requires you to fill out an application form, which will require your contact information and mailing address. In addition, you’ll have to pay your first premium, which is $25.
Age restriction
Healthy Paws is a health insurance plan for dogs. This plan covers various diseases and conditions, including hereditary and congenital conditions. However, this plan has certain limitations. For example, it does not cover hip dysplasia for older dogs. It also does not cover vet exams. There is no lifetime limit on coverage, but there is an age restriction of 6 years. Moreover, this plan is not very expensive.
If your pet is younger than 6 years, it is a great option. Since the plan is affordable for younger animals, enrolling your pet at a young age can give them a lifetime of benefits. Besides, Healthy Paws covers the costs of therapies and alternative treatments. However, if your pet is older than six, you might need to use a wellness plan from another provider to supplement the benefits.
Waiting period
When it comes to determining the type of pet insurance you need, you should keep in mind that there are waiting periods involved. These periods vary by provider. For example, Healthy Paws has a 15-day waiting period for injuries and illnesses, while Trupanion has a 30-day waiting period. The waiting periods may seem long, but the chances of your pet getting sick during that time are minimal. Unfortunately, if your pet does become ill during this period, it will be treated as a pre-existing condition, meaning that the health insurance plan will not pay for any long-term care.
Other pet insurance plans have shorter waiting periods. Healthy Paws covers expenses up to six months after diagnosis for injuries and illnesses, but there are restrictions. Hip dysplasia requires a 12-month waiting period and only applies to pets under six years of age. The company also has a bilateral exclusion for cruciate ligament injuries, so it won’t cover the expense of treating an injured leg due to a hip or knee injury in a different leg.
Coverage for pre-existing conditions
One of the benefits of Healthy Paws is that it covers pre-existing conditions. There is a waiting period before the benefits kick in, however. This varies between different pet insurance providers, but the general rule is 15 days for injuries and 30 days for illnesses. While the odds of your pet becoming ill during this waiting period are slim, they can happen. If your pet does get sick during this period, it will be considered a pre-existing condition and its long-term care needs will never be covered.
Healthy Paws coverage for pre-existing conditions is not very extensive, but it does offer good coverage for many conditions. In most cases, accidents and illnesses are covered. However, it does not cover surgeries, lab and diagnostic testing, or preventative care. Moreover, there are some conditions that are not covered by Healthy Paws, such as hip dysplasia.
Cost
Healthy Paws offers a variety of pet health insurance plans and has many features for the cost-conscious consumer. However, customers need to be aware of certain limitations when choosing a plan. For example, Healthy Paws does not cover vet exam costs in case of accidents or illnesses. In addition, there are limitations regarding certain conditions and waiting periods.
One of the greatest benefits of Healthy Paws is that you only have to pay your deductible once a year. This is a major advantage when compared to other pet insurance plans. Healthy Paws also gives pet owners the option to choose their deductible amount, which can be as little as $100 or as high as $500.
Continuity of coverage for chronic conditions
When your pet gets a chronic condition, you want to be sure you’ll be covered. Chronic conditions can be expensive, costing hundreds of dollars per month. Healthy Paws is a great option because it will cover chronic conditions, not just pre-existing ones.
Chronic conditions can be painful for both you and your pet, and they require expensive prescription medications to treat. Even if they don’t appear until later in life, these conditions can cost thousands of dollars a year to treat. Unfortunately, many pets are given up to shelters due to high vet bills. Healthy Paws’ pet insurance plan will reimburse you up to 90% of vet bills. In addition to accidents and emergencies, this insurance also covers illnesses and hereditary conditions.
