قالب وردپرس درنا توس
Home / Insurance / Healthy Paws Pet Insurance Review 2020

Healthy Paws Pet Insurance Review 2020



Advantages

  • Unlimited benefits and no caps
  • Coverage for hereditary conditions
  • Paperless and fast claims
  • You can visit any veterinarian
  • Each quote gives Hope ™

Disadvantages
  • ] Pre – Existing conditions are not covered
  • No cover for preventive care
  • No cover outside the US
  • Although I currently have no pets, my husband and I plan to add a Doberman Pinscher to our family in the future.

    Once we get our Doberman, the first thing we will do is get pet insurance.

      Healthy Paws Pet Insurance Review

    I never realized how important and sometimes fragile a pet's health can be.

    understand how health insurance works for a parent of pets, I knew immediately how pet insurance would work for our future Doberman.

    But I realized that it would probably be confusing for others who do not already have a good understanding of health insurance and how it works.

    In this review today I will show you how the registration process for Healthy Paws Pet Insurance works, what the insurance covers and why it is one of the best options when applying for animal health insurance for your dog or cat. [19659018] Who is Healthy Paws Pet Insurance?

    Healthy Paws Pet Insurance is an insurance agency that has partnered with ACE American Insurance Company.

    The ACE American Insurance Company has been around since 1945, and you've probably never heard of them.

    But on July 1, 2015, they became the world's largest listed insured real estate and non-life insurance company with the acquisition of Chubb Corporation for $ 28.3 billion.

    Following the acquisition, ACE adopted the Chubb name globally.

    I have put their company information in a quote block so you can see it better. Company, Atlantic Employers Insurance Company and Illinois Union Insurance Company, members of the Chubb Group.

    ACE Limited & Chubb Limited are ranked (A ++) Superior by AM Best .

    This is an important factor, because when it comes to pet insurance, you need to know that you can trust an insurance company and that they are financially sound.

    Agents not required.

    Get a quote and sign up online without talking to an agent. But we're here if you need us.

    Impartial, expert advice.

    Get impartial insurance training from licensed experts and also avoid questionable sales calls.

    Coverage in minutes.

    You can get pet insurance coverage within minutes of receiving your quotes and application.

    Why should you care about AM Best?

    While it's amazing that Healthy Paws is consistently ranked # 1 in customer service by all the best review sites, it's even more amazing that they have the highest A.M. Best rating.

    I like to think of A.M. Best as the insurance industry's JD Power, they have been around for over 117 years.

    They rate companies based primarily on their financial strength, which may be an indicator or ability to pay damages.

      A.M. Best rating

    # 1 in customer service

    Along with being supported by one of the most financially sound insurance companies.

    Healthy Paws has also been ranked No. 1 several times by all the best review sites for having the best customer service.

    Customer service is always an important factor, especially when it comes to buying something for our family members.

    Check out some customer reviews from Consumer Advocate:

    From: Ali M. from Phoenix Arizona

    " Healthy paws have taken care of my German Shepherd for many years now and Caesar would not be where he is today without them.He had several hip problems that required a total hip replacement on both sides and healthy paws were always there to come in and help cover his medical expenses. with him when he needed endless amounts of physical therapy and medicine while he recovered.He lives and walks painlessly because of the excellent support that Healthy Paws provides.They are the best decision I have ever made and all future pets will be immediately covered by Healthy Paws I recommend them to all potential pet parents !!!! " [19659012] From: Jeannette of Baird, Texas

    " We did not expect to actually use the insurance before our dog even became v one year old but between a bit of bad luck and a bird-catching puppy, we set up the vet trips. I'm so glad we had health paws to help with these expenses! The process was simple, their customer service was excellent when I had questions and payments have been fast. "

    What makes healthy paws different?

    What makes healthy paws so different is that they do not offer any ceiling on claims, which are basically unlimited benefits.

    Healthy paws also cover hereditary and congenital conditions that other companies do not include or include with limited coverage.

    What is covered by healthy paws?

    Healthy paws have only one plan that is excellent, it prevents you from having an overload of information.

    Below is a list of things that your pet is covered by:

    • Diseases
    • Accidents
    • Hereditary conditions
    • Congenital conditions
    • Chronic conditions
    • Cancer
    • Diagnostic treatment
    • X-rays, blood tests, ultrasound [19659061] Surgery
    • Hospital stay
    • Prescription drugs
    • Emergency care
    • Special care
    • Alternative ive Treatment

    Annual deductible

    I am happy to recover paw ar offers an annual deductible instead of a deductible per condition.

    "In Plain English." An annual deductible is a cost you pay per year for covered health care services for your pet before your insurance plan begins to pay

    You only need to meet the deductible once a year, no matter what condition or conditions may occur.

    So: [19659012] Let's say you have a $ 250 Annual deductible with 90% compensation.

    It's the beginning of the year, and your pet has to go in for something like a chronic ear infection.

    This can cost around 3,750 $ to process. With your plan above it is like this:

    You would pay the first $ 250.00 because it is your deductible and then you would only be responsible for 10% of all costs for the rest of the year

    So you would pay a total of $ 625.00 for chronic ear infection. At that time, any additional problems or conditions would be covered by 90%.

    With one deductible per condition, you would be in a situation to pay a new deductible every time something new came up.

    An annual deductible not only saves more money, but also prevents you from having to keep up with how many times a permit has occurred when it's time to file your claim.

    No Caps On Claims

    Healthy Paws is the only insurance company that offers unlimited lifetime benefits with an annual deductible at no extra cost.

    There is no annual maximum for the number of benefits that can be paid.

    If your pet had a really bad year, you would not have to worry about them being covered.

    When you meet your Annual Deductible, Healthy Paws will cover you for the amount of compensation you choose for the rest of the year without a ceiling.

    Some companies maximize your annual benefits to a certain amount.

    For example:

    Some companies only cover your pet for up to $ 10,000 in benefits per year.

    This means that if your pet has a bad year with accidents or illness, the insurance company would no longer cover your pet for the rest of the year when the bills hit $ 10,000.

    You can understand that although premiums may be lower for your coverage each month to month, your costs may skyrocket if you exceed your maximum before the year is up.

    Lifetime Coverage

    As long as you register your pet before the age of 14, your pet will be covered by Healthy Paws for life as long as you pay the monthly insurance premium.

    Coverage will not cease due to age or illness.

    What Not covered by them?

    Existing conditions

    Healthy paws, like all pet insurance companies, do NOT cover existing conditions.

    They define those shown in the excerpt below:

      healthy paws

    " An pre-existing condition means that the condition first appeared or showed clinical symptoms before your pet coverage began (including waiting times). Our pet insurance protects you against future conditions, and unfortunately no pet insurance company can cover existing conditions. "

    So:

    If your cat or dog suffers from a condition, before you get your coverage, Healthy will Paws not to pay out on a requirement for the specific condition.

    All other conditions would be covered.

    Preventive care

    Healthy paws do not cover preventive care; this includes things like:

    • Spaying & Neutering
    • Vaccinations
    • Flea Control
    • Heartworm Medication
    • Parasite Control
    • Grooming
    • Nail Trimming
    • De-Worming
    • Titer Test
    • Dental health (unless it is an injury)

    Coverage outside the country

    Healthy paws only cover your pet while you are in the United States and for a short time in Canada.

    This is something you need to keep in mind if you decide to take your pet out of the country.

    Agents not required.

    Get a quote and register online without talking to an agent. But we're here if you need us.

    Impartial, expert advice.

    Get impartial insurance training from licensed experts and also avoid dubious sales calls.

    Coverage in minutes.

    You can get insurance coverage for pets within minutes of receiving your quotation and application.

    Reimbursement of your actual bill

    Unlike some companies, Healthy Paws will reimburse you based on your actual veterinary bill.

    Once you have paid your vet, all you have to do is use the Healthy Paws app to send a copy of the bill to be paid out on the claim.

    Below is an example of how it would work:

      healthy paw insurance

    Fast & paperless claims

    The Healthy Paws Mobile App now allows you to just take a picture of your receipt and upload it to the app to submit your application.

    This is a super easy and fast way to get started with the process, no paperwork needed.

      healthy paws mobile app

    An additional advantage is that if you add your bank details to the customer center, you can have your claim sent via direct deposit.

    This is an impressive feature, because now you no longer have to wait for a check to be sent in the mail, it is completely seamless.

    Healthy Paws Availability and Policy Options

    Annual Deductible Options at:

    * Options for Compensation:

    * The choice varies depending on the age of the pet.

    Eligibility and waiting time:

    • Lifetime coverage for dogs and cats as registered before the age of 14
    • 15 days waiting period for accident and illness.
    • 12 months waiting period for hip dysplasia.

    Requirements for veterinary examination:

    • Pets under 6 years of age must have had an examination within 12 months before registration, otherwise they must have a degree within 15 days from the Date of Registration.
    • Pets 6 years or older must have had a test within 30 days of registration, otherwise they must have a degree within 15 days of enrollment.

    Agents not required.

    Get a quote and sign up online without talking to an agent. But we're here if you need us.

    Impartial, expert advice.

    Get impartial insurance training from licensed experts and also avoid dubious sales calls.

    Coverage in minutes.

    You can get insurance coverage for pets within minutes of receiving your quotation and application.

    How much do healthy paws cost?

    Just like how life insurance works, pets are guaranteed on an individual basis.

    Therefore, prices vary depending on your pet.

    The following are some examples:

    Examples of pet insurance rates for dogs
    * Rates based on a medium sized mixed dog with 80% compensation and $ 250 per year deductible

    Examples of pet insurance rates for cats
    * Rates based on a mixed cat with 80% compensation and $ 250 annual deductible

    Along with the cost of pet insurance, we must also consider the cost of not having pet insurance.

    Check out this great resource on why you probably need to cover your pet and how much money you can save.

    There is a waiting period of 15 days after your pet's insurance date.

    The insurance for your pet applies from 12:01 the day after you register your pet with Healthy Paws Pet Insurance.

    You can submit claims for accidents and illnesses that occur after a 15-day waiting period.

    Hip dysplasia coverage is provided at no extra cost and is subject to a 12-month waiting period.

    * Waiting times do not apply to the states of Maryland and New Hampshire.

    Agents not required.

    Get a quote and register online without talking to an agent. But we're here if you need us.

    Impartial, expert advice.

    Get impartial insurance training from licensed experts and also avoid dubious sales calls.

    Coverage in minutes.

    You can get insurance coverage for pets within minutes of receiving your quotation and application.

    Cancellation Policy for Healthy Paws

    Healthy Paws Offers a 30-Day Free Watch Period; Basically, this is how we say a "30-day money-back guarantee" in the insurance world.

    If you have not filed a claim and decide to cancel your insurance within the first 30 days, Healthy Paws will give you a full refund.

    No questions asked. This is a great way to at least get your pet covered and see if you like it.

    Healthy Paws offers a 30-day free viewing period; Basically, this is how we say a "30-day money-back guarantee" in the insurance world.

    If you have not filed a claim and decide to cancel your insurance within the first 30 days, Healthy Paws will give you a full refund.

    No questions asked. This is a great way to at least cover your pet and see if you like it.

    How to Register (Video Review)

    I created a quick video review of how easy it is to get your pet enrolled in the Healthy Paw Pet Insurance Plan:

    Every Quote Gives Hope ™ Foundation

    Healthy Paws has a solid foundation for helping pets. It goes by the name Every Quote Gives Hope ™.

    When you receive a quote, you provide medical care to a homeless pet in need. When you receive a quote for pet insurance, Healthy Paws donates to a homeless pet care provider by providing cash grants to pets for adoption of pets.

    You can check out all the great stories and pets that have helped through this program here.

    Agents not required.

    Get a quote and register online without talking to an agent. But we're here if you need us.

    Impartial, expert advice.

    Get impartial insurance training from licensed experts and also avoid dubious sales calls.

    Coverage in minutes.

    You can get insurance coverage for pets within minutes of receiving your offers and application.

    Acting

    I know my Healthy Paws review is one of the longer ones out here.

    However, I wanted to make sure I gave as much detail and information as possible.

    If you have been buying pet insurance for any reason, I say give the 30-day free look a try and take the time you need to look over the insurance and decide if it is the right thing for you and your family.

    Just click here or on any of the above buttons to get started.


    Source link