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Frequently Asked Questions

At Healthy Paws we're here to make what we do and what we offer easy to understand. If you have a question that isn't answered below, please contact us or email us at partners@healthypawspetinsurance.com.



Partner Program General FAQ

1. Why is Healthy Paws top-rated with pet parents?

It’s not complicated. We created a very affordable, comprehensive pet insurance plan and then backed it up with an unparalleled commitment to customer service. From a pet parent’s perspective, they clearly understand what is covered and what is not covered. They also love the fast claim reimbursements (often in 3 days or less) and compassionate interactions with the Healthy Paws team.

Below are some key differences between Healthy Paws and other pet health insurance providers.

Benefit Healthy Paws Other Pet Insurance Companies
Coverage for expensive hereditary and congenital conditions? Healthy Paws does not restrict coverage for hereditary and congenital conditions. Many pet insurance companies exclude or limit expensive hereditary and congenital conditions.
Reimburse policyholder on the actual veterinary bill? Yes. Healthy Paws pays on the actual veterinary bill. Other companies will use a benefit schedule or use the term "usual and customary" which may substantially lower reimbursements to the pet parent.
Any plan limits? Healthy Paws is the only company to offer unlimited lifetime benefits with an annual deductible. No caps on claims. Ever! Most companies place per incident, per condition, annual or lifetime caps on claims. This lowers the reimbursement to the pet parent.
What do their customers say about their service? We work hard to earn the #1 rating from pet parents on leading review sites. We're committed to delivering the best pet insurance plan on the planet! Other companies simply have complicated plans that make it difficult for their service reps to achieve our standard of customer service.
2. Healthy Paws Pet Insurance plan summary

Healthy Paws offers one pet insurance plan covering everything that matters including injuries, illnesses, genetic conditions, and emergency care. If your pet needs treatment for any accident or illness, and it's not a pre-existing condition, you're covered. It's that simple!

Choose your options for an annual deductible and reimbursement level to fit your budget:

  • Annual deductible options of $100, $250, $500 or $750
  • Reimbursement level options of 90%, 80%, 70% or 60%
*Choice will vary depending on pet’s age.

Comprehensive coverage with unlimited lifetime benefits:

  • Unlimited lifetime benefits with no per incident, per condition, annual, or lifetime limits on claims.
  • See any licensed veterinarian including specialists and emergency animal hospitals to treat any accident or illness.
  • Covered veterinarian services include but are not limited to:
    • Diagnostic testing such as x-rays and blood tests
    • Hospitalization
    • Surgeries
    • Prescription Medications

Eligibility and waiting periods:

  • Lifetime coverage for dogs and cats enrolled 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.

Exclusions:

  • Veterinary Office Fee or Exam Fee.
  • Preventative care like annual exams, flea and tick medications, and spay/neuter surgeries are excluded from coverage.
  • No Dental coverage other than tooth extractions caused by an accident.
  • See the sample policy for complete details on coverage and exclusions.

3. How easy is it for someone to enroll a pet?

95% of all Healthy Paws customers self-enroll on our website. It’s super fast and easy. Your referrals will click on the Healthy Paws links you provide and we take it from there:

  1. Takes just 10 seconds to get a free pet insurance quote.
  2. Takes just a couple of minutes to complete information about their pet(s) and provide us with a credit or debit card for monthly premium collection.
  3. They receive a 30-Day Money-Back Guarantee with monthly auto-billing and they can cancel any time.

4. How does pet insurance work?

Pet insurance reimburses the pet parent after treatment.

  1. The pet parent takes their pet to their favorite veterinarian when sick or injured.
  2. The pet parent pays the veterinarian at time of treatment.
  3. The pet parent submits a claim to Healthy Paws.
  4. Healthy Paws sends the reimbursement check directly to the pet parent within 3-10 days.
Healthy Paws will make special accommodations for large veterinary bills with the agreement of the veterinarian. We can direct pay the veterinarian and this needs to be pre-authorized and is handled on a case by case basis.

5. Why doesn’t Healthy Paws offer wellness coverage?

Some pet insurance companies offer wellness coverage at an additional cost or incorporate it into one of their myriad of plans. When an insurance company reimburses for “expected” treatments like an annual exam, typically they will restrict coverage or payouts on the more important and higher cost accidents and illnesses to give this perceived benefit of wellness coverage.

Insurance is about protecting yourself from the unexpected. Auto insurance pays for that unexpected car collision or home insurance covers the unexpected water damage or fire. These do not cover expected maintenance. If they did, premiums would be quite expensive!

Pet insurance therefore should be about protecting you and your pet when they are sick or injured. Unlike wellness care, these are the conditions you cannot plan for in advance and can easily cost in the thousands of dollars. After all, no one wants to be faced with skipping an important treatment for their pet or, worse case, euthanizing their pet simply because they cannot afford veterinary care.

6. How much does pet insurance cost?

Healthy Paws premiums are calculated based on your individual pet’s breed, age and zip code.

  • Cat health plans typically range from $15 and $35 per month.
  • Dog health plans typically range from $25 and $45 per month.

7. What discounts are available?

As a participant in our Healthy Paws Partner Program, you can offer your constituents a lifetime discount of up to 10% off the underwritten premium. Employee Benefit programs receive a lifetime discount of up to 15% off the underwritten premium for employees and retirees. Discounts are not cumulative. These discounts can vary based on state regulations.



For Employee Benefits Programs

1. How do I offer Healthy Paws to my employees?

Once you join the Healthy Paws Employee Benefit Program (there is no cost to you for participating), you’ll have access to online and self-printed marketing collateral to help you educate your employees about Healthy Paws.

Outreach Steps

  1. Include information about Healthy Paws and the special employee discounts in your voluntary benefit product offerings and during open enrollment.
  2. Distribute information about Healthy Paws via email, company e-newsletters, payroll stuffers and new employee folders.
  3. Provide information at employee benefit fairs.

2. How does an employee get a free quote and self-enroll?

95% of all Healthy Paws customers self-enroll on our website. It’s super fast and easy. Your employees will click on the Healthy Paws links you provide on your benefits websites and we take it from there:

  1. Takes just 10 seconds to get a free pet insurance quote.
  2. Takes just a couple of minutes to complete information about their pet(s) and provide us with a credit or debit care for monthly premium collection.
  3. They receive a 30-Day Money-Back Guarantee with monthly auto-billing and they can cancel any time.
  4. They get a lifetime discount of up to 15% off the underwritten premium, which is the maximum discount possible.

3. Why is Healthy Paws top-rated with pet parents?

It’s not complicated. We created a very affordable, comprehensive pet insurance plan and then backed it up with an unparalleled commitment to customer service. From a pet parent’s perspective, they clearly understand what is covered and what is not covered. They also love the fast claim reimbursements (often in 3 days or less) and compassionate interactions with the Healthy Paws team.

Below are some key differences between Healthy Paws and other pet health insurance providers.

Benefit Healthy Paws Other Pet Insurance Companies
Coverage for expensive hereditary and congenital conditions? Healthy Paws does not restrict coverage for hereditary and congenital conditions. Many pet insurance companies exclude or limit expensive hereditary and congenital conditions.
Reimburse policyholder on the actual veterinary bill? Yes. Healthy Paws pays on the actual veterinary bill. Other companies will use a benefit schedule or use the term "usual and customary" which may substantially lower reimbursements to the pet parent.
Any plan limits? Healthy Paws is the only company to offer unlimited lifetime benefits with an annual deductible. No caps on claims. Ever! Most companies place per incident, per condition, annual or lifetime caps on claims. This lowers the reimbursement to the pet parent.
What do their customers say about their service? We work hard to earn the #1 rating from pet parents on leading review sites. We're committed to delivering the best pet insurance plan on the planet! Other companies simply have complicated plans that make it difficult for their service reps to achieve our standard of customer service.
4. Healthy Paws Pet Insurance plan summary

Healthy Paws offers one pet insurance plan covering everything that matters including injuries, illnesses, genetic conditions, and emergency care. If your pet needs treatment for any accident or illness, and it's not a pre-existing condition, you're covered. It's that simple!

Choose your options for an annual deductible and reimbursement level to fit your budget:

  • Annual deductible options of $100, $250, $500 or $750
  • Reimbursement level options of 90%, 80%, 70% or 60%
*Choice will vary depending on pet’s age.

Comprehensive coverage with unlimited lifetime benefits:

  • Unlimited lifetime benefits with no per incident, per condition, annual, or lifetime limits on claims.
  • See any licensed veterinarian including specialists and emergency animal hospitals to treat any accident or illness.
  • Covered veterinarian services include but are not limited to:
    • Diagnostic testing such as x-rays and blood tests
    • Hospitalization
    • Surgeries
    • Prescription Medications

Eligibility and waiting periods:

  • Lifetime coverage for dogs and cats enrolled 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.

Exclusions:

  • Veterinary Office Fee or Exam Fee.
  • Preventative care like annual exams, flea and tick medications, and spay/neuter surgeries are excluded from coverage.
  • No Dental coverage other than tooth extractions caused by an accident.
  • See the sample policy for complete details on coverage and exclusions.



For Affiliates

1. How easy is it to promote Healthy Paws Pet Insurance?

Once you join the Healthy Paws Partner Program, you’ll have access to online and self-printed marketing collateral to help you educate your audience about Healthy Paws.

Common approach to promoting Healthy Paws Pet Insurance:

  1. Update your website with Healthy Paws links and banners.
  2. Announce the availability of Healthy Paws Pet Insurance to constituents through email, social media, e-newsletters, direct mailings or blog articles. Healthy Paws provides many digital assets to help you engage your audience.
  3. Frequency of messaging and education is essential as pet health insurance is new to many pet parents.

2. How are referrals tracked and paid?

When you promote Healthy Paws through online marketing (emails, blogs, social media, banner ads, etc.), all of the tracking begins with the click of your unique Healthy Paws link or direct entry of your tracking URL.

To earn the referral fee of $35 for a completed submitted application (all information needed to underwrite the pet application including a valid credit card), the referred pet parent must be a new and unique visitor to Healthy Paws or a new and unique caller who has not been previously referred by another Partner.

Healthy Paws will send out quarterly payments for all referral fees earned. For additional information, please read the terms and conditions of the Healthy Paws Partner Program when you join.

3. Why is Healthy Paws top-rated with pet parents?

It’s not complicated. We created a very affordable, comprehensive pet insurance plan and then backed it up with an unparalleled commitment to customer service. From a pet parent’s perspective, they clearly understand what is covered and what is not covered. They also love the fast claim reimbursements (often in 3 days or less) and compassionate interactions with the Healthy Paws team.

Below are some key differences between Healthy Paws and other pet health insurance providers.

Benefit Healthy Paws Other Pet Insurance Companies
Coverage for expensive hereditary and congenital conditions? Healthy Paws does not restrict coverage for hereditary and congenital conditions. Many pet insurance companies exclude or limit expensive hereditary and congenital conditions.
Reimburse policyholder on the actual veterinary bill? Yes. Healthy Paws pays on the actual veterinary bill. Other companies will use a benefit schedule or use the term "usual and customary" which may substantially lower reimbursements to the pet parent.
Any plan limits? Healthy Paws is the only company to offer unlimited lifetime benefits with an annual deductible. No caps on claims. Ever! Most companies place per incident, per condition, annual or lifetime caps on claims. This lowers the reimbursement to the pet parent.
What do their customers say about their service? We work hard to earn the #1 rating from pet parents on leading review sites. We're committed to delivering the best pet insurance plan on the planet! Other companies simply have complicated plans that make it difficult for their service reps to achieve our standard of customer service.
4. Healthy Paws Pet Insurance plan summary

Healthy Paws offers one pet insurance plan covering everything that matters including injuries, illnesses, genetic conditions, and emergency care. If your pet needs treatment for any accident or illness, and it's not a pre-existing condition, you're covered. It's that simple!

Choose your options for an annual deductible and reimbursement level to fit your budget:

  • Annual deductible options of $100, $250, $500 or $750
  • Reimbursement level options of 90%, 80%, 70% or 60%
*Choice will vary depending on pet’s age.

Comprehensive coverage with unlimited lifetime benefits:

  • Unlimited lifetime benefits with no per incident, per condition, annual, or lifetime limits on claims.
  • See any licensed veterinarian including specialists and emergency animal hospitals to treat any accident or illness.
  • Covered veterinarian services include but are not limited to:
    • Diagnostic testing such as x-rays and blood tests
    • Hospitalization
    • Surgeries
    • Prescription Medications

Eligibility and waiting periods:

  • Lifetime coverage for dogs and cats enrolled 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.

Exclusions:

  • Veterinary Office Fee or Exam Fee.
  • Preventative care like annual exams, flea and tick medications, and spay/neuter surgeries are excluded from coverage.
  • No Dental coverage other than tooth extractions caused by an accident.
  • See the sample policy for complete details on coverage and exclusions.



For Agents & Brokers

1. How easy is it to promote Healthy Paws Pet Insurance?

Once you join the Healthy Paws Partner Program, you’ll have access to online and self-printed marketing collateral to help you educate your audience about Healthy Paws.

Common approach to promoting Healthy Paws Pet Insurance:

  1. Update your website with Healthy Paws links and banners.
  2. Announce the availability of Healthy Paws Pet Insurance to constituents through email, social media, e-newsletters, direct mailings or blog articles. Healthy Paws provides many digital assets to help you engage your audience.
  3. Frequency of messaging and education is essential as pet health insurance is new to many pet parents.

2. How are referrals tracked and paid?

When you promote Healthy Paws through online marketing (emails, blogs, social media, banner ads, etc.), all of the tracking begins with the click of your unique Healthy Paws link or direct entry of your tracking URL.

To earn the referral fee of $35 for a completed submitted application (all information needed to underwrite the pet application including a valid credit card), the referred pet parent must be a new and unique visitor to Healthy Paws or a new and unique caller who has not been previously referred by another Partner.

Healthy Paws will send out quarterly payments for all referral fees earned. For additional information, please read the terms and conditions of the Healthy Paws Partner Program when you join.

3. Do I need a license to provide pet insurance?

We’ve simplified our referral model and we do not require licensing information to offer Healthy Paws Pet Insurance to your personal lines clients or employer groups.

We do all the work for you, including educating the pet parent about Healthy Paws. All you have to do is refer your clients to us through online referral links.

4. Healthy Paws Pet Insurance plan summary

Healthy Paws offers one pet insurance plan covering everything that matters including injuries, illnesses, genetic conditions, and emergency care. If your pet needs treatment for any accident or illness, and it's not a pre-existing condition, you're covered. It's that simple!

Choose your options for an annual deductible and reimbursement level to fit your budget:

  • Annual deductible options of $100, $250, $500 or $750
  • Reimbursement level options of 90%, 80%, 70% or 60%
*Choice will vary depending on pet’s age.

Comprehensive coverage with unlimited lifetime benefits:

  • Unlimited lifetime benefits with no per incident, per condition, annual, or lifetime limits on claims.
  • See any licensed veterinarian including specialists and emergency animal hospitals to treat any accident or illness.
  • Covered veterinarian services include but are not limited to:
    • Diagnostic testing such as x-rays and blood tests
    • Hospitalization
    • Surgeries
    • Prescription Medications

Eligibility and waiting periods:

  • Lifetime coverage for dogs and cats enrolled 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.

Exclusions:

  • Veterinary Office Fee or Exam Fee.
  • Preventative care like annual exams, flea and tick medications, and spay/neuter surgeries are excluded from coverage.
  • No Dental coverage other than tooth extractions caused by an accident.
  • See the sample policy for complete details on coverage and exclusions.

5. Why is Healthy Paws top-rated with pet parents?

It’s not complicated. We created a very affordable, comprehensive pet insurance plan and then backed it up with an unparalleled commitment to customer service. From a pet parent’s perspective, they clearly understand what is covered and what is not covered. They also love the fast claim reimbursements (often in 3 days or less) and compassionate interactions with the Healthy Paws team.

Below are some key differences between Healthy Paws and other pet health insurance providers.

Benefit Healthy Paws Other Pet Insurance Companies
Coverage for expensive hereditary and congenital conditions? Healthy Paws does not restrict coverage for hereditary and congenital conditions. Many pet insurance companies exclude or limit expensive hereditary and congenital conditions.
Reimburse policyholder on the actual veterinary bill? Yes. Healthy Paws pays on the actual veterinary bill. Other companies will use a benefit schedule or use the term "usual and customary" which may substantially lower reimbursements to the pet parent.
Any plan limits? Healthy Paws is the only company to offer unlimited lifetime benefits with an annual deductible. No caps on claims. Ever! Most companies place per incident, per condition, annual or lifetime caps on claims. This lowers the reimbursement to the pet parent.
What do their customers say about their service? We work hard to earn the #1 rating from pet parents on leading review sites. We're committed to delivering the best pet insurance plan on the planet! Other companies simply have complicated plans that make it difficult for their service reps to achieve our standard of customer service.


For Rescues & Shelters

1. How easy is it to share Healthy Paws with my adopters?

A healthy pet stays adopted. It’s something we’ve learned in working with rescue groups across the country. You can help your adopters and community members learn about the rising cost of pet medical care and how to protect themselves from the high cost with pet insurance. Let’s keep adopted pets healthy!

Once you join the Healthy Paws Partner Program, you’ll have access to online and self-printed marketing collateral to help you educate your pet-loving community about Healthy Paws.

Common approach to promoting Healthy Paws Pet Insurance:

  1. Update your website with Healthy Paws links and banners.
  2. Announce the availability of Healthy Paws Pet Insurance to constituents through email, social media, e-newsletters, direct mailings or blog articles. Healthy Paws provides many digital assets to help you engage your audience.
  3. Frequency of messaging and education is essential as pet health insurance is new to many pet parents.

2. How are referrals tracked and paid?

When you promote Healthy Paws through online marketing (emails, blogs, social media, banner ads, etc.), all of the tracking begins with the click of your unique Healthy Paws link or direct entry of your tracking URL.

To earn the referral fee of $35 for a completed submitted application (all information needed to underwrite the pet application including a valid credit card), the referred pet parent must be a new and unique visitor to Healthy Paws or a new and unique caller who has not been previously referred by another Partner.

Healthy Paws will send out quarterly payments for all referral fees earned. For additional information, please read the terms and conditions of the Healthy Paws Partner Program when you join.

3. Why is Healthy Paws top-rated with pet parents?

It’s not complicated. We created a very affordable, comprehensive pet insurance plan and then backed it up with an unparalleled commitment to customer service. From a pet parent’s perspective, they clearly understand what is covered and what is not covered. They also love the fast claim reimbursements (often in 3 days or less) and compassionate interactions with the Healthy Paws team.

Below are some key differences between Healthy Paws and other pet health insurance providers.

Benefit Healthy Paws Other Pet Insurance Companies
Coverage for expensive hereditary and congenital conditions? Healthy Paws does not restrict coverage for hereditary and congenital conditions. Many pet insurance companies exclude or limit expensive hereditary and congenital conditions.
Reimburse policyholder on the actual veterinary bill? Yes. Healthy Paws pays on the actual veterinary bill. Other companies will use a benefit schedule or use the term "usual and customary" which may substantially lower reimbursements to the pet parent.
Any plan limits? Healthy Paws is the only company to offer unlimited lifetime benefits with an annual deductible. No caps on claims. Ever! Most companies place per incident, per condition, annual or lifetime caps on claims. This lowers the reimbursement to the pet parent.
What do their customers say about their service? We work hard to earn the #1 rating from pet parents on leading review sites. We're committed to delivering the best pet insurance plan on the planet! Other companies simply have complicated plans that make it difficult for their service reps to achieve our standard of customer service.
4. Healthy Paws Pet Insurance plan summary

Healthy Paws offers one pet insurance plan covering everything that matters including injuries, illnesses, genetic conditions, and emergency care. If your pet needs treatment for any accident or illness, and it's not a pre-existing condition, you're covered. It's that simple!

Choose your options for an annual deductible and reimbursement level to fit your budget:

  • Annual deductible options of $100, $250, $500 or $750
  • Reimbursement level options of 90%, 80%, 70% or 60%
*Choice will vary depending on pet’s age.

Comprehensive coverage with unlimited lifetime benefits:

  • Unlimited lifetime benefits with no per incident, per condition, annual, or lifetime limits on claims.
  • See any licensed veterinarian including specialists and emergency animal hospitals to treat any accident or illness.
  • Covered veterinarian services include but are not limited to:
    • Diagnostic testing such as x-rays and blood tests
    • Hospitalization
    • Surgeries
    • Prescription Medications

Eligibility and waiting periods:

  • Lifetime coverage for dogs and cats enrolled 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.

Exclusions:

  • Veterinary Office Fee or Exam Fee.
  • Preventative care like annual exams, flea and tick medications, and spay/neuter surgeries are excluded from coverage.
  • No Dental coverage other than tooth extractions caused by an accident.
  • See the sample policy for complete details on coverage and exclusions.

5. What is Every Quote Gives Hope™?

Our pet passionate team has been fortunate to be on the front lines of rescuing animals, providing critical care, and then placing them in happy homes. From helping the injured pets found in the aftermath of Hurricane Katrina to fostering an abandoned litter of puppies, we know that every homeless pet needs some medical care before having a chance at being adopted into a caring family.

Wanting to address this fundamental need of medical care, we created the Healthy Paws' Every Quote Gives Hope™ program. The simple act of getting a pet insurance quote from Healthy Paws results in a donation towards a homeless pet's medical care. We deliver that care by making cash grants to pet adoption organizations specifically for life-saving vaccines, spay/neuter surgeries, and advanced medical treatments.



To learn more about our pet health plan, visit the Healthy Paws FAQ page.