How Much Does Healthy Paws Pet Insurance Cost? (2024 Update)
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One of the hardest parts of owning a pet is when they are sick or injured. You want your dog or cat to get better, but veterinarian treatment can be expensive. Having pet insurance like Healthy Paws can help when the unexpected occurs. Learn more about pet insurance, including how much Healthy Paws costs and what their plans cover.
The Importance of Pet Insurance
Owning a pet comes with routine expenses, such as grooming, food, and annual wellness visits. These costs are predictable and easy to budget for.
Pet insurance is a safety net for any unexpected accidents or illnesses. No one expects their dog to be hit by a car or their cat will develop cancer. Pet insurance like Healthy Paws gives you peace of mind. Pet insurance also allows you to make decisions based on your pet’s best interests, not solely on your wallet.
How Much Does Healthy Paws Pet Insurance Cost
We used Healthy Paws’ “Create a New Quote Feature” to find monthly premium prices for dogs and cats of various ages. We found that some older pets on the East Coast are not eligible for Healthy Paws pet insurance, and overall, monthly premiums were higher on the West Coast.
While this table gives you a general idea of Healthy Paws’ premiums, you can see that prices vary greatly based on location, breed, and age. We encourage you to get your own quote to see if Healthy Paws is a good value for you.
| Pet & Policy Information | Monthly Premiums | ||
| West Coast | Midwest | East Coast | |
| Female Dog
Age: 6 years old Breed: Medium size mixed breed 70% reimbursement $500 annual deductible No maximum payouts |
$ 61.52 | $ 44.91 | Not Available |
| Male Dog
Age: 4 years old Breed: French bulldog 70% Reimbursement $500 Annual deductible No maximum Payouts |
$ 84.97 | $73.98 | $67.11 |
| Female Cat
Age:7 years old Breed: Siamese 70% Reimbursement $750 Annual deductible No maximum payouts |
$35.14 | $25.63 | Not available |
| Male Cat
Age: 1-year-old Breed: Domestic short hair 80% Reimbursement $250 Annual deductible No maximum payout |
$ 19.15 | $ 18.49 | $ 15.50 |
Additional Costs to Anticipate
- Boarding
- Cremation and burial
- Dental care, unless needed to treat an accidental injury
- Examination fees/Office visits
- Elective procedures
- Grooming
- Nail trims
- Pre-existing conditions*
- Preventative care
- Spay/neuter
*Healthy Paws defines pre-existing conditions as those which “first occurred or showed clinical signs or symptoms” before your coverage began, with or without a formal diagnosis.
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Are Healthy Paws Monthly Premiums Customizable?
Yes, to a point. You can adjust your annual deductible and reimbursement percentage to raise or lower your monthly premium. The table below shows how customizing your plan will change your monthly premium amounts. The prices below are for the West Coast.
| Male Dog Age: 3 years Breed: Labrador retriever |
80% Reimbursement
$250 Annual deductible |
70% Reimbursement
$500 Annual deductible |
50% Reimbursement
$1,000 Annual deductible |
| Monthly Premium | $84.42 | $64.04 | $42.59 |
Keep in mind that a higher deductible and lower reimbursement percentage results in greater out-of-pocket costs if your pet is sick or injured.
Does Healthy Paws Pet Insurance Cover Pre-Existing Conditions?
No. Healthy Paws does not cover pre-existing conditions, which is true of most pet insurance companies in the U.S.
Does Healthy Paws Pet Insurance Have a Maximum Payout?
What sets Healthy Paws apart from many other pet insurances is that there are no maximum payouts, either annually or for the life of your pet. Keep this benefit in mind when you compare Healthy Paws to other pet insurance companies.
Does Healthy Paws Offer a Health and Wellness Add-on?
Some pet insurance companies offer an optional add-on policy that covers wellness visits and preventative care. Healthy Paws does not provide any “health and wellness” coverage. Your policy pays for medical care for illnesses and accidental injuries.
About the Healthy Paws Foundation
Since 2013, Healthy Paws pet insurance has donated almost $1.7 million to non-profit pet organizations. This charitable aspect will appeal to pet owners who want to help make a difference for homeless pets.
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Conclusion
An unexpected illness or injury can be emotionally and financially devastating for pet owners. Pet insurance like Healthy Paws will allow you to access medical care you might not otherwise be able to afford. Healthy Paws pays for medical treatment for illnesses and accidental injuries. It does not cover wellness care, spay/neuter surgery, office visits, or exam fees.
Unlike many other pet insurances, Healthy Paws does not have an annual or lifetime limit. This perk will appeal to pet owners who would exhaust all available medical treatments for their pets. Our research found that monthly premiums vary greatly based on location, breed, age, and deductible/reimbursement amounts. The above prices are a guide, but we encourage you to get quotes from several companies before making a decision.
Featured Image Credit: rawpixel.com, Shutterstock
