Healthy Paws Pet Insurance covers everything that matters including injuries, illnesses, genetic conditions, and emergency care. With unlimited lifetime benefits, protect your pet with the #1 customer-rated pet insurance plan! Get a free quote and let Healthy Paws pay your vet bills while you care for your pet.

Friday, February 27, 2015

Pet Insurance Coverage Questions

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Frequently Asked Questions

Pet Insurance Coverage Questions 

1. What is covered? 

We cover the treatment of any new illness, injury or accident after your enrollment and waiting periods. Our plan also covers hereditary and congenital conditions. With unlimited lifetime benefits and no annual or per incident limits, we're ready to cover most anything unexpected that happens to your pet. 

And our plan is customizable, with a choice of reimbursement level and deductible, so you can create a plan that's right for your budget and needs. Get your no-obligation pet insurance quote here. 

If it's an accident or illness (and not a pre-existing condition), our plan covers the treatment. It's that simple. Use any licensed veterinarian, including emergency animal hospitals and specialists. This includes: 
Diagnostic testing such as x-rays and blood tests
Hospitalization, including any treatments while in the hospital
Surgeries
Prescription medications

2. Are there any types of caps or maximum limits?

Healthy Paws will provide you and your pet with unlimited lifetime coverage. You will have continuous, seamless coverage for the life of your pet, without the concern over any type of annual or per incident caps. Ever! 

3. Hereditary and congenital conditions are covered. Why is this important? 
Hereditary and congenital conditions may not appear for years, but when they do the treatment can be expensive. Eye disorders like cataracts or knee issues requiring surgery like a patellar luxation are examples of these conditions. What matters most is that we do not put restrictions on hereditary and congenital conditions, so rest assured you're protected financially and can give your pets the quality medical care they deserve. Here's a quick explanation of these often confusing terms:

A hereditary condition is one that is genetically predetermined - a condition that is passed down from your pet's parents. Examples of these conditions in pets are diabetes, cherry eye, hip dysplasia, and gastric torsion.

A congenital condition is one that is not linked to genetics, but instead is related to things that occurred while your pet was still in utero. Examples of these conditions are often congenital heart and all other organ defects. 

Of course, if a hereditary or congenital condition or its symptoms are noted by your veterinarian before your enrollment, they are considered pre-existing and will not be covered by your Healthy Paws pet insurance policy (just like any other illness or injury that occurred before your pet became insured by us). 

4. Do you cover hip dysplasia? 

As part of our effort to provide you with the best pet health insurance plan available, we include lifetime coverage for hip dysplasia when you enroll your pet before the age of six. There is a twelve-month waiting period before coverage takes effect in all states except Maryland and New Hampshire. The policy requirement for your pet to undergo a complete physical hip exam has been waived. 

Of course, if signs or symptoms of hip dysplasia are noted by your veterinarian before your enrollment or during the twelve-month waiting period, hip dysplasia will be considered pre-existing and will not be covered by your Healthy Paws pet insurance policy. 

At this time, we are unable to cover hip dysplasia if your pet is six years of age or older at the time of enrollment. 

5. What is not covered? 

Our pet insurance plan does not cover pre-existing conditions, the veterinarian exam fee, spay/neuter procedures, or preventative care. We do not cover preventative care because we know that's just part of the expected cost of being a good and responsible pet parent. 

The following preventative care is not covered: 
Preventive healthcare including vaccinations or titer test, flea control, heartworm medication, deworming, nail trim, spaying/neutering and grooming.

Parasite control including but not limited to internal and external parasites for which readily available prophylactic treatments are available.

Dental healthcare including dental cleanings (prophylaxis); however, if injury to teeth is caused by an accident, we do cover the cost of extractions and reconstruction of damaged teeth.

Anal gland expression.

Feeding, housing, and exercise.

Behavioral modification, medications for behavioral modification, training, or therapy. 

Download the sample Healthy Paws Pet Insurance policy for the comprehensive explanation of coverage, terms, conditions, limitations, and exclusions. 

6. Why don't you cover the office visit (veterinary exam fee)?

By making the office visit (vet exam or consultation) part of the pet parent's financial responsibility, it allows us to offer a complete accident and illness plan at an affordable monthly premium. (Think about it like your copay when you see a doctor.) 

The office visit is not covered whether you go to a general practice veterinarian, specialist, or emergency hospital. 

7. How do you help homeless pets? 

Helping you care for your pets is just part of our story. Through our Homeless Pet Medical Grant Program, we help animal rescue groups and shelters provide medical treatment to the thousands of homeless pets in their care. So when you choose to insure your pet with us, you're not just protecting your pet, you're also helping a whole lot of homeless pets.

Thinking of protecting your furry friend, explore the cost with a free QUOTE at ExploreCost.com