The Best Pet Insurance
We all love our pets, no question. But as we all know, when faced with a veterinary emergency, the cost can be exorbitant. More and more people are turning to pet insurance for the added security of caring for their pets. If you have a pet, you must look into pet insurance. Avoid the fear of not being able to pay that veterinary bill and insure those precious pets!
What is Pet Insurance?
Our pets are part of the family, and we want to keep them healthy, happy, and safe. But sometimes it’s impossible to protect them from an accident or illness, and with the rising
cost of veterinary care, bills can quickly add up. Many pet parents are not in a position to cover these unexpected costs—that’s where pet insurance comes in.
Pet insurance is for those unexpected mishaps, catastrophes, and illnesses that you just can’t plan for—like when the dog accidentally eats something he shouldn’t. Bottom line: if
you have pet insurance, you don’t have to make a hard choice between the best care for your pet and your finances.
With Healthy Paws Pet Insurance, you can give your pet the best medical care possible. With no limits on payouts, 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.
Policies are underwritten and issued by ACE American Insurance Company, Indemnity Insurance Company of North America, ACE Property & Casualty Insurance Company, Atlantic Employers Insurance Company, members of the Chubb Group.
Different companies offer different types of coverage. Some variables to watch out for:
Deductible—The amount you’re responsible for before benefits kick in. Deductibles can be annual or per incident (annual is usually recommended).
Reimbursement Level—The percentage of the remaining cost (after the deductible) you can expect the insurance company to cover. You can typically choose from 70%, 80%, or 90% reimbursement levels, with higher reimbursement levels resulting in a more expensive monthly premium.
Limits on Benefits—Look for companies that have no annual or lifetime limits on the dollar amount they will pay to cover your vet bills. If your pet suffers a serious injury or illness you’ll be glad your coverage doesn’t have a cap.
Coverage Exclusions—Look for companies that cover all accidents and illnesses, including genetic and hereditary conditions, and do not exclude conditions based on breed.
What’s Not Covered:
It is important to note that no policy covers pre-existing conditions (so don’t wait until your pet has an unexpected trip to the vet to consider pet insurance). Most policies don’t cover wellness care either (those annual vet exams and necessary vaccines); some companies do offer wellness coverage, but the cost can just as much or more than paying the vet directly for those services. For most, pet insurance is most effective for unexpected accidents and illnesses.
What to Look For:
A policy that allows you to use any vet. Pet insurance differs from human health insurance in that you typically pay the vet directly and get reimbursed by the insurance company. Pet insurance that reimburses you based on the actual vet bill, as opposed to a benefit schedule. An easy claims process. Look for apps and online claims processes — avoid physical forms.
How Does Pet Insurance Work?
More people are covering their furry family members with pet insurance. Learn how these plans work to protect your pet and save you money. Pet insurance is one of the fastest-growing insurance products in the United States. For many households, pets are a special part of the family and receive the same commitment to their care and well-being. With advances in medical technology and rising costs in general vet care, this promise to your pet’s health is becoming more expensive and, as a result, more people are protecting themselves with a quality pet health insurance plan.
Pet Insurance Basics
Most pet health insurance plans have a few basics in common.
1. Monthly premiums
2. Select a deductible (either per-incident or annual)
3. Select a reimbursement level or co-pay percentage
4. Any licensed veterinarian will be covered
5. Pay your veterinarian first and then reimbursement to follow
There are, however, substantial differences between companies that can impact claim coverage and reimbursement levels. It’s important to do your research; for example, a company that covers a $50 wellness exam but then only pays $500 for a $3,000 cancer treatment isn’t providing much value.
So how do you choose a company? PetInsuranceReview.com has listed Healthy Paws Pet Insurance as the #1 customer-rated pet insurance plan, and for good reason. Their commitment to customer service and support sets them apart, in addition to an easy-to-use mobile app for claims processing.
How Pet Insurance Saves You Money
Veterinary care is expensive: advances in veterinary medicine have increased the quality and the cost of pet medical care. As pet lifespans have increased, so has the cost of groundbreaking new procedures. Even the most responsible pet parents may not be prepared for emergency procedures like foreign object removal, which can run upwards of $3,000.
Can pet insurance save your budget? Just ask Healthy Paws Pet Insurance customer Ally Siebenmann.
“When we decided to get a Lab puppy, we knew we had to get pet insurance,” she said. “We knew that labs had a tendency to eat things they aren’t supposed to, and we wanted the peace of mind knowing that we wouldn’t have to make any difficult decisions when it came to his health and well-being.” Sure enough, Wilson, now a handsome teenager, has eaten multiple foreign objects, including a Wilson-brand tennis ball. “If we had not had pet insurance, I’m not sure what we would have done,” Ally says. “Our bill was over $3,500! Wilson’s dad is a Ph.D. student and I work for the university as well, so we don’t have a lot of disposable income.”
Pet insurance covers unexpected costs. Emergency veterinary care is the most expensive and also the most stressful. When your pet’s life is in danger, the last thing on your mind should be money. Pet insurance puts
your focus where it should be—on your pet’s recovery. Let’s break down how Healthy Paws Pet Insurance works:
If you live in New York and have a Yorkshire Terrier puppy, you’ll pay roughly $42/month for the best Healthy Paws policy available, 90% reimbursement with a $100 deductible. $42/month x 12 months: $504 yearly for pet insurance
Surgery to remove foreign object: $3,500 for one surgery
The amount covered by pet insurance: $3,050 after meeting the deductible
Amount paid by pet parent: $450 not covered by pet insurance
The math speaks for itself; even with the highest monthly premium, one emergency makes the policy more than worth it. Pet insurance means being prepared. As pet medical care is becoming increasingly expensive, more people are choosing to protect themselves from unexpected veterinary bills with a quality pet health insurance
plan like Healthy Paws. It’s even the fastest growing insurance product in the US.
So, Is Pet Insurance Worth It?
There are some real financial figures to assess when considering investing in pet insurance. Consumer Reports investigates whether or not pet insurance is worth it. he investment in pet insurance can help save a life and keep you out of the red. We often see owners wishing they’d purchased insurance plans before their pet got sick or injured, and while it is becoming more popular to insure your pets, it still isn’t the most immediate
choice. If you’re on the fence, we have some good news: Consumer Reports released an article comparing the costs of pet insurance, and we’re happy to report the winner was Healthy Paws.
The Major Benefits
While lots of pet owners rely on savings for emergencies, unfortunately, animals with trauma or a sudden onset of illness can wipe those savings completely out. Diagnoses can lead to expensive urgent care including surgeries and follow-up. Consumer Reports says, “A serious illness or injury can take a financial toll, even when the patient is a pet. Cancer treatments can easily run $5,000; surgery to fix a torn ACL from, say, a poorly executed jump off the sofa can cost about $3,300. Pet insurance is sold with the promise that by helping to cover some of your pet’s medical bills, you won’t be forced to consider ‘economic euthanasia’ in the direst circumstances.”
Healthy Paws Pet Insurance offers cat and dog insurance that covers injuries, illnesses, genetic conditions, and emergency care. With one plan to make the sign up easy, you’re able to choose your deductible amount and coverage, and Healthy Paws pays a flat percentage of covered costs thereafter. Working on a reimbursement basis, you submit your hospital or vet bill via the mobile app, and Healthy Paws issues you a check.
Unlike most pet insurance companies, Healthy Paws does not have limits on claims. The premiums are low, and Consumer Reports repeatedly found that “Healthy Paws’ plan was the only one that paid more than it cost.”
So it is a personal decision, and an emotional one we-your fellow pet parents-don’t take lightly. So is it worth it? If you’ve ever had a major medical bill for a pet, you know the answer: absolutely yes. Unexpected pet medical care is becoming more expensive due to advances in medical technology for pets and increasing costs of general veterinary care. As a result, more people are choosing to protect themselves from unexpected veterinary bills with a quality pet health insurance plan. It’s even the fastest growing insurance product in the US.
Check out their product specifications here: Healthy-Paws-exchange-Specs
I hope you take advantage of pet insurance for your pets. It’s a good thing!