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Healthy Paws vs Petplan

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HEALTHY PAWS

Healthy Paws is a pet insurance company with heart. Founded in 2009 by two professionals who met at a no-kill animal shelter, Healthy Paws Pet Insurance and Foundation set the goal of helping all pets, homeless and adopted, to live their best, healthiest lives.

Where Healthy Paws really stands out is their personalized attention to their clients. Imagine getting a personal email after your Golden Retriever gets out of the hospital, just to see how she's doing. (Insurance companies for humans don't even do that, most of the time!) Time and again, we found customers praising this company for their friendly, concerned approach whenever claims are made.

Another plus with Healthy Paws is their convenient app. Claims can be submitted with photos/scans of documents right from your phone, which makes the reimbursement process happen even more quickly. Some people get paid back for claims in a week or less, which we think is amazing.

Compared with some pet insurance plans, this company also wins paws-down on deductibles: theirs are annual, not per-claim. This could save you a ton of money if you have multiple visits within a year for different reasons. You also get annual coverage with no limits, whether your bills total $500 or $50,000.

As with most pet insurance plans, your costs will depend on where you live, your pet's age/breed/gender, and the type of coverage you select. For reference, here were some of our options for a 7-year-old male mixed breed dog:

  • Lowest-priced option: 60% reimbursement, $500 annual deductible: $33.53/month
  • Middle-tier option: 70% reimbursement, $200 annual deductible: $44.15/month
  • Highest-priced option: 80% reimbursement, $200 annual deductible: $48.58/month

When we checked Healthy Paws' prices for covering a puppy, we found more options for reimbursement (up to 90%) and deductible (from $100 to $400). Most pet insurance plans are more expensive as animals age, so this is in line with other providers' plans.

You should also plan on paying a one-time fee of $25 to set up your account and cover your monthly billing costs.

Healthy Paws' reputation is one of the best. In addition to consistently positive reviews from their clients, they also have an excellent "A+" rating with the BBB as an accredited business. We love everything Healthy Paws gives to their pet insurance customers, and we're confident that they can help keep your pets' tails wagging for a long time.

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PETPLAN

Petplan has been offering insurance coverage for dogs and cats for more than 14 years. As an "A+" rated, accredited business with the BBB, they've demonstrated that they respond appropriately to customer concerns and are trustworthy in what they provide.

When you're deciding if Petplan is the best insurance for your pet, you can use their handy Claim Calculator to see what you'd pay with various configurations of coverage limits, deductibles/reimbursement levels, and so on. We liked that we could get an idea of what we'd pay in premiums and out-of-pocket before giving them our contact information.

You'll be offered three plan packages to choose from:

  • Basic - this includes $5000 in annual coverage, a deductible of $500, and reimburses you for 80% of the total bill per claim. In our case, this was priced at $38.89/month.
  • Recommended - this level of coverage includes an annual limit of $15,000, a deductible of $300, and 80% reimbursement. For our pet, the monthly costs for this plan was $59.09.
  • Premier - for unlimited yearly coverage, a deductible of $250, and 80% reimbursement, we'd pay $80.15/month for our pet.

You can also use the Customize tool below your three-plan quote, to change your annual limits (anywhere from $2500 to unlimited), deductible ($250 to $1000), or reimbursement percentage (70% to 90%).

Every plan covers imaging, surgery/rehabilitation, prescription medications due to an accident or illness, non-routine veterinarian exam fees, accidents/injuries/illnesses, cancer treatments, and diagnostic treatments. You'll also get 24/7 veterinary assistance through PetCoach, and round-the-clock Petplan customer support.

However, Petplan does not cover wellness care, such as annual visits or vaccinations, because their plans are "designed to give you comprehensive protection against unexpected vet bills for injuries and illnesses". Your pet will also be ineligible for coverage if they have a pre-existing condition.

Despite their solid history at the BBB, customer reviews were mixed overall. We found more than a few people that said Petplan waited months to make a determination on a claim (all while still charging monthly premiums) only to then deny the claim anyway. Others said that they were asked to provide documentation starting from their pet's birth, in order to rule out a pre-existing condition, but their dog was a rescue and didn't have any; their claim was denied.

Given that Petplan's monthly premiums are almost always much higher than competitors with similar coverage, you could be paying a lot of money if you don't pay attention to the particular exclusions.

Petplan is a reputable provider of pet insurance, and we appreciate their strong reputation with the BBB and easy-to-use website. But, it seems that they also put a lot of effort into denying claims and taking a long time to do it. And, if you're looking for any kind of routine/wellness coverage, you won't find it with Petplan.

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Best Pet Insurance

To help you find the Best Pet Insurance, TopConsumerReviews.com provides you with an in-depth comparison of Healthy Paws and Petplan.

Who has the Best Pet Insurance? Medical care is rarely cheap - and the same goes for our four-legged friends. While pet owners are grateful for advances in technology and medicine that make it possible to keep their "fur kids" healthy, these procedures and prescriptions often come with a hefty price tag.

Without pet insurance, a simple blood test can cost well over $200. Even a standard yearly checkup can set you back by hundreds of dollars. How's your wallet feeling now? Chances are, you would do almost anything to take care of your beloved pet - but you might find yourself having to make difficult choices, especially if your dog or cat experiences a traumatic injury or life-threatening illness.

Just like their owners, pets can be protected with pet insurance plans that help ease the financial strain of medical care. Pet insurance has become very popular in the last few years, with dozens of companies offering to help you keep your pet healthy for a long time. But, every pet insurance plan is different with respect to deductibles and fees, covered services, and claims processing.

As you decide which pet insurance company is the best fit for you and your pet, keep in mind the following criteria:

  • Cost. What will you pay for your coverage? Is there a deductible, and is it annual or per incident? Will you pay any enrollment fees?
  • Coverage. What services and procedures are covered in the plan you have selected? Does it cover preventative measures like annual checkups? Are there any noteworthy exclusions? Does the company offer a variety of plans to meet your needs?
  • Reputation. Is the pet insurance provider rated by the Better Business Bureau? What do other customers say about their experience? Are claims paid quickly, or do you have to jump through a lot of hoops to file paperwork? Do many claims get denied? Are the company's customer service representatives knowledgeable and friendly?

TopConsumerReviews.com has reviewed and ranked the best Pet Insurance companies available today. We hope this information helps you find the best pet insurance plan for you and your animal companion!



How Pet Insurance Can Save You Money

If you asked every pet lover you encountered in a day how they feel about their pets, they'd likely tell you they view them as family members, not pets. As such, most pet owners want their furry family members to live long and healthy lives.

One of the best ways to make sure that happens is by investing in a pet insurance policy.

Like their human counterparts, animals can get sick or be involved in accidents which can cause severe injury. They also need routine preventative healthcare in order to stay healthy - all of which can cost a pretty penny. Pet insurance plans are designed to help shoulder the burden of these costs, helping pet owners to have the choice in caring for their pet, versus euthanasia due to insufficient funding to pay for necessary medical procedures.

Currently, only one percent of the U.S. pet population - just under 3 million animals - is insured. However, industry trends indicate that pet health insurance policies are growing in popularity in the U.S., with an anticipated increase of up to 10 percent within the next five years.

The first official pet healthcare policy was sold in Britain in 1947. Britain trails only Sweden in the number of pet owners who provide insurance for their pets. Dogs are the most-insured pet, followed by cats and small exotic animals. While it is sold under the name "healthcare insurance," pet health insurance is actually under the insurance umbrella for property. According to insurance laws, pets are seen as property, so the insurance policy which covers them is similar to that for any other property owned by an individual.

Most pet owners understand that cost for care, as well as the likelihood that the pet will suffer from certain diseases and conditions, significantly increases as the pet ages. However, not many pet owners have stopped to ask themselves what they would do if their pet suffered a serious or unexpected injury. Average cost for mending a broken leg, for instance, can run between $2,000 and $5,000 without insurance coverage. Dogs, which are known for eating and swallowing items which can be harmful, may need emergency surgery to remove the item and repair any internal damage that may have been caused. That kind of procedure can cost up to $3,000. Many pet owners cannot afford such high up-front costs and most veterinarians require payment in full at the time of the procedure. That leaves many pet owners struggling with what to do for their pet when they can't afford the procedure that could help them.

Other conditions, such as diabetes mellitus, are on the rise in the pet population. One out of every 400 dogs and cats will be diagnosed with diabetes at some point in their lives. With the advent of medical procedures and interventions not previously available to our pets, many are living longer, which increases their chances of developing age-related conditions and injuries. Take for instance, a pet which develops diabetes. That animal would require insulin injections, much as its human counterpart diagnosed with the same condition would need. Monthly costs between insulin and the syringes needed to administer it can cost a couple hundred dollars. Then there is the glucose monitoring system required to keep track of your pet's insulin levels. Animal-specific monitors such as AlphaTrak can cost $200 by the time you purchase the monitor, the lancets and the testing strips.

Most pet policies cover these issues and many more, making them a good investment for pet owners. With a variety of plans from which to choose, pet owners can find one that is not only affordable to them, but which also covers their pet's annual medical needs.

 



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Hong Kong-based OneDegree gets $25.5M Series A to make coverage more accessible, starting with pet insurance

OneDegree, a Hong Kong-based insurance technology startup, announced today that it has closed a Series A totaling HKD $200 million (about $25.5 million). Half of that amount was pledged by ...

Published:  Mon, 10 Sep 2018 01:15:00 GMT



Introducing Peppermint: Refreshingly Simple Pet Insurance

WINNIPEG, Sept. 18, 2018 /CNW/ - Petline, the first and only licensed insurance company in Canada to focus solely on pet health insurance, is launching Peppermint, a new pet insurance solution ...

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