Is Pet Insurance Worth It?

Being a pet parent means being ready

Pet insurance isn’t just about saving money—it’s about being ready for the unexpected. From surprise injuries to serious illnesses, here’s what to consider when deciding if coverage is right for you and your pet.

Is pet insurance important?

Pet insurance can save you thousands of dollars if your pet gets sick or injured unexpectedly. The investment in pet insurance can help you say yes to life-saving medical treatments, and keep you out of the red when faced with overwhelming veterinary bills.

At Healthy Paws, we've seen many pet parents wishing they'd purchased pet insurance plans before their cat or dog got sick or injured, as they didn't know how high the cost of treatment could get until it happened. Without pet insurance, unexpected vet bills can make a big dent in your savings account.

1 in 3 pets
will need urgent veterinary care this year
Every 6 secs.
a pet parent is faced with a vet bill > $1,000
How Does Pet Insurance Work?

When the unexpected happens, getting them the care they need should be simple

Pet insurance can help cover the veterinary costs for unexpected accidents & illnesses that you just can't plan for — like when your dog swallows something they shouldn’t or your cat is diagnosed with diabetes. With Healthy Paws, you can be reimbursed up to 90% of your vet bills. While pre-existing conditions aren’t covered (as with most providers), Healthy Paws stands apart with no per-incident or lifetime caps. And you can customize your premiums, including options for up to 90% reimbursement and unlimited annual payouts.

 

Healthy Paws also features:

  • Unlimited virtual vet visits through Airvet 
  • Direct Pay option that lets you arrange to pay your vet directly before services are performed, when your funds are tight 
Visit & pay any licensed veterinarian
Submit your claim on the Healthy Paws App
Get reimbursed via check or direct deposit

Get a quote in seconds for care that shows up when it counts

Average cost for common conditions
Conditions
Total Vet Cost
Healthy Paws Plan Reimbursement
Vomiting/Diarrhea
$1,550
$990
Ingesting a foreign object
$3,250
$2,350
Ear infection
$3,250
$2,750
urinary tract infection
$3,750
$2,550
leg fracture
$5,400
$4,070
*Examples based on 80% reimbursement with $250 deductible

Our commitment shines in our reviews

At Healthy Paws, our mission is simple: take care of pets and the people who love them with top-notch customer service and one of the highest-rated pet insurance plans out there. Our pet parents and experts are feeling the love. 

Common questions about pet insurance

The cost of pet insurance varies based on several factors, such as where you live and what breed your pet is. Enter your pet's information in the quote form to see rates for your pet.

If your dog or cat is seriously injured or develops a chronic illness, it can really strain your budget. Even the most responsible pet parents may not be prepared for emergency procedures like a foreign object removal, which can cost upwards of $5,000, or a torn ACL that comes with a similar price tag. With Healthy Paws' simple plan, you can be reimbursed up to 90% of your vet bills for these unexpected incidents.

A savings account can be helpful, but unfortunately, the sudden onset of illness can wipe out a pet savings account for medical costs completely, as you'll be responsible for the full vet bill and you'll be limited by how much you've saved. What if you've saved $1,000 and you're hit with a $3,500 vet bill? With a Healthy Paws plan, you can get reimbursed up to 90% of your vet bills with no caps on payouts. We have seen many customers receive claim payouts exceeding $25,000.

In situations where you cannot pay your vet at the time of treatment, you may contact us to assign your reimbursement to be paid directly to your vet. If your veterinary hospital is willing to accept payment from Healthy Paws, we can work directly with them to expedite access to your pet's medical records and the processing of your claim. This direct payment option is available for any licensed vet across the United States; it is not limited to any specific network of vets.

In the last decade, veterinary care has advanced immeasurably; procedures such as knee replacements, minimally invasive cancer surgeries, and chiropractic care are now available for cats and dogs, helping them to live longer. With these advancements comes considerable changes in cost, which we analyze in the Healthy Paws Cost of Pet Health Care report. It includes the top 10 reasons why dogs and cats visit the vet, as well as symptoms and cost of treatment so you can be prepared for all the wonderful and sometimes chaotic moments of pet parenthood.

Get an instant quote and start protecting your furry family members today.